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...
Quick answer: Beyond the 99.5% purity threshold, IRA-eligible gold generally has to be produced by a national government mint or an accredited/certified refiner or assayer — not just any bar or coin that happens to test at the right purity. This article is grounded in the topic actually covered by...
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...
Inflation's effect on cash is straightforward and well-documented: if prices rise faster than the interest your savings earn, your money buys less over time even though the number in your account stays the same or grows slightly. The Bureau of Labor Statistics tracks this directly through the...
