The costs of a gold IRA generally fall into three groups: the dealer’s markup over spot, custodian account fees, and storage. None of them are hidden, but each is set by a different party, so it pays to know what you are agreeing to before you fund an account.
Coins and bars are priced above the live spot price of the metal. How far above varies with the product, its size, and whether it is bullion or a collector piece. Ask for the all-in price in writing before you commit.
An IRA cannot hold the metals itself; under 26 U.S.C. §408 a qualified custodian must hold the account, and IRS rules limit which coins and bars are eligible. Custodians charge their own setup, annual and storage fees — ask any custodian for its published fee schedule before you open an account, and ask whether storage is commingled or segregated.
For the storage rules themselves, see gold IRA storage rules.
Elite Coin Group is a coin dealer. We are not an IRA custodian, tax adviser, or financial adviser, and nothing on this site is tax or investment advice. For the rules in one place, read Self-Directed Precious Metals IRA: Rules, Fees & Risks and our investment guide.
Our own policies — pricing, returns, market-loss handling — are published in full at Customer Disclosures. Coins and sets without a listed price are available by phone at 888-369-2950 or through the contact page.
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