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Call us for
your Free Physical Brochures:

877-588-8886

PROTECT YOUR LEGACY WITH A PRECIOUS METALS IRA

Secure your tomorrow today

WHAT IS A PRECIOUS METALS IRA?

A Precious Metals IRA is a self-directed individual retirement account that allows you to invest in physical gold, silver, platinum, and palladium. Unlike traditional IRAs that typically hold paper assets such as stocks, bonds, and mutual funds, a Precious Metals IRA provides an opportunity to diversify your retirement portfolio with tangible assets.

Key Components:

  1. Custodian: An IRS-approved custodian manages the IRA, ensuring compliance with IRS regulations.
  2. Physical Metals: The metals must meet specific purity standards and be stored in an IRS-approved depository.
  3. Self-Directed: You have more control over your investment choices compared to traditional IRAs.

Benefits of a Precious Metals IRA

  • Diversification:
    • Reduced Risk: Diversifying with precious metals can reduce the overall risk of your retirement portfolio. Precious metals often perform differently than stocks and bonds, offering a hedge against market volatility.
    • Inflation Hedge: Gold and silver, in particular, are known to be effective hedges against inflation. As the cost of living rises, the value of these metals tends to increase, preserving your purchasing power.
  • Control and Flexibility:
    • Investment Choices: You have the freedom to choose specific types and amounts of precious metals for your IRA. This control allows you to tailor your investment strategy to your financial goals and market outlook.
    • Direct Ownership: Unlike mutual funds or ETFs, which represent indirect ownership, a Precious Metals IRA involves direct ownership of physical metals.
  • Tax Advantages:
    • Tax-Deferred Growth: Contributions to a Precious Metals IRA can grow tax-deferred. This means you won't pay taxes on the earnings until you withdraw them, allowing your investments to compound over time.
    • Roth IRA Benefits: If you choose a Roth Precious Metals IRA, your contributions are made with after-tax dollars, but qualified withdrawals are tax and penalty-free.
  • Security and Stability:
    • Tangible Assets: Physical precious metals are tangible assets that you can see and touch. They have intrinsic value and are not subject to the same risks as paper assets.
    • Safe-Haven Investment: Precious metals are often viewed as safe-haven investments during times of economic uncertainty, political instability, or currency devaluation.

vault metal qualified retirement accounts

Below are the types of retirement accounts that Vault Metal works with.

Contribution Limits: Contribute up to $6,500 annually, or $7,500 if 50 or older.

Tax Benefits: Contributions are tax-deductible, and investments grow tax-deferred.

Withdrawals: Early withdrawals incur a 10% penalty plus income tax.

Income Limits: Varies based on income and filing status.

Contribution Limits: $6,500 or $7,500 if 50+ using post-tax income.

Tax Benefits: Withdrawals and growth are tax-free if conditions are met.

Withdrawals: Tax-free after 59½ and 5-year account age.

Contribution limits vary by income. Check latest IRS guidance.

Eligibility: Employers or self-employed individuals.

Tax Benefits: Contributions are tax-deductible.

Limits: Up to 25% of income, max $66,000 (2024).

Rollovers: Allowed into Traditional or SEP IRAs.

Eligibility: For small employers and self-employed.

Tax Benefits: Contributions are tax-deductible.

Transfer Rules: 2-year holding period before rollover.

Eligibility: For-profit company employees.

Tax Benefits: Contributions reduce taxable income.

Rollovers: Allowed if over 59½ or separated from employer.

Eligibility: Non-profit organization employees.

Tax Benefits: Contributions reduce taxable income.

Rollovers: Similar to 401k, allowed when separated or over 59½.

Eligibility: Government and municipality employees.

Tax Benefits: Pre-tax deferrals reduce income.

Withdrawals: No 10% early penalty. Subject to income tax.

Contribution: Pre-tax salary deductions.

Tax Benefits: Grows tax-deferred until withdrawal.

Employer Contributions: Also allowed.

Withdrawals: Taxed as income.

Eligibility: Federal government employees.

Withdrawal: Must be 59½ or separated from service.

Forms: Special TSP rollover forms required.

HOW TO FUND YOUR PRECIOUS METALS IRA

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DIRECT TRANSFER

  • Instruct your current IRA trustee to transfer funds directly to a new IRA account.
  • This transfer is tax-free, penalty-free, and has no limit on the number of transfers.
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ROLLOVER

  • Withdraw funds from one retirement plan and contribute them to a new IRA within 60 days
  • This process is tax-free and penalty-free but typically allowed only once per year per account.
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CONTRIBUTION

  • For 2025, the annual contribution limit for Roth and Traditional IRAs is $6,500 ($7,500 if you're 50 or older). SEP IRAs allow contributions up to 25% of earned income or $66,000, whichever is less. Exceptions apply.
  1. Talk to a Specialist: Speak with Vault Metal's IRA and Precious Metals Specialists to understand your options and get personalized guidance. Give us a call at(877) 330-3228to talk to a Specialist today!
  2. Open Your Account: Complete the necessary forms to establish your Precious Metals IRA with an IRS-approved custodian.
  3. Fund Your Account: Transfer funds from an existing retirement account or make new contributions, following IRS guidelines.
  4. IRA Rollover Assistance: Vault Metal assists you in rolling over your existing IRA or 401(k) into a Precious Metals IRA, ensuring a seamless and tax-penalty-free process.
  5. Select and Purchase Metals: Choose from IRS-approved precious metals like gold, silver, platinum, or palladium. Work with Vault Metal and your custodian to purchase and store the metals in an IRS-approved depository.
  6. Storage and Security: Ensure that the purchased metals are securely stored in an IRS-approved depository, where they are insured and protected.

SECURE YOUR TOMORROW TODAY AND GET STARTED NOW

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