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Frequently Asked Questions About Gold IRAs
What is a Gold IRA rollover?
A Gold IRA rollover lets you move funds from an existing retirement account — such as a 401(k), IRA, or TSP — into a self-directed IRA backed by physical gold and silver. This process is tax-free and penalty-free when done correctly. Instead of paper assets tied to Wall Street, your savings are converted into tangible metals that hold value through every market cycle.
At Everlasting Wealth, our specialists handle every step, ensuring your rollover is fast, compliant, and seamless.
What kind of gold can I hold in a Gold IRA?
The IRS only allows specific IRA-approved gold and silver products inside a retirement account.
Some eligible options include:
Gold and Silver American Eagles
Canadian Maple Leafs
Gold and Silver Bars with a fineness of 0.995 or higher
Collectible or numismatic coins are not allowed. We’ll help you select from trusted, government-minted products that meet all IRS standards for purity and eligibility.
How much can I contribute to a Gold IRA?
A Gold IRA rollover lets you move funds from an existing retirement account — such as a 401(k), IRA, or TSP — into a self-directed IRA backed by physical gold and silver. This process is tax-free and penalty-free when done correctly. Instead of paper assets tied to Wall Street, your savings are converted into tangible metals that hold value through every market cycle.
At Everlasting Wealth, our specialists handle every step, ensuring your rollover is fast, compliant, and seamless.
For 2025, the annual contribution limit is $7,000, or $8,000 if you’re age 50 or older.
If you’re rolling over funds from an existing account, there’s no maximum limit — you can transfer as much as you’d like, tax-free.
Our team will help you determine the right structure for your rollover or contribution based on your retirement goals.
How does a Gold IRA protect against inflation and volatility?
Gold is one of the few assets that has preserved purchasing power for centuries. While paper currencies lose value through inflation, gold tends to rise in value as the dollar weakens.
It also acts as a hedge against market turbulence — historically performing well when stocks or bonds decline.
That’s why investors use a Gold IRA as an anchor of stability during uncertain economic times.
Are there storage or setup fees for a Gold IRA?
Yes. Because the IRS requires your metals to be held in a secure, approved depository, small annual storage and custodian fees apply.
At Everlasting Wealth, we partner only with IRS-approved vaults and trusted custodians who provide full insurance, transparency, and competitive pricing.
All costs are disclosed upfront, with no hidden fees or surprise charges.
When can I take distributions from my Gold IRA?
You can begin taking withdrawals from your Gold IRA at age 59½, just like any other IRA.
If you take funds out earlier, you may face IRS penalties. Required Minimum Distributions (RMDs) start at age 72.
When it’s time to withdraw, you can choose to receive your physical metals or liquidate them for cash — whichever suits your needs.
Why is diversification important in a Gold IRA?
Diversification reduces risk and smooths volatility. Even though gold is a safe-haven asset, it’s wise to own a mix of precious metals like gold, silver, platinum, and palladium.
Each metal behaves differently in various market conditions, offering additional balance and opportunity.
Our specialists help you build a well-rounded portfolio that fits your long-term goals and personal risk tolerance.
What are the tax benefits of a Gold IRA?
A Gold IRA carries the same powerful tax advantages as any traditional or Roth IRA:
Traditional Gold IRA: Your gains grow tax-deferred until you take distributions.
Roth Gold IRA: Withdrawals can be completely tax-free in retirement.
This structure allows your precious metals to grow in value over time — without annual tax obligations eating into your compounding returns.
We always recommend consulting a licensed tax advisor to understand how a Gold IRA fits into your overall strategy.
How do I know my metals are safe?
Your physical gold and silver are stored in fully insured, IRS-approved depositories under your name and IRA account.
You’ll receive documentation, online access, and full transparency regarding your holdings.
At Everlasting Wealth, security and integrity come first — your metals are always safe, verifiable, and 100% yours.
How do I get started?
Starting a Gold IRA with Everlasting Wealth is simple.
You can roll over an existing retirement account or open a new self-directed IRA in just a few minutes.
Our team will guide you through the entire process — from paperwork to selecting metals and arranging secure storage — so you can start protecting your future with confidence.
Begin your Gold IRA today and discover the peace of mind that comes from owning something real.