Gold IRA Rollover: Rolling IRA Into Gold For Retirement

Author: Focus on the User | 30 min read
Gold IRA Rollover

A gold IRA rollover is a financial strategy that allows an individual to convert a portion or all of their existing retirement funds into a gold-based Individual Retirement Account (IRA). Incorporating gold into retirement planning offers a tangible asset that serves as a hedge against inflation and economic uncertainty. Understanding the gold IRA rollover process, including the associated fees, is crucial for those seeking a diversified retirement portfolio.

Gold is a sought-after investment option, especially during times when the stock market is volatile. With its long-term growth potential, a gold IRA provides a way to protect retirement savings from market volatility and offers tax benefits that traditional assets may not. By integrating physical gold into an individual's retirement strategy, they can make informed decisions to safeguard their assets against inflation and economic turmoil.

Table of Contents

Basics of Gold IRAs

A gold IRA, also known as a precious metals IRA, allows individuals to invest in physical gold bullion, gold coins, and other approved precious metals as part of their retirement portfolio. Unlike traditional IRAs, which often comprise mutual funds, stocks, and bonds, a gold IRA holds tangible assets.

When compared to traditional IRAs and Roth IRAs, gold IRAs offer a wide range of benefits. Primarily, they act as a safeguard against economic uncertainty, providing a hedge against inflation and the unpredictable nature of the stock market. Additionally, gold IRAs offer tax benefits, allowing for tax-deferred growth of one's investment. This means that investors won't have to pay taxes on their gold investments until they make withdrawals.

Process of a gold IRA rollover

Gold IRA Rollover Process

Understanding how to rollover gold to an IRA is essential for those considering this investment option. The gold IRA rollover process involves several steps, ensuring a seamless transition from traditional retirement funds to a gold-backed IRA. The steps to rollover IRA to gold include:

  1. Choose a Gold IRA Custodian
  2. Open a Gold IRA Account
  3. Coordinate Rollover With Current Custodian
  4. Select Gold Bullion, Coins, and Bars
  5. Fund Gold Investment
  6. Decide Secure Storage
  7. Monitor Your Gold IRA
  8. Plan For Withdrawals

Each of these steps is crucial in ensuring that the rollover process is smooth and in compliance with IRS regulations.

1. Choose a Gold IRA Custodian

The first step in the IRA rollover to gold process is to decide on a gold IRA company. Selecting the right custodian is essential for ensuring the safety and growth of your investment. When determining how to choose a gold IRA custodian, consider the following:

  • Research the company's reputation and consumer ratings.
  • Assess their range of products and services.
  • Ensure they have transparent pricing and competitive rates.
  • Prioritize companies with a track record of excellent customer service and decades of experience.
  • Selecting a Gold IRA Custodian

    2. Open a Gold IRA Account

    To open a gold IRA, you will need to fill out an application with your chosen custodian. This process typically involves:

    • Providing personal and financial information.
    • Reviewing and understanding the custodian's fees and service terms.
    • Setting up a mode of payment for transactions and fees.

    Once your account is approved, you can proceed with the rollover process.

    Opening a Gold IRA Account

    3. Coordinate Rollover With Current Custodian

    The next step is to inform your current custodian about your intention to rollover your funds into a gold IRA. There are two methods to consider: direct rollover and indirect rollover.

    In a direct rollover, the funds move directly from your existing retirement account to your gold IRA, without you ever touching the money. This method is tax-free.

    In an indirect rollover, you receive the funds from your existing retirement account and must deposit them into your gold IRA within 60 days. If this is not done within the 60-day window, there might be tax implications.

    Meet With Current Custodian

    4. Select Gold Bullion, Coins, and Bars

    Once your gold IRA account is set up, the next step is selecting the type of gold products you want to invest in. It's essential to choose IRA-approved bullion, coins, and bars that meet the purity requirements set by the IRS. Some custodians might offer recommendations or even have specific partnerships with gold dealers, ensuring you get reputable gold products at competitive pricing.

    Top 5 coins to consider for a gold IRA:

    1. American Gold Eagle coins
    2. Canadian Gold Maple Leafs
    3. Australian Kangaroo/Nugget coins
    4. Austrian Gold Philharmonic coins
    5. American Gold Buffalo coins

    Top 5 bars for gold IRA inclusion:

    1. Credit Suisse gold bars
    2. PAMP Suisse gold bars
    3. Valcambi gold bars
    4. Engelhard gold bars
    5. Royal Canadian Mint (RCM) gold bars
    Gold coins or gold bars in IRA

    5. Fund Gold Investment

    After selecting your preferred gold products, it's time to fund your gold investment. Once the funds from your previous retirement account are rolled over to the gold IRA, instruct your custodian to use those funds to purchase the chosen gold products. It's crucial to ensure you receive documentation detailing the type, weight, and value of the purchased gold. This documentation aids in tracking the price of gold and provides transparency in the gold market.

    6. Decide Secure Storage

    Holding physical gold in an IRA requires storing it in an IRS-approved depository. There are specific requirements for these depositories to ensure the safety and security of your investment.

    Firstly, you have the choice between segregated and commingled storage. Segregated storage means your gold is stored separately from other investors', while commingled storage mixes your gold with others. Both options have their pros and cons, and the ideal choice often depends on individual preferences and the custodian's offerings.

    Secondly, insuring gold assets is paramount. Make sure the depository provides adequate insurance coverage to protect against potential losses. Many reputable custodians offer storage options that include comprehensive insurance policies, ensuring peace of mind for investors.

    Select a Secure Storage Solution For Gold

    7. Monitor Your Gold IRA

    Once your gold IRA is set up and funded, it's essential to monitor your investment regularly. The gold market, like all financial markets, fluctuates based on various factors. By staying informed about the gold prices and the broader economic landscape, you can make informed decisions regarding your gold IRA.

    Also, remember to check your account statements and keep an eye out for any discrepancies. If you notice any issues, it's crucial to address them with your custodian promptly.

    8. Plan For Withdrawals

    Planning for withdrawals is a vital aspect of managing a gold IRA. It's essential to understand your custodian's process for selling gold when you decide to make withdrawals. Some investors may prefer to take physical possession of the gold, while others might opt for its cash value upon selling.

    Additionally, consider the Required Minimum Distributions (RMDs) for Gold IRAs. Depending on the type of retirement account and your age, you might be required to start taking distributions. Understanding the tax implications of withdrawals is also crucial, as it can significantly impact the amount you receive.

    Eligibility Criteria

    To rollover into a gold IRA, there are specific eligibility criteria one must meet. These criteria ensure that individuals are making a sound financial decision and are in a position to benefit from precious metals investments.

    Firstly, age requirements dictate when you can start taking distributions without penalties. Typically, for most IRAs, this age is 59½. Secondly, there are annual contribution limits which determine the maximum amount you can contribute to your gold IRA each year. Lastly, while there aren't direct income restrictions for gold IRAs, one's income can influence the tax benefits they might receive.

    In summary, to be eligible for a gold IRA rollover:

    1. Be aware of age-related distribution rules.
    2. Adhere to annual contribution limits.
    3. Understand how income levels might influence tax implications.

    Timelines and Deadlines

    Understanding the timelines and deadlines associated with a gold IRA rollover is essential to ensure a seamless process and avoid potential tax penalties.Firstly, the rollover process timeline can vary depending on the custodians involved but typically takes a few weeks to complete. It's crucial to initiate the process well in advance if you're looking to capitalize on specific market conditions or meet certain financial objectives.

    For those considering an indirect rollover, it's vital to be aware of the 60-day rule. If you receive a distribution from your old retirement account, you must deposit it into the gold IRA within 60 days. Failing to do so can result in tax penalties and the distribution being considered as taxable income.

    Lastly, there's the concept of Required Minimum Distributions (RMDs). Depending on the type of retirement account and your age, you might be required to start taking distributions. The timeline for RMDs typically begins at age 72, but it's essential to consult with your custodian or financial advisor to understand your specific obligations.

    Tax Implications and Reporting

    Gold IRAs, like all IRAs, come with certain tax implications. When you rollover funds into a gold IRA, the process is usually tax-free, provided you follow the established rules. However, when you start making withdrawals, that's when tax implications can arise.

    If you have a traditional gold IRA, withdrawals are treated as regular income, and you'll be taxed at your current tax rate. However, if it's a gold Roth IRA, qualified withdrawals are tax-free, given you've had the Roth IRA for at least five years and meet the age requirements.

    Reporting is another crucial aspect. Each year, your custodian will report contributions and distributions to both you and the IRS. It's essential to keep track of these documents, as you'll need them for your tax filing.

    Fees and Costs Associated with a Gold IRA Rollover

    Every investment comes with associated fees and costs, and gold IRA rollover fees are no exception. An in-depth understanding of these fees ensures transparency and aids in making informed decisions.

    To start, there are setup and administrative fees. These are one-time or annual fees charged for opening and maintaining your gold IRA account. Next, there are storage and insurance fees, which are associated with keeping your physical gold secure in an IRS-approved depository. Lastly, transaction and brokerage fees come into play when buying or selling gold within your IRA.

    Gold IRA Fees and Costs

    Setup and Administrative Fees

    These fees are associated with establishing and managing your gold IRA. Typically, the setup fee is a one-time charge incurred when opening the account. Administrative fees, on the other hand, can be annual and cover the operational costs of maintaining your gold IRA, including record-keeping, account statements, and customer service.

    Storage and Insurance Fees

    Given that gold IRAs deal with physical assets, there are costs associated with securely storing the gold. Depending on your chosen custodian and storage facility, these fees can vary. Segregated storage, where your gold is stored separately, might have higher fees than commingled storage. Additionally, insuring your gold assets is vital, and the associated insurance fees ensure that your investment is protected against potential losses or theft.

    Transaction and Brokerage Fees

    Every time you purchase or sell gold within your IRA, you might incur transaction or brokerage fees. These fees cover the costs associated with executing the trade. Some custodians might offer competitive rates or even flat fees for transactions, making it essential to understand the fee structure before committing.

    Top 6 Gold IRA Companies

    Selecting the best gold IRA rollover custodian is crucial for ensuring the safety and growth of your investment. With the plethora of options available, choosing the top gold IRA custodian can seem daunting. Here's a brief overview of six reputable companies in the gold IRA industry:

    1. Noble Gold
    2. Goldco
    3. Augusta Precious Metals
    4. Advantage Gold
    5. Patriot Gold Group
    6. Birch Gold Group
    Leading Gold IRA Custodians

    1. Noble Gold

    Noble Gold prides itself on offering a wide range of precious metal products and services tailored to individual retirement goals. With its emphasis on transparency and excellent customer service, Noble Gold ensures that clients have all the resources they need to make informed decisions. Their competitive pricing, combined with a comprehensive gold IRA rollover guide, positions them as a reliable IRA to gold rollover service provider.

    2. Goldco

    Goldco stands out in the industry with its commitment to helping clients diversify their retirement portfolios with precious metals. With an experienced team of professionals, Goldco offers a seamless rollover process, ensuring clients receive the benefits of gold investing. Their emphasis on education and transparent pricing further adds to their reputation as a top gold IRA custodian.

    3. Augusta Precious Metals

    Augusta Precious Metals is renowned for its commitment to client education. With a plethora of educational materials, they ensure clients are well-informed about the gold market and the benefits of gold investing. Their transparent pricing, combined with a team of precious metals specialists, ensures that clients receive value for their investment.

    4. Advantage Gold

    Prioritizing client education and transparency, Advantage Gold offers a comprehensive guide to gold IRA rollovers. Their team of professionals is dedicated to helping clients understand the rollover process, fees, and the benefits of diversifying their portfolios with gold. With their competitive rates and emphasis on client satisfaction, Advantage Gold has earned its reputation in the industry.

    5. Patriot Gold Group

    With decades of experience, the Patriot Gold Group offers clients a comprehensive range of products and services. From the initial stages of the rollover process to selecting the ideal type of gold for investment, their team ensures clients receive the best advice. Their track record, combined with their emphasis on transparent pricing and client education, makes them an attractive option in the gold IRA industry.

    6. Birch Gold Group

    Birch Gold Group is recognized for its comprehensive services in the gold IRA industry. Their emphasis on client education, combined with their transparent pricing, ensures clients are well-equipped to make informed decisions. Their wide selection of gold products, combined with their competitive rates, positions them as a top-rated gold IRA rollover provider.

    Avoid Gold IRA Rollover Scams

    With the growing popularity of gold IRAs, it's essential to be vigilant about potential scams. Being aware of common gold IRA scams can save investors from significant financial losses. Some common tactics scammers use include:

    1. High-pressure sales techniques.
    2. Misleading or false advertising.
    3. Promises of unrealistically high returns.
    4. Concealed fees and costs.
    Avoiding Gold IRA Scams

    To avoid falling victim to these tactics, always conduct thorough research, read consumer ratings and reviews, and seek advice from trusted financial advisors. It's also beneficial to work with reputable companies with a proven track record in the industry.

    Best Resource on Gold IRA Rollovers

    For those looking to delve deeper into tax free gold IRA rollovers, the e-book from Focus on the User provides invaluable insights. This resource offers a comprehensive overview of the gold IRA rollover process, tips to steer clear of scams, and valuable advice to maximize the benefits of gold investing. The e-book serves as an excellent starting point for anyone considering diversifying their retirement portfolio with gold for their financial future.

    Ways to Rollover Funds into a Gold IRA

    There are multiple avenues to rollover funds into a gold IRA, each with its unique features and benefits. Understanding these methods can help investors choose the most suitable option for their financial situation. Here's an overview of the primary ways gold can be rolled into a gold IRA:

    1. From a Traditional IRA
    2. From a 401(k) or similar employer-sponsored plan
    3. From a Roth IRA
    4. From a SEP IRA or SIMPLE IRA
    5. From a Pension Plan
    6. From Existing Custodian
    7. Direct Transfer
    8. In-Kind Transfer
    9. 60-day Rollover

    1. From a Traditional IRA

    Rolling over funds from an existing Traditional IRA into a Gold IRA is typically straightforward. This direct transfer ensures funds move seamlessly between accounts without triggering tax penalties, making it a popular choice for many investors.

    2. From a 401(k) or similar employer-sponsored plan

    For those with a 401(k), 403(b), TSP, or another employer-sponsored retirement plan, transitioning these funds into a Gold IRA is possible. Especially for individuals who've left that job or are eligible for a distribution, the funds initially move from the 401(k) to a Traditional IRA. Once there, these funds can be utilized to invest in gold.

    3. From a Roth IRA

    If you possess a Roth IRA, transferring funds to a Gold Roth IRA is feasible. This process retains the benefits of tax-free distributions that Roth IRAs are renowned for, but with the added advantage of gold investments.

    4. From a SEP IRA or SIMPLE IRA

    For the self-employed and small business owners who might have a SEP IRA or SIMPLE IRA, a rollover into a Gold IRA is a tangible option. The procedure closely mirrors that of a Traditional IRA rollover, offering a straightforward transition.

    5. From a Pension Plan

    Certain pension plans may permit a lump-sum distribution or rollover. If an individual is eligible, these funds can be directed into a Gold IRA, providing another avenue for diversification.

    6. From Existing Custodian

    For those considering a change in Gold IRA providers, assets can be transferred from one Gold IRA to another. This can be accomplished through a direct transfer or an in-kind transfer, ensuring minimal disruption to one's investment.

    7. Direct Transfer

    This method is arguably the most straightforward. It entails transferring funds from one IRA custodian directly to another. As investors never take possession of the funds, it's a non-taxable event, preserving the tax benefits of the IRA.

    8. In-Kind Transfer

    For those with a Self-Directed IRA that already contains precious metals, an in-kind transfer can move those assets to a new Gold IRA custodian. This ensures the physical gold (or other precious metals) transitions from one depository to another without being liquidated.

    9. 60-day Rollover

    This method involves receiving a distribution from an old IRA and then depositing it into the Gold IRA within a strict 60-day window. While this offers flexibility, it comes with risks. Failing to complete the rollover within the stipulated 60 days can lead to tax penalties and the distribution being considered taxable income.

    Direct Vs. Indirect Gold Rollovers

    When considering a physical gold IRA rollover, understanding the difference between direct and indirect rollovers is crucial.

    Direct Rollovers: Funds are transferred directly from one retirement account to another. It's a smooth process that doesn't involve tax withholding or penalties.

    Indirect Rollovers: In this method, funds are distributed to the account holder, who must then deposit them into the new retirement account within 60 days. Failing to do so can trigger tax penalties.

    Pros of Direct Rollovers:

    • Seamless and hassle-free.
    • No risk of tax penalties.
    • No withholding taxes.

    Cons of Direct Rollovers:

    Limited flexibility as funds move directly between custodians.

    Pros of Indirect Rollovers:

    • Temporary access to funds.
    • Flexibility in choosing when to complete the rollover.

    Cons of Indirect Rollovers:

    • Risk of tax penalties if not completed within 60 days.
    • Mandatory 20% withholding tax, which must be made up out-of-pocket if intending a full rollover.

    Physical Gold Rollover Vs. Paper Gold Rollover

    When considering a gold IRA, it's essential to differentiate between physical gold and paper gold. Both offer ways to invest in gold, but they represent different types of assets.

    Physical Gold Rollover: This involves investing in tangible gold assets. Investors indirectly own physical gold bars, coins, or bullion stored in an IRS-approved depository. This tangible asset serves as a hedge against inflation and economic uncertainty.

    Paper Gold Rollover: Paper gold investments, such as gold ETFs (Exchange-Traded Funds), gold mutual funds, and gold stocks, represent a claim on gold. They allow investors to gain exposure to the price of gold without owning the physical metal.

    Risks and Considerations of a Gold IRA Rollover

    While gold IRAs offer many benefits, it's crucial to be aware of potential risks and considerations.

    Market Volatility of Gold: Like all commodities, the price of gold can be volatile. External factors such as geopolitical events, interest rates, and economic conditions can influence gold prices.

    Storage and Custodian Risks: While IRS-approved depositories are secure, there's always a minimal risk of theft or mismanagement. It's crucial to choose reputable gold IRA rollover companies with a proven track record.

    Liquidity Concerns: While gold is a tangible asset, selling it might not be as quick as liquidating paper assets. Investors should be prepared for potential delays when accessing their funds.

    Benefits of a Gold IRA

    Investing in a gold IRA comes with several notable advantages:

    1. Inflation Safeguard
    2. Diversifying Your Portfolio
    3. Taxation Benefits
    4. Security from Economic Uncertainties
    5. Defense Against Market Downturns
    6. Tangible Asset Possession
    7. Adaptability and Oversight
    8. Potential for Growth
    9. Long-Term Wealth Preservation

    1. Inflation Safeguard

    Gold has historically been a protection against currency devaluation. When fiat currencies face devaluation, gold often retains its value. Over extended periods, gold has consistently demonstrated its role as a store of value, especially during times of economic turmoil.

    2. Diversifying Your Portfolio

    Including gold in a retirement portfolio can offer a layer of diversification. Gold often moves inversely to traditional assets like stocks and bonds, providing a potential buffer during market downturns and reducing overall portfolio volatility.

    3. Taxation Benefits

    Gold IRAs offer tax-deferred growth, allowing investments to compound without annual taxation. Additionally, with a Gold Roth IRA, qualified withdrawals can be tax-free, enhancing the long-term savings potential.

    4. Security from Economic Uncertainties

    Gold is a recognized safe-haven asset, especially during periods of economic instability, financial market downturns, or geopolitical tensions. Its liquidity ensures that it can be quickly converted to cash or other assets during challenging times.

    5. Defense Against Market Downturns

    Gold's counter-cyclical behavior means it often performs well when stock markets falter. This characteristic can offer protection and balance during bear markets or prolonged periods of decline.

    6. Tangible Asset Possession

    Gold stands out in the investment world due to its tangible nature. Unlike digital assets or paper investments, gold is a real, physical asset. Even though it's held in depositories for IRA purposes, it represents tangible wealth. Furthermore, gold is free from credit risk. Unlike bonds or other financial instruments, gold doesn't rely on a third party's ability to pay, eliminating potential credit concerns associated with other investments.

    7. Adaptability and Oversight

    A Gold IRA offers flexibility in investment choices. Investors can choose between coins, bullions, or bars based on their investment preferences and risk tolerance. This adaptability, combined with the self-directed nature of these IRAs, gives investors more control over their retirement savings than standard IRAs.

    8. Potential for Growth

    Gold's value is influenced by several factors that can lead to price appreciation. Growing demand in sectors like technology, medicine, and even space exploration can push gold prices upwards. Additionally, gold mining is a costly and challenging endeavor, ensuring that the supply remains relatively constrained. This limited supply, combined with increasing demand, can be favourable for gold's long-term growth potential.

    9. Long-Term Wealth Preservation

    Gold isn't just about potential growth; it's also about preserving wealth over time. It can be passed on to future generations, ensuring that wealth is maintained across decades or even centuries. Its consistent global value means that gold is universally recognized and valued, making it a truly global asset.

    Top IRS-Approved Gold Bullion Bars And Coins

    For those interested in diversifying their retirement savings with gold, it's essential to be aware of the IRS-approved gold bullion bars and coins. To be eligible for inclusion in a Gold IRA, these gold products must maintain a fineness of at least .995 or 99.5%. The following list provides an overview of some of the top IRS-approved gold items that meet these purity standards.

    1. American Gold Eagle coins

    The American Gold Eagle coins, while not adhering to the typical purity requirement of 99.5%, are an exception to the IRS's rules. They are allowed in Gold IRAs due to their widespread recognition and trust within the gold community, despite their slightly lower purity.

    2. American Gold Buffalo coins

    Renowned for their high purity, the American Gold Buffalo coins are .9999 or 99.99% pure. They are fully compliant with Gold IRA requirements and are a favoured choice for many investors.

    3. Canadian Gold Maple Leaf coins

    The Canadian Gold Maple Leafs are globally recognized for their exceptional purity at .9999 or 99.99%. Their high-quality finish and design make them a popular choice for both collectors and investors.

    4. Austrian Gold Philharmonic coins

    With a purity of .9999 or 99.99%, the Austrian Gold Philharmonic coins are another excellent addition to a Gold IRA. They are known for their unique design and are highly sought after by many gold enthusiasts.

    5. Australian Kangaroo/Nugget coins

    These coins, coming from the land down under, also maintain a high purity level of .9999 or 99.99%. Their intricate designs coupled with their purity make them an attractive option for Gold IRA investments.

    6. Credit Suisse gold bars

    Credit Suisse gold bars are known for their .9999 or 99.99% purity. With their global recognition and trust, they are commonly accepted in Gold IRAs.

    7. PAMP Suisse gold bars

    PAMP Suisse gold bars stand out due to their high quality and recognized .9999 purity. They are one of the most popular choices for investors looking to add gold bars to their Gold IRA.

    8. Valcambi gold bars

    Valcambi gold bars are another high-quality choice, boasting a .9999 purity. Their reputation in the gold market makes them a preferred choice for many.

    9. Johnson Matthey gold bars

    Johnson Matthey gold bars, known for their long-standing reputation, maintain a purity of .9999 or 99.99%. They are a reliable choice for those looking to diversify their Gold IRA holdings.

    10. Engelhard gold bars

    Engelhard gold bars, like the others on this list, also adhere to the .9999 or 99.99% purity standard. Their global recognition and trust make them a solid choice for Gold IRA investments.

    11. Royal Canadian Mint (RCM) gold bars

    The Royal Canadian Mint, known for its impeccable minting standards, produces gold bars with .9999 purity. These bars, with their high-quality finish and purity, are an excellent addition to any Gold IRA.

    12. Gold bars and rounds produced by a NYMEX or COMEX-approved refinery or national government mint

    Gold bars and rounds from these approved refineries and mints must meet the required minimum fineness standards to be eligible for Gold IRA inclusion. As they come from recognized and reputable sources, they are widely accepted in Gold IRAs.

    Gold IRA Rollover Vs. Other Precious Metals

    Silver IRA Rollover

    While gold remains a popular choice for many investors, silver also offers an attractive option. A silver IRA rollover allows investors to diversify their retirement funds further. Like gold, silver acts as a hedge against economic uncertainty, but it often comes at a lower entry cost, making it accessible to a wider range of investors.

    Platinum IRA Rollover

    Platinum, another precious metal, offers unique characteristics that can be attractive to investors. A platinum IRA rollover can diversify an investment portfolio, and platinum's use in various industries, like automotive and electronics, can influence its demand and value.

    Palladium IRA Rollover

    Palladium, less common than gold or silver but equally valuable, offers another avenue for diversification. Its primary use in catalytic converters, along with other industrial applications, can drive its demand and price, making a palladium IRA rollover an intriguing option for informed investors.

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