IRA & Retirement

Protect Your Retirement with Precious Metals

Open a self-directed Precious Metals IRA and diversify your retirement portfolio with physical gold, silver, platinum, and palladium — all tax-advantaged and fully insured.

$0
Setup Fee
Free to open
$75
Annual Custodian
Flat fee
0.5%
Storage
Of account value
5–10 days
Rollover Time
Tax-free

Choose Your IRA Type

Traditional IRA

Tax-deductible contributions with tax-deferred growth. Ideal for investors who expect to be in a lower tax bracket during retirement.

Tax-deductible contributions

Roth IRA

After-tax contributions with tax-free growth and withdrawals. Perfect for investors who expect higher taxes in retirement.

Tax-free withdrawals

SEP IRA

Designed for self-employed individuals and small business owners. Higher contribution limits than traditional or Roth IRAs.

Higher contribution limits

Rollover IRA

Transfer funds from an existing 401(k), 403(b), or other retirement account into a precious metals IRA — tax-free and penalty-free.

No tax penalties on transfer

How It Works

01

Open Your IRA

Complete a simple application. Choose Traditional, Roth, SEP, or Rollover IRA. Our team handles all custodian paperwork.

02

Fund Your Account

Transfer from an existing retirement account (tax-free rollover), make a new contribution, or both. We guide you through every option.

03

Select Your Metals

Choose from IRS-approved gold, silver, platinum, and palladium products. Our advisors can recommend allocations based on your goals.

04

Secure Storage

Your metals are shipped to an IRS-approved depository and stored in segregated, fully insured vaults. You receive regular statements and can view holdings anytime.

Why a Precious Metals IRA?

Inflation Protection

Precious metals have historically preserved purchasing power during inflationary periods, protecting your retirement savings from currency devaluation.

Portfolio Diversification

Gold and silver have low correlation with stocks and bonds. Adding metals to your IRA reduces overall portfolio risk and volatility.

Tax-Advantaged Growth

Your precious metals grow tax-deferred (Traditional) or tax-free (Roth) inside your IRA. No capital gains tax on trades within the account.

IRS-Approved Storage

All IRA metals are stored in IRS-approved, fully insured depositories. Segregated storage ensures your metals are individually allocated.

No Hidden Fees

Transparent annual custodian and storage fees. No setup fees, no transaction markups beyond our standard trading spreads.

Expert Guidance

Our IRA specialists and certified financial advisors guide you through every step — from account setup to metal selection and rebalancing.

IRS-Approved Metals

Only certain metals meet IRS purity requirements for inclusion in a self-directed IRA.

Gold

American Eagle, Canadian Maple Leaf, Gold Bars (99.5%+ purity)

Silver

American Eagle, Canadian Maple Leaf, Silver Bars (99.9%+ purity)

Platinum

American Eagle, Canadian Maple Leaf, Platinum Bars (99.95%+ purity)

Palladium

Canadian Maple Leaf, Palladium Bars (99.95%+ purity)

Frequently Asked Questions

What is the minimum to open a Precious Metals IRA?+
There is no minimum account balance to open an IRA with MintTrade. However, most custodians require a minimum initial purchase of $5,000–$10,000 in metals.
How long does a rollover take?+
A direct rollover typically takes 5–10 business days. Our team handles all the paperwork and coordinates directly with your current custodian to ensure a smooth, tax-free transfer.
Are there annual fees?+
Yes — a flat annual custodian fee of $75 and a storage fee based on your account value (typically 0.5% annually). No setup fees, no transaction fees beyond standard trading spreads.
Can I take physical delivery of my IRA metals?+
Yes, but it's considered a distribution and may trigger taxes and penalties if you're under 59½. After that age, you can request physical delivery at any time.
What happens when I reach retirement age?+
At 59½, you can take distributions in cash or physical metal without early withdrawal penalties. Required minimum distributions (RMDs) begin at age 73 for Traditional IRAs.
Is my IRA insured?+
Yes. All metals in your IRA are stored in fully insured, IRS-approved depositories. Insurance covers theft, damage, and natural disasters up to the full market value of your holdings.

Start Protecting Your Retirement Today

Our IRA specialists are ready to help you set up your account, roll over existing funds, and build a precious metals portfolio tailored to your retirement goals.