The Best Gold IRA Companies Compared

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Gold has proven itself to be a source of stable and steady growth in recent years as compared to the stock market, which has been more volatile.

For this reason, retirement investors are increasingly using gold IRAs for diversification and hedging their portfolios against inflation and market volatility.

While the vast majority of investors prefer investing in more traditional assets, such as bonds, stocks, and funds, the tax code also allows people to invest in precious metals such as silver and gold using specialized IRA accounts.

Unlike traditional IRA accounts that can be easily set up and maintained using a custodian, setting up a Gold IRA account and maintaining it involves a lot more. Investors are sometimes required to identify a custodian and approved depository.

The gold has to be first purchased before being transferred to the depository in a manner in which the custodian can look after it. Investors have to work with reputable and reliable gold IRA companies to accomplish that.

Our research has unveiled several legitimate companies that offer gold IRA services.

The companies were initially screened for the highest consumer ratings from both the Business Consumer Alliance (BCA) and the Better Business Bureau (BBB), which ended up narrowing the list to 5.

Further screening was done for other factors such as price and fee transparency, customer support, educational resources, and the ease of acquiring precious metals and setting up an account, which identified the best gold IRA companies in 5 categories.

#1

Augusta Precious Metals-Small

Augusta Precious Metals

The customers of Augusta Precious Metals not only enjoy low costs but also know exactly how much they are paying and for what.


It is due to this reason that Augusta finds itself as the best gold IRA company on this list due to its transparent pricing.

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#2

Goldco Precious Metals

Goldco Precious Metals

Goldco Precious Metals and its account representatives usually go the extra mile to make sure that both existing and potential customers receive all the information needed to make an informed decision

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#3

Birch Gold Group

Birch Gold Group

Birch Gold Group has established a solid reputation for close to two decades handling physical precious metals.

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#4

Noble Gold

Noble Gold

Noble Gold finds itself on this list as one of the best gold IRA companies for small investors due to its low minimum investment required and extensive educational resources provided.

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#5

Regal Assets

Regal Assets

Regal Assets has a competitive pricing structure and top consumer ratings, which makes it one of the leading gold IRA companies since it was established in 2010.

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Augusta Precious Metals

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  • Easy gold IRA setup
  • Transparent pricing
  • Top reputation
  • Low Gold IRA fees

The customers of Augusta Precious Metals not only enjoy low costs but also know exactly how much they are paying and for what. It is due to this reason that Augusta finds itself as the best gold IRA company on this list due to its transparent pricing.

Pricing makes all the difference most of the time when reviewing gold IRA companies. Companies regularly claim to have a low-cost fee structure, but only a handful ever reveal all their costs.

Augusta’s pricing scheme and fee structure are not only straightforward but also totally transparent.

Augusta Precious Metals is a family-owned business that has built its reputation for integrity and transparency since it was established back in 2012.

It reinforces its customers’ confidence further by offering a 100 percent money-back guarantee for any new customer, guaranteed fair pricing, as well as 7-day price protection.

The gold IRA account with Augusta is self-directed, which means that there aren’t any management fees. For details on setting up the account, annual storage, and other fees, you will need to get in touch with the company.

The company also has a great buy-back program.

For its customers’ storage needs, Augusta Precious Metals has partnered with a highly reputable Delaware Depository that has vault locations throughout the United States.

Overall, Augusta has exceptional customer service as evidenced in its high consumer ratings.

The company’s transaction and onboarding processes are turnkey, with specialists helping customers with all the paperwork required. Still, customers are unable to make purchases online.

The two significant drawbacks of Augusta Precious Metals are the high minimum investment required to establish a gold IRA and the limited choice of metals.

Customers looking to invest in palladium or platinum will need to look elsewhere since the company exclusively focuses on silver and gold coins and bullion. Still, it is an attractive option for its transparent pricing scheme and easy IRA rollovers.

Pros

  • Guaranteed fair pricing on purchases
  • Money-back guarantee
  • Cost and transparent fee structure

Cons

  • Online purchases are not allowed

Goldco Precious Metals

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  • Best Gold IRA service
  • Low fees
  • Customers love them
  • Fantastic reviews

Goldco Precious Metals and its account representatives usually go the extra mile to make sure that both existing and potential customers receive all the information needed to make an informed decision, which is why this gold IRA company is the one offering the best customer support of all the options on this list.

No other gold IRA company on this list goes to such great lengths to present investment information in an objective and organized way to gain the full confidence of the customer.

Goldco was founded in 2006 and it stands out in a variety of ways, but providing exceptional customer support is one of the ways it has built a reputation for itself.,

From setting up an account through their most recent transaction Goldco’s customers receive the “white-glove service” that includes direct access to a specialist to guide them each step of the way.

The company encourages customers to make the most of its extensive education center on its website. Goldco maintains an in-depth blog that covers a range of interesting topics in addition to the comprehensive list of videos and several e-Books.

The strong focus on customers is what has helped Goldco earn the highest ratings from both the BCA and BBB along with the almost perfect reviews on Trustpilot and Consumer Affairs.

You will have to get in touch with Goldco for additional information about account minimums, fees, storage, and custodians. The company will also offer you a free guide if you are willing to provide your name, email, and phone number.

Setting an account is easy and quick, done mostly online. Goldco also offers 401(k) and IRA rollovers to transfer in your existing retirement funds.

Pros

  • Competitive pricing
  • Extensive educational resources
  • New accounts get 10 percent back in free silver coins

Cons

  • Minimum investment amounts are applicable
Birch Gold Group

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  • Lowest minimum Gold IRA
  • Best customer education
  • Free shipping
  • Top customer reviews

Birch Gold Group has established a solid reputation for close to two decades handling physical precious metals. The gold-medal team also puts its talents to work, helping with portfolio diversification using silver, gold, platinum, and even palladium.

Birch Gold Group brings significant expertise to the table, having honed its skills with leading corporations in tech and finance.

Backed by this breadth and depth of knowledge and coupled with a commitment to exceptional customer service, the company makes your gold IRA process easy.

The company has set reliable standards for customer empowerment, empathy, transparency, education, efficiency, and ethics. Responsiveness is crucial to the work of the Birch team.

If you have any questions, the team provides answers in a timely fashion to help you make informed decisions.

The company connects you with a reliable precious metals specialist. The specialist has a good understanding of the industry and will get to know your financial goals and dreams.

Both of you will then work together during your relationship with Birch Gold, building continuity and comfort.

The client testimonials and ratings of Birch Gold show the level of trust that customers have in the company. The team will work hard to gain your trust while you diversify your portfolio.

The company always puts you first: from resource sharing to helping you become a more knowledgeable investor to refusing to share your contact details with any third party.

Birch Gold has built its reputation on customer service as is clear if you read the online testimonials. The company has a BBB rating of A+.

The goal is utmost satisfaction with every interaction, which is why the company’s customer relations team will always follow up to ensure that you are pleased.

Pros

  • Birch Gold Group allows you to invest in silver, gold, palladium, and platinum.
  • The free information kit provided by the company will help you learn more about setting up a Gold IRA.
  • You also have the option of purchasing precious metals for personal investment in addition to the IRA-approved coins.

Cons

  • The company does not list all the fees charged to account holders on the website.

4. Noble Gold

Noble Gold
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  • Flat service and storage fees
  • Not required to pay a setup fee
  • Low minimum investment
  • Zero complaints

Noble Gold finds itself on this list as one of the best gold IRA companies for small investors due to its low minimum investment required and extensive educational resources provided.

Noble Gold was established in 2016, which makes it a relative newcomer to gold IRAs. Still, even with its extensive educational resource and minimum investment required, it has quickly become a favorite as a leading gold IRA company for beginner investors.

The company has also gained traction with the customer rating agencies in its short history, garnering a 5-star rating with Consumer Affairs, A- rating with the BBB, and a BCA rating of AA with zero complaints in the past 3 years.

Noble Gold also provides potential customers with an initial consultation for a mutual understanding of their needs, objectives, and preferences in addition to its comprehensive offering of educational resources.

Customers are subsequently assigned a specialist that guides and educates them the rest of the way without the need to resort to high-pressure sales tactics.

The company doesn’t necessarily charge the lowest fees, but they are competitive. New customers are not required to pay a setup fee, but all accounts are charged an annual service fee of $80. All customers are also required to pay an annual storage fee of $150.

The good news is that the above are all flat fees, which are charged to all accounts irrespective of size and the storage fees even cover the cost of segregated storage.

Due to the extensive network of Noble Gold’s suppliers and partners, customers are afforded competitive pricing on gold purchases. The company also offers a “no-questions-asked” buy-back service.

Equity International is the custodian that Noble Gold uses. You can see your account information at any time on the company’s website. For storage, Noble Gold uses International Depository Services (IDS).

It has 2 locations in the United States and 1 in Canada. Storage at the high-tech IDS facility with an insurance policy from Lloyd’s of London.

Potential customers have the option of spending all the time they need on the company’s official website, browsing educational content, and obtaining the information they need before contacting a representative to open an account.

You can complete part of the account registration online, but to complete the process you will need the assistance of a representative.

Pros

  • Flat service and storage fees
  • Extensive educational resources
  • Low minimum investment

Cons

  • Annual fees tend to be proportionately high for those with low account balances

Regal Assets
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  • Zero fees for IRA rollovers or transfers
  • Extensive IRA rollover track record
  • Flat annual storage and service fees
  • Best for IRA rollovers

IRA rollovers are often tricky since they require specific expertise so that mistakes can be avoided. So, when IRA rollovers comprise 95 percent of Regal Assets’ business, you can be sure that it knows exactly what it is doing.

It is precisely due to this reason that Regal Assets finds itself on this list as the best gold IRA company when it comes to IRA rollovers.

Regal Assets has a competitive pricing structure and top consumer ratings, which makes it one of the leading gold IRA companies since it was established in 2010.

But when 95 percent of the company’s business comes from IRA rollovers, it deserves special recognition as the best IRA company when it comes to IRA rollovers. The company backs up the recognition with better IRA rollover services and expertise.

If that still wasn’t enough, the company now charges zero fees for the service.

Regal Assets might not be rated by either Consumer Affairs or BBB and has 3.8/5 on Trustpilot, it has a rating of AAA from the Business Consumer Alliance as well as numerous other positive reviews on third-party review platforms.

The company’s fee structure is straightforward and transparent. It charges a flat rate for service and storage of $250 annually. The fee is inclusive of the cost of segregated storage, which is lower than the vast majority of companies.

The company doesn’t have any extra transaction fees. A minimum investment may apply. Get in touch with the company for additional details if you would like to invest with them.

Regal Assets also provides great customer support. Starting with a wide array of educational resources, Regal Assets specialists start working with customers during the application process and keep holding their hands each step of the way.

Pros

  • Zero fees for IRA rollovers or transfers
  • Extensive IRA rollover track record
  • Flat annual storage and service fees

Cons

  • It is not possible to make purchases online

What Is a Gold IRA?


Individual retirement accounts (IRAs) are not new. They are effective tools for safeguarding money to fund your retirement. The instruments have traditionally held assets such as bonds, stocks, or cash.

Gold retirement accounts were introduced in the investment market starting in the late 1990s.

These self-directed IRAs allow investors to choose precious metals such as gold, silver, palladium, and platinum to back the product.

Other self-directed IRAs feature assets such as art, cryptocurrency, or even real estate.

Like traditional IRAs, you have the option of contributing to a gold IRA on a pre-tax basis and grow value in a tax-deferred way.

The traditional and alternative precious metals IRAs both function on the same annual contribution maximums, liquidation regulations, and income limits.

These alternate paths to financial security as a senior citizen are usually more complex than traditional IRAs. The precious metals that you choose have to meet the exacting standards for fineness as stipulated by the Internal Revenue Service.

IRS rules don’t allow all gold products; just certain bars, coins, and bullion that meet the IRS requirements. The IRS doesn’t allow jewelry, even when it holds significant value.

You are required to store the precious metals backing your IRA in a special depository, which means that it is like buying gold without actually possessing it. The facilities must be approved by the IRS.

Using a storage facility that isn’t approved by the IRS can result in disqualification of your gold IRA.

Besides the more complex nature of managing your gold IRA, you will typically be charged higher fees than traditional IRA products. You must choose a firm that’s equipped to handle these unique precious metal IRA products.

The gold IRA providers usually charge setup, storage, and administrative fees, as well as commissions.

The benefit to gold IRAs is that they can guard against inflation and offer a way to diversify your retirement portfolio. A highly qualified gold IRA company will help you take advantage of these alternative investments.

Why Invest in a Gold-Based IRA?


Gold IRA accounts make an excellent choice if you want to lean into alternative investment.

While the price of gold varies from one day to the next based on economic factors, the value usually trends upwards in times of upheaval or uncertainty. If you are thinking about retirement planning, this provides peace of mind.

Gold IRAs, just like the stock market or any other investment, have risks attached, but gold investing is historically more dependable. The greatest advantage to a gold IRA is the ability to diversify your retirement portfolio.

You might not earn dividends with your gold investment as you would with stocks, but gold IRAs provide some form of protection when facing inflation and recession. Gold usually goes up in value as paper assets go down.

Some industry experts are skeptical of the idea of precious metals IRAs or gold IRAs due to their more stringent IRS regulations, complex nature, and higher fees.

Furthermore, they suggest that if you would like to own physical gold or other precious metals you should just buy gold or silver bars.

If you don’t hold these assets in an IRA, there’s no need for you to bother with depository needs and complicated rules.

Gold IRAs can be an excellent option if you decide to diversify your retirement portfolio and protect yourself against economic volatility.

You should place a small portion of your funds, preferably below 10 percent in this alternative investment.

When you use a rollover to start your precious metals IRA or gold IRA, you will not be subject to the $6,000 ($7,000 for those 50+) annual limits set by the IRS.

Your financial advisor will help you decide whether gold will take you where you would like to go before reaching out to a specialized gold IRA company to take the next steps to make gold purchases.

Frequently Asked Questions (FAQ)


Will the Value of a Gold Coin Increase?

Yes. The value of a gold coin will increase as the value of gold increases. Each coin’s face value (what’s printed on it) isn’t a true reflection of its value. Rather, the value is probably significantly higher based on gold’s current price.

When Is the Best Time to Make Gold Purchases?

The ideal time to buy gold is when it is priced lower. The value of gold is generally lower when the stock market is overperforming. Gold may also come down in price in some months, including April, March, and January.

How Can I Invest in Gold?

You can invest in gold in several different ways. The first one is to buy gold bars or coins from a local coin shop or gold investment company. Hold the coins until you are satisfied with the growth in their value or you need the money for your retirement or another major expense.

Setting up a Gold IRA is another way to invest in gold. Gold IRAs are a form of Self-Directed IRA where funds are held in gold as opposed to traditional stocks and bonds. Setting up a gold IRA can be an excellent way to invest in gold or other precious metals without having to worry too much about taxes.

How Much of My Portfolio Should I Hold in Gold?

The answer to this question will vary depending on the individual based on their age, current financial position, as well as their personal preferences. If you are close to retiring, you will probably want to take fewer investment risks, which means that you might not necessarily want a significant percentage of your funds invested in gold.

If you are still young, however, you have more time and can afford to be a bit more aggressive with your investments and take greater risks, so you may decide to have a larger portion of your portfolio invested in gold.

You always have the option of chatting with your financial advisor and shifting investments around in your portfolio based on what makes sense at the time based on your personal financial goals and the economy.

Best Overall

Augusta Precious Metals

Augusta Precious Metals

The customers of Augusta Precious Metals not only enjoy low costs but also know exactly how much they are paying and for what. It is due to this reason that Augusta finds itself as the best gold IRA company on this list due to its transparent pricing.

Best In value


Goldco Precious Metals

Goldco Precious Metals and its account representatives usually go the extra mile to make sure that both existing and potential customers receive all the information needed to make an informed decision