Gold IRA Questions To Ask Before Investing
Use this due-diligence checklist before opening a precious-metals IRA or choosing a dealer.
Key Takeaways
- Ask about the account, dealer transaction and storage as separate cost centers.
- Request actual dollar pricing for the exact metal, not only percentages or broad fee claims.
- Know how you will sell or distribute the asset before you buy it.
Account Questions
Who is the custodian? What are setup, annual, transaction, wire, distribution and closure fees? Which depositories are supported? How long do transfers and distributions normally take?
Dealer Questions
What exact product am I buying? What is today's total purchase price? What is your current repurchase price for the same product? Is any promotion reflected elsewhere in pricing or subject to conditions?
Storage Questions
Where will the metal be held? How are holdings recorded? What does segregated mean under the actual agreement? What insurance applies and who is the insured party?
Exit Questions
How do I sell? Am I required to sell to the original dealer? How is a bid determined? How long does settlement take? What are the procedures and fees for an in-kind distribution?
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Get The Free Wealth Protection Kit →Frequently Asked Questions
Should I Ask For Everything In Writing?
Yes. Written fee schedules, trade confirmations, custody agreements and storage terms are more useful than verbal summaries.
Is A Buyback Promise Enough?
No. Ask how pricing is determined, whether repurchase is guaranteed, and what conditions or fees apply.
Related Guides
Editorial note: Tax rules and provider terms can change. Time-sensitive claims are reviewed against primary government or first-party provider sources before publication.