IRA Rollover Calculator
Analyze your retirement account rollover options and discover how precious metals allocation can enhance your portfolio's diversification and inflation protection.
Why Consider a Precious Metals IRA?
Diversifying your retirement portfolio with precious metals offers unique benefits that complement traditional stock and bond investments.
Tax-Deferred Growth
Direct rollovers preserve your retirement account's tax-advantaged status, allowing your full balance to continue growing tax-deferred until withdrawal.
Avoid Penalties
Properly executed rollovers avoid early withdrawal penalties and immediate tax consequences, keeping more of your hard-earned retirement savings working for you.
Inflation Protection
Precious metals have historically served as an inflation hedge, potentially protecting your purchasing power during periods of currency debasement.
Portfolio Diversification
Adding precious metals reduces correlation with traditional stocks and bonds, potentially lowering overall portfolio volatility and risk.
Your Next Steps
After reviewing your calculator results, consider these next steps to move forward with your precious metals IRA strategy and retirement planning goals.
Review Your Results
Analyze how precious metals allocation might impact your retirement outlook
Consider different allocation percentages and scenarios
Consult a Specialist
Discuss your specific situation with a precious metals IRA expert
Schedule a complimentary consultation to review your options
Evaluate Your Current Plan
Compare your existing 401(k) options with IRA alternatives
Review fees, investment options, and rollover eligibility
Plan Your Rollover Strategy
Develop a systematic approach to implementing precious metals allocation
Consider timing, allocation, and implementation steps
Frequently Asked Questions
Common questions about IRA rollovers and precious metals investing
What is a Gold IRA?
A Gold IRA (Individual Retirement Account) is a self-directed IRA that allows you to hold IRS-approved precious metals (gold, silver, platinum, palladium) in your retirement account. It offers the same tax advantages as traditional IRAs while providing portfolio diversification through physical precious metals holdings.
What is a direct IRA rollover?
A direct rollover moves funds from your employer-sponsored retirement plan (like a 401(k)) directly to an IRA without you taking possession of the funds. This avoids immediate taxation and penalties.
Can I roll over my 401(k) to a Precious Metals IRA?
Yes, you can roll over funds from a 401(k), 403(b), TSP, or traditional IRA into a self-directed IRA that holds IRS-approved precious metals like gold and silver.
What are the tax implications?
Direct rollovers are not taxable events. The funds remain tax-deferred until you take distributions in retirement. Withdrawing funds instead of rolling them over triggers immediate taxation and potentially a 10% early withdrawal penalty if you're under 59½.
How much should I allocate to precious metals?
Allocation percentages vary based on individual circumstances including age, risk tolerance, and retirement timeline. We encourage you to consult with your financial advisor to determine an appropriate allocation for your specific situation. For educational purposes only - not personalized investment advice.
What precious metals are IRA-eligible?
IRS-approved metals include gold (99.5% purity), silver (99.9%), platinum (99.95%), and palladium (99.95%). Approved products include certain coins and bars from recognized mints.
Where are the metals stored?
IRA precious metals must be stored in an IRS-approved depository. You cannot take personal possession while the metals remain in your IRA. Storage fees typically range from 0.5-1% annually.
Ready to Protect Your Retirement?
Our precious metals IRA specialists can help you understand your options and develop a strategy tailored to your retirement goals.