Self Directed IRA

The Self Directed IRA is a
Great Investment Option

The Self Directed IRA is key to control over personal investments. It is also the optimal vehicle for investing in precious metals such as gold, silver, platinum and palladium. You can rollover or transfer your current IRA to a self directed IRA.

A Self Directed IRA is controlled by you the individual investor. Just as with a traditional IRA, however, the Self Directed IRA limits how much an individual may put in it annually and how much he may withdraw, too. To receive funds without penalty, you must reach the age of 59 ½ (the Roth IRA also requires that the account has been open for at least five years).

As the term “self-directed” implies, financial risk is the sole responsibility of the investor because he is the one who is choosing and managing where he places his money. While this poses real risk, there is also real freedom for the investor to diversify his money without being constrained by the rules common to other kinds of long-term accounts such as the employer-based 401K. In addition, an investor may have the Self Directed IRA along with other types of IRAs in his/her portfolio.

Self Directed IRA Limitations

There are some limitations on the Self Directed IRA. Internal Revenue Code Section 408 prohibits certain IRA investments. Just as with other IRAs, the self-directed type excludes insurance investments, collectibles and S corporation stocks. Also, the federal government does limit how much a person may deposit into any IRA within the course of a year.

In spite of those limitations, there are no restrictions on the amount of money that may be earned inside the investment vehicle itself. Moreover, the Self Directed IRA has much more in the way of speculative potential than most any other retirement vehicle.


Plan Type Sponsorship 2018 Contribution Limit Roth Option? Allow Gold Stocks? Allow Gold ETFs? Allow Gold Bullion
401(k) Private Employer $18,500 / $55,000 Yes Maybe Maybe No
Solo 401(k) Self-employed $18,500 / $55,000 Yes Yes Yes Yes
Keogh Plan Self-employed or Unincorporated Employer $55,000 No Maybe Maybe No
403(b) Government or Non-profit Employer $18,500 / $55,000 Yes Maybe Maybe No
457(b) Government or Tax-exempt Employer $18,500 / $55,000 Yes Maybe Maybe No
Simple IRA Private Employer $12,500 / $55,000 Yes Yes Yes Maybe
SEP IRA Business Owners & Self-employed $55,000 Yes Yes Yes Maybe
Profit Sharing Plan Private Employer $55,000 No Maybe No No
Money Purchase Plan Private Employer $55,000 No Maybe Maybe No
Annuity Individual None No Maybe Maybe No
ESOP Private Employer Varies Yes Maybe No No
SARSEP Private Employer $55,000 No Yes Yes Maybe
Self Directed IRA Individual $5,500 / $6,500 Yes Yes Yes Yes
Traditional IRA Individual $5,500 / $6,500 Yes Yes Yes No
Precious Metals IRA Individual $5,500 / $6,500 Yes Yes Yes Yes
Thrift Savings Plan (TSP) Government or Military $5,500 No No No No

What, then, is the relationship between the Self Directed IRA and Gold? According to federal regulations, individuals must not make investments that “benefit themselves.” Gold bullion may not be purchased with a personal check, and in some cases, the purchase has to be made via a trustee to trustee transfer.

Owners of IRAs must have a gold depository which is approved by the Internal Revenue Service, and it must be set up and ready to take the bullion before any payments are made. Also, the investor should pay strict attention to any fees the depository charges.

When the gold seller sends an invoice to the IRA owner, the owner has to give authorization for payment to be made through the custodian. Physical gold may take 3 weeks to arrive, but some companies, such as Regal Assets, may deliver bullion or coins within 7 days.

There are IRA investors who put their resources into  gold mining stock or into funds that are exchange-traded. The majority of IRA custodians advise their customers to take these routes.

It is important to note that gold investments through Electronic Transfer of Funds or ETFs and through gold mining stocks are not as advantageous as actually owning physical gold. The best way to invest in gold and protect an Individual Retirement Account is through buying physical gold bullion bars and gold coins. They can be stored by a custodian or may be shipped directly to the investor, and there are pluses and minuses to each way of investing.

golden_nest_egg_400_clr_6549(1)One of the best ways for the investor to get educated on the Self Directed IRA and Gold is to speak to a reputable gold IRA company such as Regal Assets. The interested investor may request his free gold investing kit by following the information provided at the top side bar or the bottom of the page here.

Regarding the Self Directed IRA and Gold itself, investors may purchase gold bullion, coins and bars that meet the following standards. The gold has to be real currency of a recognized public entity. Further, it has meet a particular standard of purity. In the US, purity standard is 0.995. Other countries have different standards, and the investor should look carefully into what purity he is purchasing.

The individual may hold these types of gold in a Self Directed IRA:

~American Gold Eagle coin
~Canadian Gold Maple Leaf coin
~Austrian Philharmonic gold coin
~American Gold Buffalo coin
~Gold Kilo Bars
~Certain Gold Bullion Bars
~Credit Suisse Gold Bars
~Swiss PAMP Gold Bars

Investing in a Self Directed IRA is a great option, but care should be taken to use this important financial tool properly. Contact Regal Assets for one of their complimentary gold IRA investment guides for complete information from one of the country’s most reputable investment companies.


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