Yes, with a condition: the SECURE Act of 2019 eliminated the age limit that previously barred Traditional IRA contributions after age 70½. Under current law, there is no maximum age for contributing to a Traditional or Roth IRA – including a self-directed IRA holding gold or silver – as long as you (or your spouse, if filing jointly) have taxable earned income at least equal to the contribution.

This means fully retired individuals with no earned income generally cannot make new IRA contributions, gold IRA or otherwise, regardless of age. But someone doing part-time consulting, freelance work, or any W-2/self-employment income in retirement can still contribute, up to the 2026 limit of $7,500 ($8,600 if 50 or older, per IRS Notice 2025-67).

Required Minimum Distributions (RMDs) are a separate rule: Traditional IRA holders must begin taking RMDs at age 73 (per SECURE 2.0), regardless of whether they’re still contributing earned income to a different IRA. Roth IRAs are not subject to RMDs during the original owner’s lifetime.

FAQ

Can I roll over a 401(k) into a gold IRA after retiring, regardless of age or income? Yes – rollovers aren’t contributions and aren’t limited by earned income or the annual contribution cap.