Invest in Gold, Silver, Platinum & Palladium Inside Your IRA

Diversify your retirement with physical precious metals. A Precious Metals IRA gives you access to all four IRS-approved metals in a single tax-advantaged account.

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Precious Metals IRA Explained

What Is a Precious Metals IRA?

A Precious Metals IRA is a self-directed individual retirement account that holds physical gold, silver, platinum, and palladium instead of traditional paper assets like stocks, bonds, and mutual funds.

Unlike a standard IRA where your investment options are limited to securities, a Precious Metals IRA gives you direct ownership of tangible assets. The IRS authorizes four specific precious metals for IRA inclusion under IRC Section 408(m)(3): gold, silver, platinum, and palladium. Each must meet strict purity requirements.

Key Advantage

A Precious Metals IRA allows you to hold multiple metals within a single account, each of which may respond differently to broader economic conditions. Gold has historically been viewed as a hedge against inflation. Silver has often been associated with industrial demand trends. Platinum has been influenced by developments in emerging technologies such as hydrogen. Palladium has been impacted by supply and demand dynamics.

Four IRS-Approved Metals

IRA-Eligible Precious Metals & Purity Requirements

.995 FINE

Gold

Popular: Eagle, Maple Leaf, Buffalo, Bars

Learn more about Gold IRAs →

.999 FINE

Silver

Popular: Eagle, Maple Leaf, Philharmonic, Bars

Learn more about Silver IRAs →

.9995 FINE

Platinum

Popular: Eagle, Maple Leaf, Bars

Learn more about Platinum →

.9995 FINE

Palladium

Popular: Maple Leaf, Bars

Learn more about Palladium →

Gold: The Foundation of Any Precious Metals IRA

Gold is the most popular choice for PM IRA investors. It has maintained purchasing power across millennia and serves as the primary hedge against inflation, currency devaluation, and financial instability. From 2000 to 2025, gold appreciated roughly 980%. Central banks worldwide have been net buyers since 2010.

Read the Complete Gold IRA Guide →

Silver: The Dual-Demand Metal

Silver functions both as a monetary metal and an industrial metal. Roughly 50% of annual demand comes from industrial applications including solar panels, electronics, and medical devices. Silver is more volatile than gold but tends to outperform on a percentage basis during bull markets. The gold-to-silver ratio (currently ~90:1 vs historical ~60:1) suggests undervaluation.

Read the Complete Silver IRA Guide →

Platinum: The Rarest of the Four

Platinum is approximately 30 times rarer than gold. Annual mine production is roughly 6 million ounces compared to 100 million for gold. Over 70% of supply comes from South Africa. Demand is driven by automotive catalytic converters, jewelry, and increasingly hydrogen fuel cell technology.

Palladium: The Supply-Constrained Performer

Palladium appreciated over 300% from 2016 to 2022. Over 80% of demand comes from gasoline vehicle catalytic converters. Russia and South Africa produce 75%+ of supply. The metal operates in a persistent supply deficit, supporting long-term price strength.

Side-by-Side Comparison

Compare All Four Precious Metals

AttributeGoldSilverPlatinumPalladium
IRS Purity Req..995.999.9995.9995
Price Range (indicative, subject to change)~$2,900/oz~$33/oz~$1,010/oz~$950/oz
Primary DemandMonetary / Central BanksIndustrial + MonetaryAutomotive / HydrogenAutomotive / Catalysts
VolatilityLowMedium-HighMediumHigh
Supply ConcentrationGlobalMexico, Peru, ChinaSouth Africa (70%+)Russia, S. Africa (75%+)
Inflation HedgeStrongStrongModerateModerate
Best ForWealth preservationGrowth + value entryUndervalued opportunitySupply deficit play

Custodians & Storage

How Your Precious Metals Are Stored

IRS regulations require all IRA precious metals to be held at an approved depository. Cedar Gold Group partners with three of the most trusted vaults in the country.
Delaware
Depository

Wilmington, DE

An Exchange-approved precious metals depository offering secure custody and storage solutions. Operates Class 3 vaults with full all-risk insurance coverage through London underwriters.

Texas Precious Metals Depository

Shiner, TX

A state-administered precious metals storage facility operating a Class III vault with segregated storage, continuous monitoring, and full all-risk insurance coverage through Lloyd’s of London.

International Depository Services

Multiple U.S. locations

A multi-location precious metals depository network providing segregated storage within Class III vault facilities. All holdings are maintained under strict custody controls with full insurance coverage through Lloyd’s of London.

Segregated Storage
Your metals stored separately. You receive the exact coins you purchased.
  • Individual designated vault space
  • Receive your exact coins back
  • Highest ownership assurance
Commingled Storage
Stored alongside other investors’ metals of same type and purity.
  • Lower cost, same metal value
  • Fully insured and IRS-compliant
  • Budget-friendly option

Free Download

Get Your Free Precious Metals IRA Guide

Compare all four metals, understand IRS rules, and learn how to protect your retirement with physical precious metals.
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Simple 4-Step Process

How to Roll Over Your 401(k) to a Precious Metals IRA

Transfer funds from an existing retirement account. When done correctly, the transfer is tax-free and penalty-free.

STEp 01

Existing Account

401(k), IRA, TSP, 403(b)

Existing Retirement Account

STEp 02

Cedar Gold Group

Coordinates the rollover process and documentation

Rollover coordination & setup

STEp 03

IRA Custodian

IRS-approved administrator managing account transfer

Custodial processing

STEp 04

Secure Depository

Insured storage for physical metals

Qualified storage facility

Rollover Types

Direct Rollover (Recommended)
Funds transfer directly from your current plan. No taxes withheld. No time limit.
Trustee-to-Trustee Transfer
Custodian sends funds directly to receiving custodian. Unlimited transfers per year.
60-Day Rollover (Caution)
You receive funds personally. 20% withheld for taxes. Must redeposit within 60 days.

Investment Benefits

Benefits of a Precious Metals IRA

Holding multiple precious metals creates layered protection against different economic threats.

Zero

Counterparty Risk

Physical assets with intrinsic value. No default risk.

IRA Growth

Tax-Advantaged Potential

Metals held within an IRA may benefit from tax-advantaged growth under applicable rules.

Supply Deficits

Structural Scarcity

Platinum and palladium operate in persistent supply deficits

4 Metals

Multi-Metal Diversification

Each metal responds to different economic forces for layered protection

+1500%

Gold Since 2000

Gold has risen from approximately $273/oz in 2000 to over $4,500/oz in recent levels.

50%+

Industrial Demand

Silver, platinum, palladium have growing industrial applications
1. Multi-Metal Diversification
Holding all four metals creates diversification within your alternative asset allocation. Gold protects during crises. Silver captures industrial growth. Platinum benefits from hydrogen economy expansion. Palladium profits from supply deficits.
2. Inflation and Currency Protection
All four precious metals have maintained purchasing power over long periods while the dollar has steadily declined. Since the Federal Reserve’s creation in 1913, the dollar has lost over 97% of its purchasing power.
3. Industrial Demand Growth
Silver is essential for solar panels and electronics. Platinum is critical for hydrogen fuel cells. Palladium is the primary catalyst in gasoline vehicles. As technology advances, demand for these metals is projected to increase.
4. Supply Constraints
Precious metals cannot be printed or created. Platinum production is concentrated in South Africa (70%+). Palladium comes primarily from Russia and South Africa. These geographic concentrations create supply vulnerability.
5. Tax-Advantaged Growth

Within a Traditional IRA, taxes are generally deferred until withdrawal. Roth IRA qualified withdrawals may be tax-free under IRS rules. Outside an IRA, precious metals may be subject to capital gains taxation under applicable tax rules.

Transparent Pricing

Precious Metals IRA Fees and Costs

PM IRA fees are flat-rate and typically lower than traditional advisor fees.
Fee TypeTypical RangeNotes
Account Setup$50 to $150One-time fee to establish your self-directed IRA
Annual Custodial Fee$75 to $300Covers account administration and IRS reporting
Annual Storage Fee$100 to $300Varies by depository and storage type
Transaction/Wire Fee$25 to $50Per-transaction fee for buying or selling metals

PM IRA Fees vs. Financial Advisor Fees

Traditional advisors charge 1%–2% AUM. PM IRA fees are flat-rate regardless of account size.

$100K Account

Advisor 1.5%

$1,500

Gold IRA

$500

Save $1,000/yr

$500K Account

Advisor 1.5%

$7,500

Gold IRA

$500

Save $7,000/yr

$1M Account

Advisor 1.5%

$15,000

Gold IRA

$500

Save $14,500/yr

Advisor fees based on 1.5% AUM annual fee. Gold IRA fees estimated at ~$500/yr. Actual fees vary by provider.

Learn More

Precious Metals IRA Resources

The Gold IRA Rollover Mistake That Costs Retirees Thousands

Roll over your 401(k) or IRA into a Gold IRA without penalties. Steps, custodians, eligible metals, fees explained. Free consultation
Read More >

401k to Gold IRA Rollover: Complete Step-by-Step Guide

Learn how to roll over your 401k to a gold IRA in 5 steps. Covers direct vs indirect rollovers, eligible
Read More >

Direct vs Indirect Rollover: Which Should You Choose?

Learn the difference between direct and indirect rollovers, the 20% withholding trap, 60-day deadline, one-per-year rule, and why direct is
Read More >

Frequently Asked Questions

Precious Metals IRA FAQ

What is a Precious Metals IRA?
A Precious Metals IRA is a self-directed individual retirement account that holds physical gold, silver, platinum, and/or palladium. It offers the same tax advantages as any traditional or Roth IRA, but with tangible assets instead of paper securities.
The IRS authorizes four precious metals for IRA inclusion: gold (.995 fine), silver (.999 fine), platinum (.9995 fine), and palladium (.9995 fine). The American Gold Eagle receives a special exemption at .9167 purity.
Contact Cedar Gold Group for a free consultation. We help you open a self-directed IRA with an approved custodian, fund it through a tax-free rollover or transfer, and select your metals. Most accounts are funded in 3 days.
Yes, you can hold gold, silver, platinum, and palladium all within a single self-directed IRA. This allows you to diversify across multiple metals based on your investment goals.
There is no IRS-mandated minimum. Most custodians recommend $25,000-$50,000 to make the annual fees cost-effective. Cedar Gold Group works with investors at various levels.
All IRA metals must be stored at an IRS-approved depository. Cedar Gold Group partners with Delaware Depository, Texas Precious Metals Depository, and International Depository Services.
No. PM IRA fees are flat-rate (typically ~$500/year total) regardless of account size. Traditional financial advisors charge 1-2% of assets under management, which is significantly more expensive for accounts over $50,000.
Yes. Direct rollovers from 401(k), 403(b), TSP, and existing IRAs are tax-free and penalty-free. Cedar Gold Group handles all coordination with your current plan administrator.

Why Thousands of Americans Choose Cedar Gold

Trust is earned through transparency, expertise, and results. Here’s what sets Cedar Gold apart.

2,500+

Families Served

$180M+

Assets Protected

4.9/5

Google Rating

A+

BBB Rating

A+ BBB Rating

Highest rating from the Better Business Bureau.

Official Miami Marlins Partner

Proud partner of Major League Baseball's Miami Marlins.

Olympic Gold Medalist Endorsement

Trusted by Olympic champion Bryan Clay.

Zero Liquidation Fees

No fees when you sell your metals back to us.

Top Buyback Guarantee

We buy back any product we sell at competitive market rates.

“Our mission is simple: help hardworking Americans protect what they’ve spent a lifetime building. We believe in education over salesmanship, transparency over pressure, and relationships over transactions.”
— Brett Bultje, CEO & Founder
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