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Best 401K To Gold IRA Rollover Companies
Investing in a Gold IRA could be your way of protecting your retirement savings in these times of new taxes & inflation. Find out more about the benefits and advantages of a Gold IRA!
The Best 401K To Gold IRA Rollover Companies
Goldco
Goldco specializes in IRA and 401(k) rollovers. Their process is transparent and stress-free with a personalized IRA specialist always by your side to help you invest right.
Augusta Precious Metals
Setting up an IRA account and rolling over existing retirement plans are easy. APM provides the best customer experience and education.
Birch Gold Group
BGG is known for their customer service excellence. When new customers call, they are walked through the entire setup process quickly and painlessly by an account rep.
Regal Assets
Regal is one of the few precious metals dealers that offer fully segregated storage where your precious metals are never mixed with the metals of other account holders. All metals owned by customers are fully insured.
Noble Gold
Noble Gold stands out from others by providing transparent and customer-oriented services. Clients also benefit from its low IRA maintenance fees and buyback program.
American Hartford Gold
The company specializes in selling gold and silver coins, bars, and bullion. It’s easy to set up an IRA account with American Hartford Gold and their customer services are exceptionally good.
JM Bullion
With JM Bullion's many years of experience in this industry, their well-trained Gold IRA specialists bring their expertise to help you make informed decisions regarding your investments.
Advantage Gold
As a new kid on the block, Advantage Gold already has thousands of happy customers in the gold IRA space. They have a variety of US and Canadian mint coins and bars for your IRA-approved investments.
Benefits of Investing In Gold And Precious Metals
Every investment has its advantages and disadvantages. A safer alternative to physical gold is buying shares in a mining company. You can invest in bullion, coins, and jewelry if you believe that gold is a good investment against inflation. If your primary goal is to make a profit from rising gold prices by using leverage, the futures market may be for you. However, there are risks associated with any leverage-based holdings.
The dollar and other fiat currencies are losing value and the value of silver and gold is following suit. This can be a good thing, as precious metals tend to soar when the dollar falters. The solidity of precious metals is proven time and again, even in times of economic uncertainty.
It is one thing to invest, but it is quite another to get a good return on investment. Sometimes, it can be difficult to sell investments. Consider homes in declining cities that are being sold to make way for better properties or property in a area that has experienced a rise in crime and pollution. It is possible to not get the property back, if it can be sold at all.
But what about gold and silver? Those are different. No matter what the economy is doing, there will always be buyers who are willing to buy precious metals at the right price. This makes metals extremely liquid.
One of the many benefits is that the government guarantees that bullion coins are minted. They can theoretically be used as money because they are monetized.
Silver and gold are finite resources, which aren't controlled by any one government. Experts believe they will continue to have intrinsic value.
No matter what precious metals product you choose to invest in, make sure you only deal with reputable dealers. There are many fake bars, coins, rounds and coins out there. Many counterfeits may appear to be the real deal, and are not easily detected by the untrained eye.
How To Do A 401(k) To Gold IRA Rollover
Are you trying to find a company that can help you convert your current 401k or traditional IRA into a gold IRA? If so, you've probably been a bit confused by the information you find via standard web searches. Fortunately, our team took the time to do the nitty-gritty research for you.
The most perplexing challenge of finding a competent service provider for 401k conversion to a gold IRA is that the vast majority of companies are either very small, have little experience, or don't even respond to routine inquiries from potential clients.
That's no way to do business, at least if you want to succeed. If you have a 401k, traditional IRA, or even a Roth IRA, and want to roll it directly into a gold IRA with the least amount of hassle possible, consider checking out these companies that have risen to the top of the segment.
Here's more information about the top competitors in this crowded market.
Top Gold IRA Investment Companies For 401k Gold IRA Rollover
In all, there are more than 100 companies that offer services, or claim to offer services, in the 401k-to-gold-IRA rollover space. After you read all the fine print and check them out, as we have, you soon discover that only a handful are clearly a notch above all the others.
Our team culled all the data, crunched the numbers, checked customer service response times, evaluated ownership expertise, and dug into dozens of other criteria to produce the following list of the best of the best.
Each company is described in brief detail, along with key points about their pros and cons so you can make an informed decision.
For reader convenience, we have ranked the top five service providers in this specialty field, even though all five meet or exceed minimum requirements for quality, ethical standards, experience, and consumer service.
Goldco
Pros
Goldco has the highest BBB rating, which is A+
The company's managers are highly respected by consumers and competitors. Together, they have accumulated more than 100 years of precious metals industry experience.
There have been no complaints at all via the BBB in the prior three years, which is almost unheard of in the precious metals IRA industry.
Online reviews from current and former customers are universally positive
Goldco has made an effort to maintain the highest level of customer support in the business.
The company's fees are both competitive and fully disclosed on their website.
Con
They have minimums set at least $50,000 in a qualified retirement account or at least $20,000 in savings/cash.
Goldco is one of the best-known company in the industry. They got to that position by offering low fees and excellent customer service. Goldco specializes in IRA and 401(k) rollovers. Their account minimum is $25,000. Plus, the company is willing to store other, non-IRA metals for all their customers at no extra cost. That includes any of the four eligible precious metals for IRAs.
Each year, Goldco customers can expect to pay about $200 in total fees. Since 2006, Goldco has been one of the top full-service precious metals dealers helping people set up 401k to gold IRA conversions. Company headquarters are in Californian and part of their service menu includes ordinary sales of precious metals to any members of the public.
Goldco is partnered with a related company that offers crypto-currency IRA accounts. That company's name is CoinIRA. With some of the lowest fees in the industry at this time, Goldco only offers two types of metals to its customers, silver and gold. Equity Trust is the custodian they use for storing metals.
Anyone who purchases gold or silver from Goldco can choose to have the assets delivered wherever they wish. Goldco has an impeccable reputation and is one of the few companies in this niche that sells precious metals directly to the public. Plus, their sister company, CoinIRA, offers an alternative for investors who prefer cryptocurrency in their IRAs.
Goldco takes pride in the offers they are able to provide for their clients. They offer both gold coins and bars for Gold IRAs. All of these coins and bars meet the IRS requirements of being 99.5% pure and can be held in IRA accounts. Below are the gold coins and bars you can choose from if you decide to rollover your 401(k) to a Gold IRA with Goldco:
Gold American Eagle Coin
Gold American Eagle Proof
Gold American Bald Eagle Coin
Gold Buffalo Coin
Gold Maple Leaf Coin
Gold Lucky Dragon Coin
Gold Australian Saltwater Crocodile Coin
Royal Mint Gold Lunar Series: 2016-Year of the Monkey Coin
Royal Mint Gold Lunar Series: 2017-Year of the Rooster Coin
Royal Mint Gold Lunar Series: 2018-Year of the Dog Coin
Royal Mint Gold Lunar Series: 2019-Year of the Pig Coin
Various gold bars from PAMP Suisse, the Perth Mint, and other highly regarded mints and refiners
If you are interested in learning more about Goldco and rolling over your 401(k) to a self-directed Precious Metals IRA, visit their website to request to talk to a team member. They will guide you every step of the way to help you understand what Gold and Silver IRAs are, how to set them up and fund them, and the various coins and bars you can add to your account.
Augusta Precious Metals
Pros
On social media and large, verified review sites, as well as with the BBB, Augusta has high ratings. BBB gives them an A+ and lists zero complaints.
Their gold and silver products are prominently displayed on their site and include a wide array of choices.
In addition to doing your paperwork for you, they also offer delivery which is fully insured, explain storage options, and more..
First-year fees are waived for all new customers.
APM offers clients a choice of two top-ranked storage facilities. One is in Canada and the other is in the U.S
If you choose to redeem some of your precious metals, the company has a buyback program.
Con
The account minimum is higher than the industry average.
Augusta Precious Metals does not sell palladium or platinum.
Augusta Precious Metals (APM) is consistently ranked as one of the best companies in this niche. With a minimum initial account balance of $100,000, they automatically price themselves out of a large chunk of the market, preferring to work with customers who are ready to get serious about a gold IRA.
However, with annual fees on the low end of the scale, at about $180, they treat their customers right. Additionally, APM often waives all account-related fees for new customers with large transfer balances.
Both a precious metals dealer and storage company, APM has been doing business since 2012 and prides itself on having the most expert team in the business, each one of whom is customer-focused and ready to answer any questions about gold IRAs.
Representatives work diligently to offer precious metals, silver and gold, at reasonable and industry-competitive price levels. Account setup is quick and simple. Team members do the paperwork for new clients and make the transition from a 401k or traditional IRA painless and hassle-free.
Even if you call to make a routine contribution to your gold IRA, the company's staff is fully attentive to your needs. In addition, APM personnel are happy to provide customers with detailed account charts and data so account holders can see how well their gold IRAs are performing.
Augusta Precious Metals offers secure storage options all over the United States for their Gold and Silver IRAs. Their customers have access to such IRS-approved facilities located in Wilmington, Delaware, Los Angeles, Las Vegas, Jackson, Ohio, Bridgewater, Massachusetts and Salt Lake City, Utah.
Some of the IRS-approved gold and silver coins available at Augusta Precious Metals include:
Gold American Eagle Coins
Gold American Eagle Proofs
Gold Canadian Maple Leaf Coins
Gold Canadian Eagle Coins
Gold American Buffalo Coins
Silver Canadian Soaring Eagle Coins
Silver Canadian Eagle with Nest Coins
Silver American Eagle Coins
Silver Canadian Maple Leaf Coins
If you are interested in learning more about Augusta Precious Metals and rolling over your 401(k) to a self-directed Precious Metals IRA, visit their website to request to talk to a team member. They will guide you every step of the way to help you understand what Gold and Silver IRAs are, how to set them up and fund them, and the various coins and bars you can add to your account.
Birch Gold Group
Pros
They have been in operation longer than most of their competitors, 15 years.
They have an A+ rating from the BBB
BGG has an excellent reputation for top-notch customer service.
BGG fees tend to be lower than the industry averages.
The company is focused on educating customers about the many ways to construct and manage a gold IRA.
Cons
Some of their setup fees are not clearly explained on their website, even though the fees are competitive.
All their storage facilities are U.S. based.
Based in California, Birch Gold Group, also known as BGG, has been in operation since 2003 and does all its business online. Account holders can purchase any of the precious metals eligible for IRAs, namely gold, palladium, silver, and platinum.
BGG also sells directly to the public, whether they want to add precious metals to an IRA or not. However, straight purchases of metals do not get IRA tax treatment. The BGG mission is to assist new customers with the task of learning about how to use precious metals to improve their financial situation.
They also are known for their customer service excellence. When new customers call, they are walked through the entire setup process quickly and painlessly by an account rep. Anyone who has questions gets full, easy to understand responses from BGG team members.
Taking pride in the fact that they offer full service to every customer, the BGG staff is always glad to explain the different account types, the various pros and cons of the four precious metals, and anything else. They do a lot of business with customers who want to roll over a 401k into a gold IRA
A member of the Birch Gold Group team is always available to help you learn more about this proc ess and offer personalized recommendations to help meet your investment needs.
Birch Gold Group offers their clients a variety of storage options. One of their highly recommended choices is the Delaware Depository that offers $1 billion worth of insurance, so you can rest easy knowing your investments will be secure.
Some of the IRA-eligible coins and bars from Birch Gold Group include:
American Eagle Coins (bullion and proof)
American Buffalo Coin
Canadian Maple Leaf Coins
Austrian Philharmonic Coin
Australian Nugget/Kangaroo Coin
Various gold bars and rounds
American Eagle Coins (bullion and proof)
Canadian Maple Leaf Coin
Austrian Philharmonic Coin
Australian Kookaburra Coin
Mexican Libertad Coin
Various silver bars and rounds
If you'd like to learn more about Birch Gold Group (BGG) and rolling over your 401(k) to a self-directed Precious Metals IRA, visit their website to request to talk to a specialist. They will guide you every step of the way to help you understand what Gold and Silver IRAs are, how to set them up and fund them, and the various coins and bars you can add to your account.
Regal Assets
Pros
You can have your entire Regal account set up, funded, and in full operation within less than seven days in most cases.
No matter how large your account is, the company never raises its fees or bases them on how much your account balance is.
Customers can choose from multiple storage locations, all of which are IRS-approved and completely secure.
Cons
The account minimum for opening a gold IRA with Regal is $5,000, which is not the lowest in the industry.
The selection of gold, silver, platinum, and palladium is not as large as you'll find with some other companies.
Regal has maintained a perfect BBB (Better Business Bureau) rating for five consecutive years. In addition to precious metals, they let their customers place cryptocurrency, like Bitcoin, in self-directed IRAs. The company's fees tend to be lower than average and are structured to be "flat," which many consumers prefer.
Their website notes that Regal is on the list of excellent companies maintained by Inc. 500, an industry publication. As a promotional campaign, Regal charges no fees to new account holders. The company has been doing business since 2009 and requires a minimum starting balance of $5,000.
For the purposes of storage, Regal is one of the few precious metals dealers that offers fully segregated storage. That means your gold and other metals are never mixed with the metals of other account holders. Additionally, all metals owned by customers are insured.
Sites that post objective reviews of companies in this niche rate Regal very highly, with a positive ranking in excess of 99 percent for customer satisfaction. Regal agrees to send your metals to you if you decide to hold them for any reason, even though any withdrawals could be subject to IRS penalties for early withdrawal on an IRA.
Regal Assets is a member of the Forbes Finance Council and with Tyler Gallagher as the founder, it has become a highly-trusted name in the precious metals' investment business.
Regal Assets offers various gold, silver, platinum, and palladium coins and bars that meet the IRS' regulations. Gold must be 99.5% pure, silver, must be 99.9% pure, and platinum and palladium must be 99.95% pure to be held in an IRA.
Some of the available coins and bars you can include in your portfolio with Regal Assets include:
Gold Bars And Coins Offered By Regal Assets
1 kl Credit Suisse Gold Bar
10 oz Credit Suisse Gold Bar
1 oz Credit Suisse Gold Bar
50 gm Credit Suisse Gold Bar
20 gm Credit Suisse Gold Bar
10 gm Credit Suisse Gold Bar
2.5 gm Credit Suisse Gold Bar)
1 gm Credit Suisse Gold Bar
Gold American Eagle Coin
Gold Canadian Maple Leaf Coin
Gold Austrian Philharmonic Coin
Gold South African Krugerrand Coin
Silver, Platinum, Palladium Bars And Coins Offered By Regal Assets
100 oz Silver Bar
10 oz Johnson Mathey Silver Bar
1 kl Silver Australian Kookaburra Coin
Silver American Eagle Coin
Silver Austrian Philharmonic Coin
Silver Britannia Coin
Platinum American Eagle Coin
Platinum Canadian Maple Leaf Coin
Platinum Australian Koala Coin
10 oz Credit Suisse Palladium Bar
1 oz Credit Suisse Palladium Bar
Palladium Canadian Maple Leaf Coin
If you are unsure whether your current retirement account is eligible for a rollover, reach out to a member of the Regal Assets team, and they can help you determine if it is eligible.
Noble Gold
Pros
They have a no-hassle, no-questions buyback program for new and established customers.
All their IRA-related fees are displayed in detail on their company website.
Noble Gold offers a complete menu of precious metals for IRAs.
Cons
Gold storage is only U.S.-based, with no options for international locations.
Gold IRA rollovers require a minimum of a $5,000 investment.
Noble Gold might not be the best-known precious metals company in the IRA industry, but they certainly offer an impressive menu of services and excel when it comes to customer approval.
The company prides itself on its ability to quickly and easily assist customers with rollovers from traditional IRAs, Roth IRAs, 401k accounts, and other retirement plans into gold IRAs. Company personnel use professionals in the investment industry to offer help to account holders.
In addition to rapid account setup, there is a buyback program available for those who want it, delivery of metals to the buyer's home for non-IRA purchases, and top-notch customer service all around.
They have in-depth educational materials and specialize in doing quick rollovers for new customers who want to transfer assets from any type of retirement account. Gold, silver, platinum, and palladium are on the investment menu. For customers who want financial advice, Noble team members are happy to refer them to financial experts.
The Noble Gold "five-minute IRA" is an ingenious system for new customers who want to transfer assets from 401k or other IRA accounts and want to do it quickly, for whatever reason. Also on the menu are "emergency packs" of silver and gold for economic downturns and collectible gold coins.
If you want to rollover an existing retirement account into a Precious Metals IRA or set up a new Precious Metals IRA, fill out the IRA set up form on the website. Once you've completed the form, a member of the Noble Gold team will call you to help you finish setting up your account and begin the process of moving funds to the new account.
After your account is funded, you can choose the precious metals you would like to have added to your new self-directed IRA. Noble Gold offers a large selection of IRS-approved gold, silver, platinum, and palladium coins and bars. Below are the options you can choose from:
Gold Bars And Coins Offered By Noble Gold
American Gold Eagle Coins
American Gold Eagle Proof Coins
Canadian Gold Maple Leaf Coins
Austrian Gold Philharmonic Coins
Australian Gold Kangaroo Coins
100 gm Pamp Suisse Gold Bar
2.5 Pamp Suisse Lady Fortuna Gold Bars
Perth Mint 1-Ounce Gold Bar
Johnson Matthey 1-Kilograph Gold Bar
Four-Piece Set Proof Gold American Eagle Coins
Silver, Platinum, Palladium Bars And Coins Offered By Noble Gold
5-Ounce America the Beautiful Silver Coins
1-Ounce American Silver Eagle Coins
1-Ounce Canadian Silver Maple Leaf Coin
1-Kilograam Australian Silver Coin
1-Ounce Silver Austrian Philharmonic Coin
1-Ounce Highland Mint Silver Round
5-Ounce Highland Mint Silver Bar
1-Ounce Platinum Canadian Maple Leaf Coin
American Platinum Eagle Coins
Baird & Co 1- and 10-Ounce Platinum Bars
1 oz Credit Suisse Palladium Bar
1 oz Palladium Canadian Maple Leaf Coin
If you are interested in learning more about rolling over your 401(k) to a self-directed Precious Metals IRA with Noble Gold IRA Company, talk to a team member. They will guide you every step of the way to help you understand how you can diversify your investment and protect your portfolio.
Latest Gold Investing News
Here are some recent gold price news and gold investment strategies
Are Gold IRAs A Good Investment?
If you're looking for a safe, inflation-proof investment, gold is a logical choice. Most people don't think about investing in gold in their IRAs. The IRA industry has been slow to catch on to gold.
Best way to invest in gold
We prepare a 1 month, 3 months, and 6 months goal for your account. We write down each and every step that will be covered. And then we have a tracking system in place to see if we are hitting our goals.
Precious metals prices today
This is the part where your experts take over and execute all the steps, right from content creation, scheduling, responding to comments, likes, and share. Everything is taken care of.
Frequently Asked Questions
What is a gold IRA rollover?
A gold IRA rollover is when one converts part of an existing retirement account like a 401(k) into physical precious metals. It is a legal transaction that anyone can do with the help of a precious metals dealer like those listed above.
The holder of the 401k account needs to find a dealer who can do conversions, fill out the forms to transfer the full amount of funds into the new, self-directed, gold IRA (which is actually called a precious metals IRA by the federal government), and then decide which precious metals they want to place into the new IRA. Choices include gold, silver, platinum, and palladium.
What are the basic tax rules for 401k to gold IRA rollovers?
There are no IRS penalties or fees if you convert your 401k directly into a self-directed gold IRA. The transaction is called a trustee-to-trustee transfer, and the paperwork is rather simple.
Any of the companies listed above can walk you through the process in a few minutes.
The direct transfer is painless and involves zero tax consequences. The reason for the simplicity is that you, the account owner, are not taking possession of the funds. Instead, you are just transferring them from one trustee to another, just as you might use proceeds from the sale of one home to immediately, and directly, purchase a new one without ever "touching" the money.
Are gold IRAs wise investments for most people?
They are an excellent way to avoid the volatility of the marketplace with self-directed IRAs that include things like stock shares, mutual funds, etc. Traditionally, people have sought out gold as a safe haven investment because it often moves against the general direction of the securities markets and never loses its total value (like some stocks have).
Gold IRAs can help stabilize and protect your long-term wealth in a way that market-tied securities, even cash, simply can't. That's why there's so much interest in gold IRAs.
Is there such a thing as the "best gold IRA"?
There are precious metals dealers that are among the best in the industry, but as for the "best" structure or contents of a gold IRA, that depends on the specific needs of the investor.
Some people prefer a mix of gold, silver, palladium, and platinum. However, the vast majority of people who opt for a self-directed, precious metals "gold" IRA, tend to include gold and silver in varying amounts.
How do people own physical gold in an IRA?
When you open a gold IRA, you do not personally have possession of the metal. The custodian does. Your metals are placed in a vault or other kind of high-security facility.
How long does it take to set up an account and complete a 401k rollover?
Once a person decides to open a gold IRA account, the paperwork takes less than 15 minutes. After that, you generally have up to 60 days to decide how much and what kind of precious metals to fund the new IRA with. But, the setup process is quick and exceedingly simple.
Are there fees or tax consequences for doing a 401k rollover to a gold IRA?
The IRS charges no penalties or fees to switch a 401k or traditional IRA into a gold IRA. Precious metals dealers usually charge an account initiation fee and an annual fee for their services. Additionally, the storage facility also charges a fee for holding and protecting the physical metals, which includes insuring them against loss or theft.
What are typical gold IRA fees?
Prices and fees vary from company to company and also for storage. Most individuals end up spending between one and several hundred dollars per year, depending which dealer they use, how much gold they store, and which facility they select as their preferred storage location.
Why can't customers have gold ira storage at home or safe deposit boxes?
The short answer: Because the law forbids it. The longer answer: The IRS rules make it clear that any precious metals in a self-directed IRA must be of a certain purity, can only be four types (gold, silver, palladium, and platinum), and can't be held in the account holder's home, safe deposit box, or anywhere outside an "IRS-approved" storage facility.
What percent of my retirement money should go into a gold IRA?
That's a personal decision, and precious metals dealers will not offer "investment advice" about that topic. However, they will repeat common guidelines that you often hear about, like putting between five and fifteen percent of your retirement money into gold IRA.
Some people put in more, and some put in less, based on their particular financial situation and discussions with their financial advisors, attorneys, or CPAs.
Can I add gold to a traditional IRA or to a standard 401k?
You can't. The only kind of IRA you can add precious metals to is a self-directed, precious metals IRA, which is commonly called a "gold IRA" for obvious reasons. In your 401k, you cannot hold metals or any physical objects of any kind. The same is true for both regular and Roth IRAs.
What is a gold IRA custodian?
A gold IRA custodian is defined as a financial institution that utilizes valuable metals like gold in the creation of distinct retirement plans for people who want to maximize their savings and secure their financial future. It's illegal to set up a retirement plan without a custodian, so this is a necessary part of the process and required by the IRS.
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