Understanding a Gold IRA

Balance your IRA with Gold and Silver

At the heart of today’s global finance, precious metals stand as the ultimate hedge for risk-aversion during periods of uncertainty, preserving wealth for over a millennium.

Financial history shows, that increases in both gold and silver have outperformed growth in traditional markets over time. Tax and financial advisors regularly recommend adding a percentage of gold and silver for portfolio diversification.

When traditional assets like stocks, bonds and mutual funds fall, precious metals rise by sitting on the opposite side of the financial see-saw. Bankers and financial professionals frequently rely on golds inverse relationship with the dollar to increase their portfolio value during downturns and stabilize their asset values during uptrends, and so can you.

VaultRunner’s Gold IRA offers one of most effective forms of security you can use to protect your retirement account and maximize the potential of your tax-deferred benefits. By including precious metals as part of your retirement strategy you balance your investments with a protective hedge against unforeseen events that undermine the savings you intend to use in retirement.

What is a Gold IRA?

In the past, only gold and silver U.S. coins were allowed as IRA investments under federal guidelines. Now it is possible to also add platinum and palladium coins and bars to your retirement account.

VaultRunner’s self-directed Gold IRA makes it simple to expand your investment choices beyond the limitations of ordinary stocks, bonds, and mutual funds with physical – IRA approved bullion, coins and bars.

VaultRunner Self-Directed Gold IRA, enable you to make pre-tax (Traditional IRA) or tax-deductible (Roth IRA) contributions in physical precious metals.

Precious metals in a Gold IRA are exclusively yours and there are no certificates or shared ownerships like traditional paper assets.Best of all, your tangible assets are fully insured against loss, theft or damage. Your holdings in our Gold IRA provides the full advantage of the range of tax benefits afforded to any normal IRA, while adding balance to your retirement portfolio.

We make it simple to add real balance to your retirement portfolio. You can set-up your own account online or call a VaultRunner IRA Professional at 650-334-1178 who can help you every step of the way. Choose one of the four leading Alternative Asset IRA Custodians, to administer your IRA account.

When you choose to invest your IRA in Precious Metals with VaultRunner, you’ll determine all aspects of the investment, from the type of metals you desire to the IRA Approved Depository of your choice.

VaultRunner offers the very best physical assets permitted under the Internal Revenue Code. And when it comes to keeping your assets safe, VaultRunner gives you the industry’s largest selection of nationally and internationally recognized IRA Approved Depositories to choose from.

Don’t take risk with paper gold or certificates, take charge of your future with a self-directed Gold IRA. Get solid IRA-Eligible gold, silver, platinum or palladium, bullion, coins and bars at competitive rates and own your investment choice.

Retirement planning is essential. Precious metals give you the diversification you need to go the distance. When you invest in – gold, silver, platinum and/or palladium – you will have “Real Money,” that can last a lifetime.

Call our IRA Specialist Today at 650-334-1178 to get started or request our FREE Guide today.

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Why a Gold IRA is Right for You

“With a colorful history woven between cultures, countries, and continents, the current level of socio-economic interconnectedness in the modern world signals a positive trajectory for gold. Gold is precious metal that has not only withstood the test of time but has played a crucial role in civilization for nearly five thousand years. The value and importance of many commodities might ebb and flow, but gold’s track record cannot be denied. In a global landscape, gold’s next chapter looks promising.” – Grae Minors

For over 4,000 years gold and silver have been valued as a symbol of wealth and power, used as currency and cherished for cultural significance. Today gold stands as the foundation of our modern banking and financial infrastructure. When owned in a self-directed individual retirement account (SDIRA), precious metals expand your investment opportunities by creating a solid vehicle to save for your future.

A Precious Metals IRA puts you in control of the assets you invest in for your retirement. For many clients, precious metals are the investment of choice. You have the option (within IRS regulations) to invest in gold, silver, platinum, and palladium in physical form or by buying equities in firms that mine or refine those metals, which is considered another form of alternative assets.

Tangible assets, however, bear no counter-party risk. When you invest in mining companies or their equities, the performance of the assets is dependent on the performance of the company, it ‘s management and the strength of the economy on which they depend.

While the strength of the economy does affect precious metals to a certain extent, however, there are other factors that benefit gold and silver over the long-term. Gold is universally traded in US Dollars. Excessive money printing, loss of spending power through inflation and global uncertainty tend to increase the value of gold and silver. Losses created during periodic market cycles cause precious metals to rise because investors move into safe havens like gold and silver.

On August 15, 1971, when the United States could no longer meet its growing debt obligations, President Richard Nixon ended the Gold Standard. At that time, the price for gold in US Dollars was $38 per ounce. Today the gold price averages around $1,300 per ounce. That is an increase of over 3,421% in the past 47 years, an average of 72% per year during the same period. Simply stated this makes gold the best-performing asset of all traditional asset classes including oil which also trades in US dollars.

A “Self-Directed Gold IRA” simply means that you make all decisions regarding the investments in your individual retirement account. The self-directed IRA custodian or administrator reviews the documents required to establish your account and purchase your investment. In addition, when you hold physical metals, you will work with VaultRunner a leading precious metals dealer as well as an IRA-approved depository of your choice.

Call our team of professional IRA experts today and let us show you just how easy it is to get started today at 650-334-1178 or request our free IRA Guide below today.

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Opening an Account

Investing in gold and precious metals within a Self-Directed IRA is easy. You can do it yourself in less than 15 minutes online, however, if you prefer, VaultRunner has IRA specialists who are available to help you every step of the way by calling 650-334-1178, Monday through Friday from 8:30 am to 5:00 pacific time.

The first step is to establish and fund your IRA account with a self-directed IRA custodian. VaultRunner has provides 4 of the top Self-Directed IRA Custodians that specialize in alternative assets, to help administer your new account.

VaultRunner’s preferred vendor of choice is New Direction IRA. While all the custodians we have partnered with provide excellent service, we have found NDIRA has the broadest range of IRA Approved Depositories, low fees, and responsive service.

Keep in mind, the custodian you choose is entirely up to you and we work equally well with all of them. Fees do vary among firms but typically range from $200-$400 on average. Service level and processing time can vary among them, and depository fees are always charged separately from custodial fees.

Once you know which custodian you would like to work with, you can complete the application online using the portal we provide linking you directly to them or you can have our specialist assist you if you prefer.

You may choose to fund your Self-directed IRA by a direct transfer or rollover from another IRA, 401(k) or other qualified retirement plans. You can make an annual IRA contribution by starting a new plan if you’re eligible. If you are not sure if you are eligible to contribute to a new plan in the current tax year, we suggest you contact a professional tax advisor as we do not provide tax or investment advice.

When filling out your application, you will need to list VaultRunner as the interested party on the “Precious Metals Buy Direction Letter” so we can assist you during the purchase process. This form may have a different reference depending on the custodian you select, basically, it is the form which designates the representing party which can interact with your custodian when purchasing the metals.

The application will include a section which will indicate to the custodian the method by which you will fund your account. If you are transferring from another plan the custodian will facilitate the transfer directly on your behalf. If you are establishing a new account, you will need to fund your new IRA check or bank wire directly to the custodian.

You will receive a letter from the custodian indication they have opened your new account and instruction on setting up your online access and password for later viewing.

When your account is funded you can select the metals you would like to invest in from our list of IRA Eligible Metals here. Before you lock-in your metals, you will need to notify us, so we can coordinate the purchase with your custodian. Your custodian will send payment from your self-directed IRA along with shipping instructions to VaultRunner, Inc. who will then forward the metals to the depository on your behalf.

When the process is complete, you will receive an invoice of the metals purchased by your plan from VaultRunner. In roughly 2-3 weeks after your transaction has completed, the metals will be reflected online in your IRA account.

Anytime you have a question at any time, just give us a call 650-334-9316 option 1

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Converting your plan to a Gold IRA

Investors can turn any plan type (Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA) into a Self-Directed Gold IRA if the account is held by a self-directed IRA custodian.

Additional types of plans that qualify are:

  • 401(k) plans from former employers
  • Current 401(k) plans if eligible for “In-Service Roll-Over Option” (ask your employer if yours qualifies).
  • 403(b) plans from previous employers
  • Governmental 457 plans
  • Qualified Annuities (surrender penalties may apply)
  • Thrift Savings Plan (TSP) – after age 59 ½ or upon separation of service.

Got a question about your plan? Give us a call at 650-334-1178

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Rollover vs Transfer

There are two main ways to move company retirement plan money to an IRA: a direct trustee-to trustee transfer or rollover.

Transfer: A transfer is the transfer of funds from an individual retirement account (IRA) to another IRA regardless if it is held with a brokerage account, bank account, credit union or another service provider.

IRA transfers can be simple when they are made between common types of accounts and the simplest method is the direct trustee-to-trustee transfer.

You can transfer a Traditional IRA from one service provider to another without any costs. The same is true with a Roth IRA, which also can be transferred easily from one service provider to another if the type of account is the same.

Rollover:  A rollover is when you transfer the holdings of one retirement plan to another without suffering tax consequences. This occurs when you receive assets from one retirement plan and transfer them to another. You have 60 days after receiving the asset (money) to put it into another account or you will lose the tax benefit. It is best to move the money directly into another account without delay to avoid a tax or penalty.

A word about company plans. There are only two ways to your move company retirement plan money into an IRA: a direct trustee-to-trustee transfer and a rollover where you receive a check made out to the new Custodian, F.B.O. (for the benefit of) you. The preferred method, in this case, is also the direct trustee-to-trustee transfer.

If your plan is with your current employer, you will need to check with the plan administrator to find out if a transfer is possible. Some employers may restrict plan movement until certain conditions are met like achieving a certain age, time on job or separation from employment.

Types of Rollovers include:

Direct Rollover – A distribution of eligible rollover assets from a qualified plan, 403(b) plan, or a governmental 457 plan to a Traditional IRA, or…a distribution from an IRA to a qualified plan, 403(b) plans or a governmental 457 plan.

Indirect Rollover – An indirect rollover is a method of transferring assets from a tax-deferred 401(k) plan, to a traditional individual retirement account (IRA). This will usually appear on your IRA statement as a “Rollover IRA” once this has occurred.

If all of this feels a bit too confusing, just give us a call at 650-334-1178, we’re here to help.

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Storage Options

There are three parties involved in establishing your Self-Directed IRA account. VaultRunner will provide IRA-Eligible metals, however, the Internal Revenue Code requires that a custodian hold your IRA precious metals.

In addition to choosing a custodian, you will also need to choose an IRA-Approved Depository to provide storage for your precious metals during the period in which your metals are held within the IRA account.

A Self-Directed Gold IRA does not allow you to take physical possession of the metals directly until they are withdrawn from the account, to keep them in a tax-deferred environment.

To preserve the tax-advantaged nature of the metals you own, VaultRunner works with several IRA Custodians in tandem with IRA-Approved Depository Companies who provide services both within the United States as well as internationally.

All depositories listed below meet IRS regulations for use by self-directed IRA account holders. However, not all IRA Custodians work with the same depositories. If you have a specific depository preference, please inform your VaultRunner IRA Specialist so they can pair you with the right custodian/depository combination. Storage fees will vary according to the individual depository.

  • The depositories listed below provide storage within domestic North America:
  • Delaware Depository Services Company (Wilmington, DE)
  • Brink’s Global Services USA, Inc. (Springfield Gardens, NY; Los Angeles, CA; Salt Lake City, UT)
  • Dakota Depository Company (Fargo, ND)
  • Idaho Armored Vaults, LLC (Nampa, ID)
  • A-M Global Logistics ` Vegas, NV
  • First State Depository Wilmington, DE
  • International Depository Services of Delaware and Texas (IDS)
  • CNT Depository Bridgewater, MA
  • Money Metals Depository Eagle, ID

If your Self-Directed IRA needs require international storage, please let your VaultRunner IRA Specialist know so we can pair you with the correct IRA Custodian/Depository to accommodate your international storage needs.

The depositories listed below offer international storage abroad. There may be some restrictions on international holdings.

  • International Depository Services of Canada (IDS) (Mississauga & Ontario, Canada)
  • Strategic Wealth Preservation (George Town, Cayman Islands)
  • Brink’s Global Services (Ontario, Canada, Singapore)
DISCLAIMER: VaultRunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.

Contribution Limits

For 2015, 2016, 2017 and 2018, your total contributions to all of your traditional and Roth IRAs cannot be more than:

Your taxable compensation for the year, (if your compensation was less than this dollar limit), or

$5,500 ($6,500 if you’re age 50 or older).

The IRA contribution limit does not apply to:

Qualified reservist repayments

Rollover contributions

Claiming a tax deduction for your IRA contribution

Your traditional IRA contributions may be tax-deductible. The deduction may be limited if you or your spouse is covered by a retirement plan at work and your income exceeds certain levels.

IRA deduction limits

Roth IRA contribution limit

The same general contribution limit applies to both Roth and traditional IRAs. However, your Roth IRA contribution might be limited based on your filing status and income.

2017 – Amount of Roth IRA Contributions You Can Make for 2017

2018 – Amount of Roth IRA Contributions You Can Make for 2018

DISCLAIMER: Vaultrunner, Inc. does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought. CIRCULAR 230 NOTICE: As required by U.S. Treasury rules, we inform you that if any Federal tax advice is contained on this website, including attachments (in spite of our best efforts not to provide any tax advice), it is not intended or written to be used, and cannot be used, by any person (1) for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service, or (2) to promote, market, or recommend to another party any matter addressed herein.