Secure Your Retirement
With Precious Metals
Guidance From United Patriot Coin.
What is a Precious Metals IRA?
A Precious Metals IRA is a self-directed individual retirement account (SDIRA) that allows you to hold physical precious metals like gold, silver, platinum, and palladium as part of your retirement portfolio. Unlike traditional IRAs, which typically contain stocks, bonds, and mutual funds, a Precious Metals IRA enables you to diversify into tangible assets that historically retain value.
The IRS has strict guidelines regarding which metals qualify and how they must be stored. Only certain coins and bars with specific purity levels are eligible, and they must be held in an IRS-approved depository rather than in personal possession. This ensures that your investment is protected, remains compliant with tax laws, and is stored securely in a highly regulated facility.
Why Consider a Precious Metals IRA?
Precious Metals IRAs provide several key advantages, including:
Protection Against Inflation
Precious metals have historically retained purchasing power, unlike paper currency, which can lose value over time. When inflation rises, gold and silver tend to follow, making them a reliable store of value.
Portfolio Diversification
Adding metals to your retirement savings can reduce risk by balancing against traditional financial assets. Stocks and bonds are vulnerable to economic cycles, but precious metals offer a layer of protection.
Safe Haven Investment
Gold and silver tend to perform well during economic downturns and market volatility. Investors often flock to these metals as a hedge against uncertainty.
Long-Term Growth Potential
As demand for gold, silver, platinum, and palladium increases, their limited supply can drive prices higher, making them a potentially lucrative addition to your portfolio.
Types of Precious Metals Allowed in IRAs
Gold
Gold is the most well-known and widely held
precious metal for investment. It has been used
as a store of value for centuries and remains a
cornerstone of many investment portfolios.
Eligible gold products include:
Platinum & Palladium
More rare than gold, platinum and palladium
have strong industrial applications, particularly in
automotive and technology sectors. Their rarity
and demand make them attractive for long-term
investment.
Eligible products include:
Silver
Silver is both an industrial metal and an
investment asset. Many investors choose silver
due to its affordability and potential for growth.
It is used in everything from solar panels to
electronics, which sustains its demand.
Eligible silver products include:
How to Open a Precious Metals IRA
Step 1: Choose a Custodian
A custodian is required to manage your Precious Metals IRA, ensuring compliance with IRS regulations. United Patriot Coin partners with Equity Trust, a trusted custodian specializing in self-directed IRAs. They handle the administrative tasks, paperwork, and compliance necessary for maintaining your tax-advantaged status.
Step 2: Fund Your Account
You can fund your account through:
- Transfers (moving funds from an existing IRA to a Precious Metals IRA)
- Rollovers (transferring assets from a 401(k), 403(b), or similar plan without tax penalties)
- New Contributions (subject to IRS annual limits)
Step 3: Select Your Precious Metals
Your Precious Metals Specialist at United Patriot Coin will guide you through selecting the right mix of metals to align with your retirement goals. A diversified approach often includes a combination of gold and silver to maximize stability and growth potential.
Step 4: Purchase & Store Your Metals
All metals must be stored in an IRS-approved depository. Options include segregated or non-segregated storage for added security. A segregated account ensures that your metals are kept separate from others, while non-segregated storage is a more cost-effective option where metals are held in bulk with others of the same type.
Step 5: Monitor and Manage Your Investment
With Equity Trust as your custodian, you’ll receive account statements and have online access to monitor your portfolio. Additionally, United Patriot Coin provides buyback options, allowing you to liquidate your metals whenever needed.
Choosing a
Trustworthy
Custodian & Depository
The Importance of Working with
Someone You Trust
When it comes to investing in a Precious Metals IRA, one of the most
important factors is choosing a company that you can trust. Your
retirement savings represent years of hard work and dedication, and you
need to know that you are working with a company that prioritizes your
best interests. At United Patriot Coin, we take that responsibility
seriously.
A Precious Metals IRA is not just about purchasing gold or silver - it’s
about securing your future. That’s why we assign each client a dedicated
Precious Metals IRA Specialist who will guide them every step of the way.
Our specialists are experienced professionals; they are experienced
professionals who genuinely care about helping you make informed
decisions to protect your wealth. We take pride in providing one-on-one
personal service, ensuring that you feel confident and comfortable
throughout the process.
Why Choose United Patriot Coin?
Personalized Service: Unlike large, impersonal financial institutions, we believe in building relationships with our clients. Your specialist will take the time to understand your goals and tailor a strategy that suits your needs.
Industry Expertise: Our team has extensive knowledge of the precious metals market, IRS regulations, and investment strategies. We stay informed on industry trends so you can make the best possible decisions.
Trust and Transparency: At United Patriot Coin, we believe in honesty and integrity. There are no hidden fees, no high-pressure sales tactics - just straightforward guidance to help you secure your retirement.
Commitment to Your Success: We view our clients as partners, not transactions. Whether you have questions about market trends, tax implications, or the best time to buy, your specialist is always available to provide support and expert advice.The Benefit of Having a Dedicated
Precious Metals IRA Specialist
Navigating the world of retirement investments can be overwhelming,
especially when dealing with government regulations and market
fluctuations. That’s why having a dedicated Precious Metals IRA Specialist
from United Patriot Coin can make all the difference. Your specialist will:
Help you set up your account with an approved custodian, ensuring everything is compliant with IRS regulations. We are not licensed tax specialists, so we still recommend that you speak to your tax advisor if you have specific questions.
Assist with transfers and rollovers from your existing retirement accounts, making the process seamless and stress-free.
Provide expert recommendations on which precious metals best align with your retirement goals and risk tolerance.
Monitor market trends and keep you informed about opportunities to maximize your investment.
Offer a direct line of communication - no call centers, no automated responses, just real people who care about your financial success.
Ready to Take the Next Step?
Investing in a Gold IRA is a proactive way to safeguard your retirement savings. Contact United Patriot Coin today to learn more about how we can help you achieve your financial goals.
REQUEST FREE IRA CONSULTATION NOW
Protect Your Hard-Earned Savings
With United Patriot Coin, you are never alone in your investment journey. We are committed to helping you build a strong, secure, and diversified retirement portfolio that stands the test of time. Trust, integrity, and personalized service - these are the pillars that set us apart and ensure that you receive the best experience possible.
What to Look for in a Custodian
- IRS compliance
- Transparent fee structure
- Reputation and experience with Precious Metals IRAs
- Secure online access and account management
Understanding Depository Options
- Fully insured, IRS-approved storage facilities
- Options for segregated or unsegregated storage
- Regular audits and security protocols
- Detailed reporting so you always know the value of your assets
Tax Implications & Withdrawal Rules
Tax Advantages of a Precious Metals IRA
- Traditional IRA: Contributions are tax-deferred, but withdrawals are taxed as income
- Roth IRA: Contributions are made with after-tax dollars, but withdrawals are tax-free in retirement
- Metals are tracked at their commodity value, though "market value
Rules for Taking Distributions
- In-Kind Distributions: Receive physical metals instead of cash
- Early Withdrawals: Subject to a 10% penalty before age 59½
- Required Minimum Distributions (RMDs): Traditional IRAs require RMDs starting at age 73
Common Pitfalls & How to Avoid Them
Avoid Scams & Pitfalls
- Work with reputable dealers like United Patriot Coin
- Avoid high-pressure sales tactics and consider diversifying within your metals portfolio
Understanding Fees
- Setup Fees: One-time account opening cost
- Storage Fees: Paid annually to depositories
- Custodian Fees: Management fees for handling your IRA
Market Timing Mistakes
- Dollar-cost averaging vs. lump sum investing
- Avoid panic selling during market fluctuations
FAQs & Expert Tips
When is the best time to open a Precious Metals IRA?
Gold and silver can act as a hedge at any time, but many investors choose to enter when inflation is high or economic uncertainty is rising.
What percentage of a portfolio should be in gold/silver?
Experts often recommend 5-20% of a retirement portfolio in precious metals.
Can I store IRA metals at home?
No. The IRS requires all IRA metals to be stored in an approved depository to maintain tax-advantaged status.
How do buybacks work?
United Patriot Coin offers a buyback program, allowing you to sell metals back when you're ready to liquidate.
Ready to secure your retirement with gold and silver?
A Precious Metals IRA can provide stability, diversification, and inflation protection. With United Patriot Coin and Equity Trust, you have access to expert guidance and a seamless investment process.
Ready to secure your retirement with gold and silver?
Contact United Patriot Coin today to get started.
The 10 Critical Things You Need to Know About setting up a Precious Metals IRA
1. Why Precious Metals Are a Worthy Investment
Precious metals like gold, silver, and palladium offer diversification and a buffer against stock market volatility. They're a must-consider for anyone looking to build a robust and diversified investment portfolio.
2. Eligibility Criteria for Precious Metals in an IRA
The metals must be produced by NYMEX/COMEX-accredited manufacturers or a national mint, with specific fineness standards (.995+ for gold, .999+ for silver, .9995+ for platinum and palladium).
3. Types of Metals You Can Invest In
Your IRA can include various forms of precious metals, from American Gold Eagles to Silver Eagles and specific platinum coins. The range is wider than you might think!
4. The Role and Importance of a Qualified Custodian
A custodian manages your IRA, handling administrative tasks and purchases of precious metals, without providing investment advice.
5. Funding and Setting up Your IRA
You can easily set up a Self-Directed IRA through an online process, and funding can be initiated from an existing account or new contributions. Together with our financial partners, we will walk you through the entire process.
6. Where Your Metals Are Stored
IRA-owned metals must be stored in an IRS-approved depository with a qualified custodian. Due to IRS rules and regulations, home storage is not an option.
7. Moving Funds From Existing IRA and Avoiding Penalties
There are no tax penalties for transferring all or some funds from an existing IRA into another tax-advantaged account, including a Precious Metals IRA, as long as the funds are deposited within 60 days. The same is true for other account types, like 401(k), 401(a), 403(b), TSPs and annuities.
8. Liquidating Your Precious Metals
When the time comes, you can choose between a full or partial liquidation. We will work with you to get the best selling price, or depending on your needs, you can choose to remove the metals from your IRA and take over physical possession.
9. The Flexibility of Multiple IRAs
You're not restricted to just one IRA; you can have multiple, although the total annual contribution limits remain the same.
10. Distribution Options and Timing
Penalty-free distributions can begin at age 59½, and you have the choice of receiving these as physical metals or cash.
Expert Guidance at Every Step
United Patriot Coin is committed to empowering investors in the realm of precious metals and Precious Metals IRAs. We offer comprehensive services to help you navigate investment complexities and avoid any hidden fees or regulatory pitfalls.
