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The Best Gold Investment Companies in 2021 Reviewed

September 5, 2021


Some of the links in this article are from sponsors. The list below is an honest review gathered from thorough research, experience, and consumer-based feedback. 

Deciding what to do with your retirement, in times of economic crisis and instability in the U.S. dollar, is tough. 

With the state of the economy and inflation continuing to rise, seeking out diversification in other assets is vital; gold and other precious metals are a reliable, tried and true place to start.


Through hours of research and personal experience, I compiled a list of the best gold IRA companies on the market. This list pertains to both retirees as well as investors, too.

Best Overall

5/5 Rating

Our Top Gold IRA Investment Company Picks

If you've invested your savings before, you're most likely familiar with 401Ks, life insurance plans, Traditional IRAs, Roth IRAs, and even SEP IRAs as go-to methods of security.

 
The gold IRA, however, is a more taboo topic that not many people have a good grasp on.

Below I take you through:

  • What is a Gold IRA?
  • What are the best Gold IRA companies?
  • Is investing in a Gold IRA worth it?
  • Are precious metals a volatile investment?
  • Is investing in gold recommended?

We are used to investments strictly in the US dollar or stock market, but relying on a fiat currency and its role in stocks, especially in this global and political climate, is extremely unstable. 

In this article, however, we explain the ins and outs of gold investing and the most secure way to get started.

The Best Gold IRA Companies for 2021

#1

#1: Goldco- Our Top Recommendation

   9.9/10

  • Competitive fees
  • No penalties
  • 15 years in business
  • Awesome customer service team
  • Physical products offered
#2

#2: Augusta Precious Metals - Best Pricing

   9.8/10

  • 4 specialized customer service teams
  • A legal team to handle your paperwork
  • Best pricing
  • Terrific client feedback
  • First year free of fees
#3

#3: Birch Gold

   9.7/10

  • Low minimum investment
  • diverse offering of products
  • Market & financial portfolio updates
  • Customer service offered to your level of expertise or lack thereof
#4

#4: Regal Assets

   9.4/10

  • Online account setup
  • Great fee rates
  • Wide product array including crypto assets
  • 100% insured investment
#5

#5: Noble Gold

   9.3/10

  • Free delivery anywhere in the world if needed
  • Buyback program offered
  • Quick and easy account setup

Let's Get Into the Details of These Contenders....

1. Goldco- Best Overall Company

Goldco Precious Metals specializes in self-directed gold IRAs along with direct purchases of physical gold.
Founded in 2006, it is one of the more seasoned gold investment companies; they have years of experience and tremendous client feedback.
Once you get started with Goldco, you get an account executive to walk you through the IRA process while ensuring you meet your investment goals.
The BBB has awarded Goldco with an A+ rating and, as a private business, was also named one of the fastest-growing companies in the U.S. by Inc. 500.

Goldco Pros & Cons

Pros

  • No additional fees or hidden penalties
  • Highest rated on the market
  • Many years of experience 

Cons

  • No direct sales
  • To get started you must first sign up through this link:
    Link Here

2. Augusta Precious Metals- Best Pricing

Founded in 2012, Augusta Precious Metals has since delivered education-centric investment opportunities to ensure you go down the right path with your money.

They protect your savings as if they were their own, and treat their clientele with the highest level of customer service.
Augusta Precious Metals is a celebrity favorite, with Joe Montana as a big fan of the company.

They also tote very high ratings on Facebook, the National Ethics Association, Google, and the BBB.


Augusta has 4 different client-devoted departments in their company: a customer success agent, a legal team, an order desk, and an economic analytics team who all work together to deliver you the best offer with easily digestible knowledge along with.

 
Their legal team takes on 95% of the legal paperwork, from transfers to rollover forms, to rid you of any confusion or doubt in your actions.

Augusta Pros & Cons

Pros

  • Phone and web chat options for communication with your agents
  • No fees your first year
  • 4 customer success departments

Cons

  • Online ordering not available
  • $50k IRA minimum, and $25k cash purchase minimum


3. Birch Gold Group

Birch Gold Group aims to empower its clients to meet their personal investing goals. They have a solid customer service department, tons of educational resources, and a transparent approach so the client knows what's happening 100% of the time.

 
Since 2003, Birch has maintained a great reputation and works with the likes of Ben Shapiro and other celebrity clients.

They have high BBB ratings, as well as Google and Consumer Affairs.
Their specialists are free to chat and explain the latest stock market information, changes, and how that applies to your IRA.

 
Birch's entire process is designed to empower their clients with the knowledge to make their own decisions and be confident in them.

Birch Gold Pros & Cons

Pros

  • Dialed in one-on-one communication
  • Extensive precious metal IRA options
  • Market updates

Cons

  • high fees and setup costs

4. Noble Gold Investments

Noble Gold Investments is based in Pasadena, CA, and makes investing in gold a breeze.

They protect your future with their personal depository in Texas that stores your bullion.
The International Depository Services is where your gold is stored, but you also have the option to get a "survival pack" delivered to your home or office, or you can pick it up yourself.

 
Another company with high ratings from the BBB, Business Consumer Alliance, and more which makes them one of the top gold IRA companies out there. They have a trustworthy reputation and make it a point to educate their clients on the ins and outs of gold IRAs.

Noble Gold Pros & Cons

Pros

  • Start the gold IRA process within minutes
  • Offers a buy-back program
  • Education guide that educated you on protecting your savings

Cons

  • A new company
  • Email required before startup, no direct communication

5. Regal Assets

Regal Assets has been around for about 10 years and has one of the best-rated profiles on the market, so naming them one of the top gold IRA investment choices is client-awarded.

 
What sets Regal Assets apart from the rest is the option of segregated metal storage at no extra fee. This means no shared ownership of your storage unit.

 
As a Regal Assets client, you also get free delivery to your door, anywhere in the world!
Another rarity is the flat rate for your account's life, not a percentage of your investment like other companies have.

Regal Assets Pros & Cons

Pros

  • Free delivery anywhere
  • Flat $250/year fee
  • Private segregated storage completely in your name

Cons

  • Gold prices can be above average
  • $5,000 minimum

What is a Gold IRA?

There are two components to this: an IRA and gold.

 
Gold is a precious metal that has been used as a secure investment for ages. It holds its value and is a commodity. Gold technically falls into the "investment diversify" category like real estate, or stocks, do.

 
Precious metals are a great hedge against inflation that comes with a fiat currency like the US dollar, which is thrown around and abused by politicians.

 
Precious metals are great because they're the actual commodity, whereas the U.S. dollar was once backed by gold, the commodity, but no longer is. It is literally backed by nothing but the government's word who issues it.

 
A great way to compare the US dollar and gold is by looking at their value in history.
in 1970, gold was priced at $35 per ounce. in 2021, gold is now at $1,800 per ounce.

 
If you had $35 in cash in 1970, it is still the same $35, but with MUCH less buying power it once had thanks to inflation.

 
Obviously more goes into the comparison than just their value changes in the last 50 years, but it gives you some good insight into which way both gold and the dollar are headed.

Now let's talk about what an IRA is.
IRA stands for "Individual Retirement Account"

 
Traditional IRAs are great because they take your pre-tax funds and invest them into your retirement. Then your account grows without any capital gains or dividends slapped on it.
The income tax comes later when you withdraw your money from the IRA.

 
A Roth IRA is similar to the Traditional IRA, but it only can hold stocks and bonds or cash.

 
Combining all of the concepts above, we get a Gold IRA, which is a gold-backed individual retirement account.

This can be made up of gold bars and coins, or different precious metals. The "traditional" approach is an IRA backed by stocks and bonds.

 
Your gold IRA account can also be set up with post and pre-tax income.

Goldco- Our #1 Choice for Gold IRA Investing

Get Their Free Info Kit Below

What to Know Before Gold IRA Investing

Gold IRAs come with many small details you need to complete. 

A gold IRA is technically a self-directed IRA, which means specific rules made by the IRS need to be followed.

Gold IRA Investing Options


Before you begin gold IRA investing, you need to grasp what this does and does not include.

 
Along with gold, you can also invest in silver and platinum which are approved in the form of bullion bars and coins. 
The gold coins or bars you invest with need to meet the grade of 0.995 purity and up.


The IRS forbids any collectible investment with your precious metals IRA because they normally won't meet purity standards.

Along with physical gold investments, "paper" investments, as they're called, are also approved by the IRS.

Paper investments, also known as exchange-traded funds, or ETFs, include:
-Precious metal mutual funds
-Stocks in gold mining companies
-Precious metal commodity futures
-Gold commodity exchange-traded funds

Gold paper investments are just another way to take your diversification even further and are also a great option for those who are hesitant to put all of their investments into physical products, like gold bars and coins, alone.

Gold IRA Investment Rules

 
Just like any investment, the IRS has their noses deep in your business and slap a list of rules onto what you can and cannot do.


Administrator Regulations:

To get a gold IRA, you need to go through an IRS-approved precious metals administrator. 

Even though it is a self-directed IRA, administrators, custodians, and brokers need to take some action on your behalf. 


Gold IRA Storage

your precious metals need to be stored in IRS-approved vaults. 

Possession of these precious metals is considered a distribution, which is subject to penalties and taxes. Surprise! 


Gold Investment Tax Regulations

Taking your physical precious metals out of the vault (called a distribution) is subject to income tax once you withdrawal. 

Unless you have a predetermined exclusion, early distributions get a 10% levy tax slapped onto it. 


Contribution Limits

Gold IRAs have a contribution limit of $6,000/year and $7,000/year if you are over 50. 

It can be funded from a rollover or with a purchase made through the IRS-approved administrator. 


Age Limits

You can't withdraw your Gold IRA funds until you are 59.5, and you must take distributions of your funds once you hit 70. 


Early Withdrawal Exceptions

Although you usually will get a 10% tax on any early withdrawals, some exceptions include: 

  • IRA owner has to pay medical bills and doesn't have the funds
  • IRA owner dies and the beneficiary can get access to the funds
  • IRA owner loses employment
  • IRA owner wants to do a first-time home purchase (can take up to $10k)
  • IRA owner wants to fund a family member's education



Physical Precious Metals Storage Options

Gold is always at risk of being stolen, so having a safe depository is necessary, and, legally required. 


US Vaults:

  • -Brinks Security
  • Delaware Depository
  • CNT Depository
  • Delaware Depository
  • HSBC Bank USA
  • Scotia Mocatta
  • JP Morgan Chase Bank North America


Both US and Offshore Vaults are available to your choosing, but off-shore vaults have become increasingly popular because of the chance your metal be confiscated. 

This has happened in the US in the 1930s so hesitancy is very understandable. Seizures from places like Singapore or Dubai are much less likely. 


Off-Shore Vaults

  • -Brinks Security in London
  • -HSBC Bank USA in London, Singapore, Hong Kong, Zurich
  • -JPMorgan Chase Bank in Singapore and London
  • -Regal Assets in Singapore and Dubai
  • -Scotia Mocatta in Toronto

How to Get Started with Your Gold or Precious Metals IRA


Step 1:
Determine where the funds are coming from.
A rollover from an existing IRA/401(k), or a transfer?
If you're going with a rollover, you get the funds from the original account and deposit them into the new account for your gold IRA investment with a custodian.

This NEEDS to be done within 60 days, or the IRS considers it a withdrawal, which means you are charged a 10% tax if you're under the distribution age limit. 
One rollover is allowed per year.


If you're doing a transfer, the money goes straight from the old account into the new one.
You can make as many transfers as you'd like.
You can do both a rollover and a transfer from a 401(k), a Traditional IRA, a Roth IRA, or a 403(b) retirement plan.

Step 2:
Choose your gold IRA custodian and specific strategy.

 
We listed our favorites above, and I would personally go with either
Goldco or Augusta. They are two of the top gold investment companies you can work with; whichever you choose, consider it a win.

 
We usually see an average of 10% to 15% portfolio investment going to gold IRAs, but with the status of the US and its dollar, more is acceptable.

Step 3:
Make your purchase!

Don't make the mistake of going with a local dealer in your area. Go with a well-rounded, experienced, and nationally trusted dealer online.

 
This gets you lower markups, better quality service, and a better overall experience and investment.
Just like custodians, look for IRA-approved dealers that have great ratings, client feedback, and a stellar reputation.

Getting in with a quality gold dealer is almost as important as working with a top gold investment company; they go hand in hand and each serve their own purpose.

Is Investing in a Gold IRA Worth it?

Diversifying your portfolio has always been a good idea, but now more than ever, keeping all your assets in the US dollar is a surefire way to lose your purchasing power and the level of wealth you have today.


Inflation is higher than ever, and as of today, September 5, 2021, things have never looked worse for the United States dollar.

Do yourself a favor and take control of your hard-earned retirement. Don't let these politicians control the trajectory of you and your family's future.

Finding the best company to invest in gold with is the first part, but following through is necessary. 

 Get in contact with one of the best gold IRA investment companies on the market and secure your retirement today!

Goldco Precious Metals

Goldco is the leading provider of Gold and other precious metal IRAs. They offer exceptional customer service and diversification options for their clients.

We hope this article pointed you in the right direction to compare the top gold IRA investment companies while deciphering which is the best for you to invest in gold with.

Secure your savings and future with one of the longest-standing commodities of all time.