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Discover the costs of a Gold IRA in 2025 and if it's the right investment for you.

How Much is a Gold IRA in 2025?

Disclaimer: This website and its content are for informational purposes only and is not financial advice.

The cost of a Gold IRA in 2025 involves several fees, including setup ($50-$300), annual maintenance ($80-$300), and storage ($100-$500+). Minimum investments can range from $0 to $50,000 depending on the provider.

Firstly, let's quickly clear up what a Gold IRA is:

A Gold IRA is an individual retirement account which allows for investors to hold gold, silver, and other precious metals in their account. This allows for more control over what you hold, along with potential tax benefits.

Initial Setup and Custodian Fees

The initial investment in a gold IRA can vary depending on several factors. Unlike traditional IRAs where you might directly purchase stocks or bonds, a gold IRA requires a custodian to manage the account and an approved depository to store your physical gold. These services come with associated fees.

Setting up a gold IRA typically involves an account setup fee. This is a one-time charge that can range from around $50 to $300, depending on the custodian you choose.

Some custodians may also charge an annual maintenance fee, which can be a flat fee (e.g., $100 to $250 per year) or a percentage of the assets held in your account. It's essential to compare the fee structures of different custodians to find one that aligns with your investment goals and budget.

The Cost of Purchasing Physical Gold

Beyond the custodian fees, you'll also need to consider the cost of purchasing the physical gold itself. The price of gold fluctuates based on market conditions. When you decide how much gold you want to include in your gold IRA, the current spot price of gold will be a primary factor.

Additionally, dealers may charge a premium over the spot price, and there might be transaction fees associated with buying or selling gold within your IRA. These premiums and fees can vary depending on the type of gold you purchase (e.g., bullion bars, coins) and the dealer you work with.

Storage Fees for Your Gold IRA

Another significant cost component of a gold IRA is storage. The IRS mandates that the physical gold in a gold IRA must be held in an approved third-party depository. These depositories charge storage fees, which can also be a flat annual fee or based on the value or weight of your stored gold.

Storage fees can range from approximately $100 to $300 per year or more, depending on the amount of gold you hold and the specific depository.

Updated May 5th, 2024

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Estimating the Total Cost of a Gold IRA

Therefore, when asking "how much is a gold IRA?" in 2025, it's not just about the price of gold itself. You need to factor in the setup fees, annual maintenance fees, transaction fees when buying or selling gold, and the ongoing storage fees.

The total cost in the first year will likely be higher due to the initial setup fee, while subsequent years will primarily involve maintenance and storage fees, along with any transaction costs if you make changes to your holdings.

Making Informed Decisions about Your Gold IRA

To get a clearer picture of how much a gold IRA might cost you in 2025, it's recommended to research and compare different gold IRA companies. Look closely at their fee schedules, the types of gold they offer, their reputation, and the security of their approved depositories.

If you would like to open a Gold IRA, I recommend Augusta Precious Metals. Their commitment to transparency, high-quality service, and client education makes them a top choice.

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By Jordan McCaleb, Precious Metals Investment Researcher