A Gold IRA isn't a separate retirement account category from a "regular" IRA in the eyes of the IRS — it's a self-directed traditional or Roth IRA that happens to hold physical precious metals instead of stocks, bonds, or mutual funds. The contribution limits are identical: for 2026, that's...
The IRS rules for holding precious metals in an IRA are specific and worth knowing before buying anything. Under IRC Section 408(m), gold must be at least .995 fine, silver at least .999 fine, and platinum/palladium at least .9995 fine to qualify - with a narrow exception for American Gold Eagle...
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...
Rather than taking any single company's marketing at face value, there are concrete steps for vetting a precious metals IRA dealer or custodian. Confirm the custodian is a bank, credit union, or IRS-approved non-bank trustee under IRC Section 408(a)(2) - the IRS requires a qualified third party to...
Starting retirement savings in your 20s has a real, quantifiable advantage: time for compound growth. A dollar invested at 25 has roughly 15 more years to compound than the same dollar invested at 40, assuming a typical retirement age around 65 - and because compound growth is exponential, those...
