Three lines. Read all of them.
A Gold IRA requires a custodian and an approved depository. Those third parties charge annual account and storage fees. The dealer price gap is separate: it is the distance between spot and the finished product price.
Buyback terms are the third line. When you sell, the price rests on the current market bid, not the original purchase price.
- Custodian and storage charges should be listed before funding
- The product margin should be shown product by product
- Buyback terms should be written before purchase
- Statement melt value may differ from purchase price on day one
The price gap determines the break-even move
If spot is $4,320 and a gold coin is priced at $4,536, the dealer price gap is $216, or roughly 5 percent. Gold would need to rise about 5 percent before that coin breaks even before any other account costs.
Standard bullion bars often carry lower gaps than government coins. Non-bullion collector coins can carry far wider gaps and should be treated as a different purchase.
- Bars often carry lower product premiums
- Sovereign coins may cost more but improve recognition
- Non-bullion coins can extend the break-even timeline
- The written quote should name the specific product and gap
Ask for the whole cost picture
The rollover mechanics and rule sheet are separate from the cost schedule. Review both before moving retirement capital.