Posts Tagged ‘gold ira’

How a Gold IRA can Help you Diversify your Retirement Account

Tuesday, May 1st, 2018

We love talking about how a self-directed IRA can benefit your retirement. Most investment professionals suggest that a diversified portfolio (like a gold IRA) is the smartest way to go and that is exactly what a self-directed IRA does. It gives you a more diversified portfolio because you can invest in other things outside of the regular stocks and bonds. These non-traditional investments can be in things like real estate, gold or more.

If you have wondered why investing in gold or silver may be a great option for you, check out our video below. We talk about a gold IRA, also known as a self-directed IRA that is invested in gold.

When storing your gold in this vault you will be charged a small minimal fee. The monthly storage fees are below.

Monthly Storage Fees:

The asset value of metals: gold only, silver only, both metals
Less than $25,000: $8, $10, $10
More than $25,000: $12, $18, $18

It’s important to remember that one of the great reasons for having some of your retirement assets in gold is that it’s a great way to diversify your portfolio. The other great thing is that gold is looked at as being a standard of value across the globe. It is highly unlikely that gold will ever be worth nothing. If it happened to be worth nothing one day then you still have the saving grace that you will own the actual gold. If the stocks you own ever become worth nothing what do you have to show for it?

These are just a few reasons why a gold IRA could be a great option for you to invest in with your retirement account.

If you would like to know more about a gold IRA or how to set one up then contact us today.

Four Questions and Answers: Precious Metals IRA

Monday, January 22nd, 2018

Investing in a precious metals IRA can seem quite opaque at times. Moreso than investing in an asset more common like real estate, simply because it’s quite a rare investment type. Understanding how a precious metals IRA works, the rules, and what to avoid is essential for every successful investor.

Can I buy and store the metal myself?

Unfortunately no. In order for the IRA to be qualified by the IRS, it must be held by the custodian. The custodian will have a handful of metal dealers that they work with, that store the metals accordingly, have low storage fees, and are full IRS compliant.

What metals are allowed?

Within gold, silver, platinum, and palladium, there are several types of metals that are allowed. Popular bars or proof coins include American Eagle, Australian Kangaroo or Nugget, Austrian Philharmonic, Canadian Maple Leaf, Credit Suisse – Pamp Suisse Bars 0.999 fineness, U.S. Buffalo Gold Uncirculated coins with no proof, plus more. These selections change depending on the metal type you choose.

What fees am I likely to incur?

Accuplan Benefits Services strives to help our customers keep as much of their retirement funds as possible, so we keep our fees appropriately low. See the graphs below for more information on our fee structure for precious metals IRAs.

 

How does adding precious metals to my IRA benefit me?

There are a handful of reasons that precious metals are beneficial in a retirement account. To highlight a few, diversification, liquidity, preservation of wealth, and hedging against inflation. Precious metals have a value that is tangible, that you can touch and hold, so in that regard, it offers peace of mind in that you can see your investment. Unlike paper assets like stocks and bonds, gold traditionally performs well even when the economy is trending downward. It holds its value despite threats of inflation, rising national debt, and market instability or crashes.

 

What Alternative Investment Asset Types are for you?

Monday, September 4th, 2017

When most people think of investing, they might think of the stock market. Some people may even think of stocks AND bonds. All in all, most think of something that’s inaccessible to them, and that only the professionals can dabble in.

Owning an alternative investment can be a way to diversify a portfolio because they are non-correlated assets to most other assets. These types of assets are also commonly invested using a self-directed IRA. Let’s go over a handful of our favorites.

Real estate

The range of types of real estate you can invest in is wide. Most will automatically think of either single family homes or commercial real estate, but it goes beyond that. To name a couple, raw land, apartment complexes, farmland, storefronts, storage units, and many, many more.

Private placements

Simply put, a private placement is an offering of a company’s securities that is not registered with the SEC (Securities and Exchange Commission), and is not offered publicly for purchase. Only a few select individuals are offered private placements, so they’re difficult to find in that regard.

Precious metals

The reason that gold, silver, platinum, and palladium are considered precious metals is because they’re rare. Their value is intrinsically tied to their rarity, and in turn, is tied to how they’re priced.  Investors hold precious metals as an alternative investment and to, ideally, hedge against inflation and financial turmoil.

How a Gold IRA Improves your Retirement Account

Monday, May 22nd, 2017

Not a whole lot of people know you can invest in gold, nonetheless, invest in gold with a gold IRA. But you can and for some retirement savers, it’s the answer they’ve been waiting for. If you’re the type that likes to invest in commodities or hard assets, then a gold IRA might have what you’re looking for. Here are a few examples of how a precious metal IRA benefits everyday savers like you and me.

Hedging against U.S. dollar

A lot of investors, in times of economic instability, turn to commodities as an investment. The reason for this is that generally, hard assets like gold, oil and natural gas retain their value when the dollar does not.
Usually, gold’s price per ounce rises during inflationary periods, or as consumer prices go up. So as the cost of day-to-day living increase, so in turn does gold’s value. This is how you help protect your purchasing power.

Portfolio diversification

Precious metals historically have a weak correlation to price movements in the financial markets. Especially the stock market, which give you the advantage of avoiding market volatility. Best advice is to get your retirement account solely out of the stock market, with a gold IRA. To place your bets on only one investment type can be dangerous. With foresight and a trusted investment advisor, you can carefully diversify and avoid a potential crisis.

Steadfastness

One of the biggest reasons that investors choose gold and other precious metals is stability. Precious metals get a reputation for being a “doomsday” investment, the type of investments that you make if you’re uncertain of the economic future. There’s a great reason for this. Number one would be that gold has been around for as long as anything else on earth, and it’s still used in our everyday life. Number two might be that there’s a finite amount available, thus making it valuable, just by its existence.

 

A Great Time For A Gold IRA

Friday, April 4th, 2014

Gold IRAs

With the use of a self directed IRA you are able to diversify your retirement portfolio. There are so many different investments opportunities that you can do through a self directed IRA. Really the only thing that holds you back from investing within a self directed IRA besides some of the rules is your imagination. There are however certain investments that are much more popular than others.

A few of the most popular types of investments in self directed IRA are real estate and gold. The traditional investments in IRAs and 401ks are stocks and bonds. What happens when the stocks and bonds you invested in value goes down to $0? Your investment is worth nothing and you have nothing to show for it but a paper asset.

So what are the benefits to having gold or real estate in your self directed IRA? You are actually owning or investing in a real tangible item. If you invest in gold with your self directed IRA you actually own gold. If the value of gold goes to $0 you still own the gold. If the value of the real estate you invested in goes to $0 you still own that real estate. That is one of the big reasons people invest with a self directed IRA. They don't like stocks and bonds and want something that they feel more comfortable investing in. Typically, gold and real estate is also a safer investment than stocks.

Now is a solid time to invest in gold or other precious metals with your IRA. When investing in gold with your IRA it is typically referred to as a gold IRA or a gold backed IRA. This is a very solid time to buy gold, silver and other approved metals. Gold is lower than the SMA for the past 14 and past 200 days and at the lowest price it has been in the last month. All while silver is lower than the SMA for the past 14 and 200 days as well. If you are looking for some more long term reasons as to why a gold ira is a great addition to your retirement account then please check out our article, Gold IRA Investing.

Another great thing about self directed accounts is that you have control them. You get to decide your investments and you have control of your account. No more worrying about what your account is invested in because you become the investor. Taking control of your retirement can be a great way to improve your retirement.

At Accuplan Benefits Serivces we can help you get started with a self directed IRA and invest in the things you want like a gold IRA. Contact us for more information on how investing in a self directed IRA and gold IRA can be beneficial to you. If you are ready to set up an account and want to start investing within a self directed IRA then set up a self directed IRA account now.

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