Is Goldco the Right Fit for Your Precious Metals IRA?

About Goldco

Goldco has offered precious metals IRAs since 2006. Its listing on this page shows a $25,000 minimum, a 10% complimentary silver bonus for qualifying new accounts, and a guaranteed buyback program.

Goldco's Buyback Program: Questions to Ask Before You Buy

Goldco's headline feature on this site is its buyback program, labeled "Best Buyback Program" and described as guaranteed. A buyback policy matters on the day you sell, so test it before you buy.

• Ask whether the buyback price follows the live spot price or a fixed schedule.
• Ask for the spread: the difference between the price you pay at purchase and the price Goldco would pay for the same product.
• Ask whether the buyback covers every product, including silver you receive in a promotion.
• Ask how long settlement takes and who pays for shipping from the depository.
• Ask for the policy in writing, with a date on it.

A buyback guarantee protects your ability to sell. It does not guarantee a profit or a particular price.

Ratings & Reputation

Here's how Goldco scores across major consumer protection platforms:

Why Choose Goldco?

Expert Guidance

Goldco's team of specialists provides personalized guidance without pressure tactics. They listen to your goals and tailor solutions to fit your retirement strategy.

Education First Approach

The website offers comprehensive resources in plain English, from introductory guides to IRA eligibility basics, helping you make informed decisions.

Buyback Guarantee

Goldco maintains a robust buyback policy, helping clients liquidate eligible metals at competitive rates if circumstances change.

Pros & Cons

The 10% Silver Bonus: How to Evaluate It

Goldco lists a 10% complimentary silver bonus, and its pros mention promotional silver for qualifying new accounts. The word to examine is "qualifying".

• What purchase size or account balance qualifies?
• Is the 10% calculated on the amount you roll over or on the metal you buy?
• Does the bonus silver go into the IRA? Silver held in an IRA must be at least 99.9% pure, and the bonus has to meet that standard to be stored there.
• What price do you pay for the metal that earns the bonus? Free silver on top of a high premium is not free.
• How does it compare with American Hartford Gold's silver promotion, listed here as worth up to $15,000? Ask both companies the same questions.

Getting Started with Goldco

A Script for the Pricing Call

The cons on this page say Goldco usually gives detailed pricing only after you speak with a representative, and that custodian and storage fee specifics may not be immediately visible. That makes the first call your fee audit. Bring this list.

1. State the amount you plan to roll over and ask for a written quote, not a verbal estimate.
2. Ask which custodian Goldco works with and request that custodian's own fee schedule.
3. Ask which depository will hold the metal and whether storage is segregated or commingled.
4. Ask for the dealer premium over spot on each product.
5. Ask how long the quote stays valid if the market moves before you fund.
6. Wait a day before you sign. A legitimate offer will still be there.

Goldco's $25,000 minimum is the second highest of the five. If your account is smaller, Birch Gold Group and American Hartford Gold list $10,000, and Noble Gold lists $20,000.

What Customers Say

Frequently Asked Questions