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  • The Gold IRAs 101 Team

Investing In Gold Coins and Bullion...There Is a Better Way!

We live in a time where everyone wants to save money in one way or another. Whether you have a plan through work, a financial advisor, or even blue chip stocks, you may be among the majority that believes they're all set. While planning for retirement, and the future, is great when done the traditional way, you might not be as well off as you think.

The market is something that you simply can't control. Can you make predictions? Absolutely, but to be quite honest with you, those predictions are still educated guesses at the best.

This is why, today, we want to show you another way to strengthen your portfolio. Diversification is key, and more often than not, self directed IRAs are overlooked. This may be a bad thing for the general population, but for those of you reading this today, you'll find plenty of valuable insight here.

We encourage you to pay very close attention to what we go over today. We're not going to sit here and tell you that investing in gold coins is perfect for you, but we will be showing you how investing in gold coins can be detrimental to the survival of your portfolio.

Therefore, with all of that being said, we'll be going over some key elements about investing in gold coins such as:

-What investing in gold coins can look like

-The purpose of a self directed IRA, and how holding physical precious metals can help solidify your portfolio.

-Why it's better to hold gold in an IRA as opposed to self-storage

-How you can go about investing in gold coins within a precious metal IRA

Now, we know that this seems like a lot of information, so please be sure to read each section carefully. It is our purest intention to make sure that you're well informed, so if you ever need to refer back to this article as a guide, please feel free to do so at your leisure.

When it comes to investing in gold coins, time is definitely money, so we won't be wasting anymore of yours. Therefore, let's get right down to the point, and take a look at how investing in gold coins can be the game changer you need.

What investing in gold coins can look like

When you think about investing in gold coins, what do you think about? If you're like everyone else, chances are you think about buying some gold to hold onto right? Well, while that may be true, that's not exactly the only way to start investing in gold coins. Now, with that being said, this section will be dedicated to showing you some of the less well known methods when it comes to investing in gold coins.

When you think of an IRA, you probably think about a 401k plan or a Roth IRA. While these may both be great investment vehicles, they're most certainly not the only ones. Sure, there are government plans like 403Bs and such, but precious metals IRAs are also becoming increasingly popular.

A precious metals IRA, at its core, is an IRA that builds value based on holding physical metals. This is where investing in gold coins comes into play, but gold is not the only thing you can invest in. So if you're curious about precious metals IRAs, and what can be held as a precious metal, take a look at this brief list:





So when it comes to a precious metals IRA, the options are really in your favor. If you don't like investing in gold coins, no problem, throw some of that money into silver instead.

Before we move on, there is one final piece of information you need to know about a precious metals IRA. This is due to the fact that you won't have as much freedom, because you'll be forced to store the gold within IRS approved locations. Therefore, with precious metals IRAs, bank deposit boxes you choose on your own might not be viable. You'll also need to make sure that you utilize a self directed IRA, which we'll be showing you all about in the next section.

Self storage

The other way investing in gold coins works, which is also the simple way, is to simply store the gold on your own. This has great appeal, because nobody will be able to take it from you, but storage can be quite difficult. You'll need to plan out where you store your metal, how you store your metal, and how much metal you can store.

While self storage is among the most popular ways to invest in precious metals, it's not going to yield you a very high return on your investment. Will it be liquid compared to an IRA? Absolutely, but you lose the market exposure and trading abilities. If this stuff sounds a bit confusing so far, don't panic, because we'll be going into more detail about why a precious metals IRA is right choice a little later on.

When it comes to investing in gold coins, you have plenty of options, so you always want to consider each one carefully. This will make you sure that you get the most out of your valuables.

The purpose of a self directed IRA

Remember when we briefly touched upon self directed IRAs just before? Well, in this section, we'll be doing everything in our power to help you learn about how these IRAs work. Plus, aside from learning the basics, we'll also layout a few reasons as to why using a self directed precious metals IRA is a great way to diversify your portfolio.

What is a self directed IRA anyway?

The first thing you need to know about a self directed IRA is that it's the financial vehicle you need to use in order to hold precious metals within an IRA. This is due to the fact that self directed IRAs are used for all types of investments such as:

Real estate based IRAs

Precious metals IRAs

Notes Placements that are private Tax liens

....and a whole bunch of more complicated investment opportunities

So when you think about a self directed IRA, think of it as a financial vehicle that allows you to invest in more than just stocks, bonds, mutual funds, and CDs. Pretty simple so far right?

What are the rules of a self directed IRA?

The next thing you need to know about a self directed IRA is that there are certain rules in which you need to follow. Unlike a traditional IRA, where you leave most of the logistics up to an advisor, these accounts are a bit more hands on than usual. This means that you'll need to establish a trust that will own the IRA, because according to the rules the IRS has provided, you can't be the direct owner of a self directed IRA.

Now, we get it, this night scare some people away. The idea of investing in gold coins and not owning those coins would seem strange right? Luckily, while you won't be the direct owner, that doesn't mean that you can't own the investment. Still, you won't be the direct owner, but you'll be leaving the IRA with a trustee or custodian. They're not too hard to find, but you'll need someone who is registered and trusted. With that being said, these IRAs are not offered everywhere, so always make sure you do some searching before you go ahead and leave your precious metals with someone.

Here are some of the other common IRS rules:

The investors that will help you invest with these accounts are not necessary allowed to offer you with investment advice, so a lot of the risk is on you in that sense. You can still set up a self directed IRA as a traditional IRA or a Roth IRA. The rules of liquidity apply (59.5 to withdraw and 70.5 for forced distribution)You need a buyer lined up if you want to withdraw funds from the account. The fees require you to really focus on what they are.

So while a self directed IRA may seem complicated at first glance, once you really break everything down, it's not too hard to understand. Just make sure you work with a trusted establishment, and do some of your own homework beforehand as well.

The benefits of investing gold coins within a self directed precious metals IRA account

Now that you know what the account is, and how it works, it's time to get into the real meat of this article. You want to know how they can be beneficial, right? Plus, if you'll be doing all this work on the backend, chances are you'll want to see some type of return for the better. Therefore, in this section, we'll be showing you all about the benefits that come with investing gold coins in self directed IRA accounts.

Risk management

The first thing that you need to know, and something that a lot of people fail to focus on, is the area of risk management. Risk management is detrimental to your financial plan, because if your foundation ever becomes in danger, your whole portfolio can come crashing down.

Investing in gold coins into a precious metals IRA will definitely help you manage some of that risk, because gold does not apply to the same rules of the market. This is important, because even if your portfolio takes a dive due to the market, your precious metals IRA will still remain intact. This can help you retire when the market is down, and help make sure that no financial adversity ruins your whole game plan.


Diversification and risk management both work together to make sure that your level of risk is relatively low. This is for those of you who already have the risk management part down pat, but are still looking for further diversification methods. Well, if that sounds like you, then investing gold coins into a precious metals IRA is definitely a great idea.

This is due to the fact that it will give you another asset to manage, and in a game of assets, the more you have the better off you are. Remember when we talked about risk management just before, well, if your portfolio is diverse your level of risk will always be lower. Plus, the price of gold remains pretty level and always holds value, so you won't need to worry about your investment becoming useless either.

Tax benefits

This is probably the part you've been waiting for, because nobody likes handing over money to good old Uncle Sam. A lot of the time, when using a self directed IRA, you'll be setting yourself up for success within a tax advantaged account. So what does that mean? Well it means that a lot of the investments you make will be tax deferred. Therefore, if you don't want to pay taxes on the front end of your gold purchases, placing them within a self directed IRA is definitely a great choice.

While having a tax deferred account is great, investing gold coins in a self directed IRA also offers another tax benefit. This benefit works the same way it would in a Roth IRA, which means that you won't really have to pay any tax on the gains at all. The only issue with the Roth option is that you need to make under a certain amount of money annually ($120,000), and $6,000-7,000 is the maximum contribution.

Passing down generational wealth

The last thing you'll want to consider is passing down wealth. Gold is something that's held value since before Christ was born, and something tells us that won't be changing anytime soon. So for this benefit, let's take a page out of the Rothchild playbook. If you know the name, then you know just how wealthy that family is.

The Rothchilds invest a heavy portion of their portfolio into gold, and while we don't know the exact number, we definitely know that it's a lot. The Rothschilds claim that gold is the best way to pass down generational wealth, and due to the lack of fluctuation in the value of gold, we definitely believe that statement. Plus, when you own an IRA through a trust, when it comes time to pass your wealth on to your heirs, the process becomes a lot easier.

How does investing gold coins in a self directed precious metals IRA work?

If you'll be investing gold coins into one of these IRAs, you'll definitely need to understand how the process works. Luckily, in this section, that's exactly what we'll be showing you. So if this article has planted some ideas in your head so far, you'll want to pay very close attention to this section, because we'll be showing you how to capitalize here.

Rolling over funds from a 401k.

Have you ever heard of a 401k rollover? Well, if you haven't, it's typically a 1035 exchange where you transfer money from one account to another. This helps you avoid tax penalties, and everything else under the sun, but a rollover can also help you purchase precious metals. Think of it this way, if you want to diversify 20% of your 401k portfolio, you can allocate 20% of the value of your account into investing in gold coins through a self directed precious metals IRA. While that may be a mouthful, it's quite an easy process, and you just need a custodian to help you setup a trust and conduct the transfer of funds.

Using a lump sum of money for investing in gold coins

Rolling over money is a great way to get the job done, because it won't harm your cash on hand, but we'd be lying if we told you that was the only way. This is due to the fact that you can also start a self directed IRA with a lump sum of money you want to invest. You'll need to follow the same guidelines, and find a custodian, but there will be a lot less paperwork involved if you go this route.

Either route is a good option, and both investments are very safe as well. This is due to the fact that gold will always be valuable, and this is backed by history.


If you're going to be investing in gold coins, we beg you to choose a self directed IRA instead of just buying gold to keep in a safe. This is due to the tax benefits, the growth opportunity, and the ability to use your gold coins as a real asset. Now, we know we threw a whole lot of information at you today, so feel free to go back through the sections if you need to.

Investing gold coins in a self directed precious metals IRA is a great way to add a little bit of diversification to your portfolio. Not only will it decrease risk, but it can also help you out with taxes as well.

Investing gold coins into a precious metals IRA is not going to be right for everyone, but most people can definitely benefit from it. It might seem nerve wracking at first, but trust us on this one, the process is definitely worth it.

Now that you know the facts about investing gold coins into precious metals IRAs, what will your portfolio look like?

If you are interested in purchasing physical gold and owning it in a gold IRA or 401K, we highly recommend Regal Assets for your your gold investment needs. They can manage every aspect of your Gold IRA transfer or rollover.

Contact them by clicking on the link below today for your free, no hassle investment kit:

Regal Assets

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Best Regards,

The Team