Retirement Accounts - Rollovers - Transfers to a Gold IRA
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Gold IRA
What is a Gold IRA?
A Gold IRA turns your retirement savings into physical gold coins or bars that you own and control in lieu of paper assets like stocks and bonds. A self-directed precious metals IRA blends the wealth-building leveraging of tax deferment with the protection that tangible gold offers. This type of retirement account operates in the same manner as a standard IRA, offering the same contribution limits and tax benefits, but it also provides additional choices for distributions. When it is time for you to take distributions, you can choose precious metals, dollars, or a combination of both. Additionally, you can expand your Self-Directed IRA with a diverse range of investment options including real estate, mortgages, loans, cattle, stocks, mutual funds, and more.
Why a Physical Gold IRA?
You might be curious about why gold IRA firms consistently highlight the importance of diversification. Essentially, diversification involves allocating your investments among different types of assets to mitigate risk. No investment is entirely risk-free, as various assets behave differently to ever-changing market conditions. Hence, securing a well-rounded portfolio that includes a variety of assets, such as gold, can protect your wealth.
“If you don’t own Gold, you know neither history nor economics.”
Central Banks print money and control the largest economies in the world. If they hold physical gold as a reserve currency to the U.S. Dollar, shouldn't you?
"Gold is the third-most-held reserve currency by central banks."
~ Ray Dalio
Protects Against Dollar Decline/Inflation
Gold is a reliable hedge against inflation. As inflation rises, it erodes the value and purchasing power of the dollar. The U.S. dollar has lost more than 40% of its purchasing power since the year 2000 and more than 96% since 1913 when the Federal Reserve Act granted Federal Reserve banks the ability to manage the U.S. money supply. In contrast, gold was valued at $20 in 1913 and has surged an astonishing 9900%, now commanding a price of over $2,000, showcasing its formidable resilience and status as a timeless hedge against dollar erosion.
Hedge Paper Investments ~ Stocks & Bonds
Since the year 2000, gold has appreciated well over 700%. Gold is a ‘Key Asset’ for diversifying and hedging against paper and dollar-denominated investments. Most Americans are unaware of how physical gold has performed. Reflecting on the past 23 years, the U.S. has experienced significant growth in the economy and stock markets, along with enduring three major crises in 2001, 2008, and the 2020 COVID-19 pandemic. What is often overlooked is that physical gold has consistently outperformed the broader stock and bond markets. By incorporating tangible gold into your portfolio, you can enhance your ability to safeguard and expand your wealth in both favorable and challenging economic times.
True IRA Diversification
A gold IRA provides significant advantages beyond a standard IRA, which isn't structured to hold physical assets like gold and silver. Additionally, conventional brokers lack the ability to establish a Gold IRA for clients. Therefore, Harvard Gold Group serves as your dedicated company to manage this aspect of your wealth, diversifying a portion of your weath away from paper assets such as stocks and bonds.
Types of Gold IRAs:
Gold-Backed Traditional IRA
A tax-advantaged personal savings plan where contributions may be tax deductible.
- As of 2023, contributions can’t exceed $6,500 ($7,500 if you're age 50 or older), or if less, your taxable compensation for the year. Check with your CPA.
Gold-Backed Roth IRA
A tax-advantaged personal savings plan where contributions are not deductible but qualified distributions may be tax-free.
- Contributions for Roth IRAs are the same as above for Traditional IRAs.
Gold-Backed SEP IRA
A Simplified Employee Pension plan. These types of accounts can be set up for people who own their businesses or can be established by an employer of a small business for their employees. SEP IRAs stand apart from traditional IRAs due to their significantly higher contribution limits. This is attributed to the fact that the total contribution limit for employers exceeds the individual limits of traditional IRAs. Employers have the flexibility to contribute up to 25% of an employee’s income or $61,000 in 2022, whichever amount is lesser.
The information on IRA Types is provided directly from the IRS website and is current through March 2024. You can find more retirement account plan types and information on their site.
Click here: Types of Retirement Plans | Internal Revenue Service (irs.gov)
How to Setup a Gold IRA
3 Steps to Transfer or Rollover:
Harvard Gold Group's primary focus is to help you secure and enhance your retirement savings. For the last 23 years, gold has outperformed the broader stock and bond markets. We believe diversifying into physical gold is a crucial step towards stabilizing and growing your wealth.
1. Open Your Self-Directed Gold IRA
Our IRA Specialists will assist you in completing the paperwork and share a quick overview of the process, cost, and timing. Eligible rollover accounts include: All Types of IRAs, 401(k), Pension Plans, 403(b), 457, and TSPs.
2. Transfer Funds to Your Gold IRA Account
We will assist you with the rollover or transfer of funds from your existing retirement account to your new Gold IRA. Funding is completed in as little as 3 days. There is usually no need to call your current custodian.
3. Choose/Receive Your Physical Gold
Once your account is funded, we can provide you with a simple asset overview. Your chosen assets are then shipped directly to your IRA-designated depository.
Eligible Accounts for Rollover/Transfer Include:
All Types of IRAs | 401(k) | Pension Plans | 403(b) | 457 | TSPs
* Ask us how you can earn up to 10 years of free Hard Asset IRA yearly maintenance fees *
Receive a 10-page Guide
on Gold IRAs
You Work Hard, Harvard Gold Group Can Help You Add Protection to Your Retirement Accounts and Financial Future with a Gold IRA
In a world of increasing turbulence, volatility, and uncertainty, investors find stability and protection in their portfolios with physical gold. Gold is an exceptional asset offering privacy, liquidity, and scarcity with no credit risk. Moreover, because gold is both a safe-haven asset and has abundant commercial uses, it serves as a dual investment vehicle, offering benefits you cannot attain with other assets.
Why Harvard Gold Group?
Harvard Gold Group is America's #1 Conservative Gold Company
Recommended by Mark Davis. As seen on The Babylon Bee, Not The Bee, The Fish, The New York Sun, and more. Exceptional customer service and value are Harvard Gold Group's (HGG) top priorities.
HGG is BBB-accredited, holds 5-star ratings across the board, and provides free consultations and metals overviews. They provide direct access to its co-owners who have over 15 years of experience specializing in Precious Metals, moving over a hundred million dollars into tangible assets for people's IRAs/retirement accounts and for direct delivery. Customers enjoy lifetime account care and a straightforward buyback program without hassle or liquidation fees.
✔ Tax-Free & Penalty-Free: A Rollover or Transfer of your Retirement Account is almost always tax-free and penalty-free.
✔ Free Metals/Promos: Receive up to $15,000 in FREE Gold/Silver/Promos, on qualifying purchases.
✔ Free IRA Rollover: Free Storage, Maintenance, and Insurance for up to 10 Years
✔ Privacy: We protect your privacy and believe it is a commodity as valuable as time, you can't get it back.
✔ HGG Lifetime Account Care: Giving you updates, market trends, charts, and a dedicated account specialist.
✔ Harvard BuyBack Program: We will buy back your precious metals with no fees and no hassles.
✔ Guaranteed Precious Metals: We only deal in government-issued coins and branded bars.
✔ Free Shipping: Your precious metals are sent privately and fully insured to the location of your
choice. You can opt to have them delivered directly to your home, business, or an
independent depository of your choice.
✔ Lowest Pricing: We are committed to offering you the best value possible. We will beat or match any competitor's prices.
✔ Customer Satisfaction Guarantee: Harvard Gold Group is a 5-star rated company and strives to maintain customer service satisfaction.
✔ You work directly with the founders of HGG.
Our team of experts is available to assist you with any questions or concerns you may have at (844) 977-GOLD (4653).
How a Gold IRA
Elevates Protection
Wealth Protection | Safe Haven
Physical gold is tangible and under your direct control, which appeals most to long-term investors looking for protection. It's sought as a safeguard against inflation, currency devaluation, and global economic or political uncertainties. Physical gold has been an essential component in the financial reserves of nations' currencies for centuries, and its appeal is showing no sign of diminishing.
“Gold is money. Everything else is credit.” ~ J.P. Morgan
Physical Asset
Beyond preserving purchasing power, tangible gold is portable, offers privacy in transactions, and serves as a valuable means of passing wealth to future generations. Physical gold is one of the most liquid investments. Gold is global money, there are exchanges all over the world for the currency of your choice.
“Gold still represents the ultimate form of payment in the world. Fiat money in extremis is accepted by nobody. Gold is always accepted.” ~ Alan Greenspan
Additional Distribution Choices
When it is time for you to take distributions, you can choose precious metals, dollars, or a combination of both. This distinct feature allows you to explore tax strategies that meet your goals and financial objectives to effectively maximize your retirement years.
“Because gold is honest money it is disliked by dishonest men.” ~ Ron Paul
A Gold IRA is Easy to Establish & Maintain
Harvard Gold makes setting up a precious metals IRA simple and easy. We assist with the straightforward paperwork process and make it seamless. Our IRA team is dedicated to answering all your questions and guiding you through every step of the precious metal investment process. You can rely on an effortless process and ongoing support for the lifetime of your investment, including your heirs. We provide market updates, charts, and dedicated account specialists.
You can move almost any type of retirement account above $25,000 into a Physical Precious Metals IRA. HGG offers 100% free conversion, as well as free storage, maintenance, and insurance for up to ten years. Qualifying purchases can also receive up to $15,000 in free metals match, delivered to your door or location of your choice.
★★★★★
Customer Service
IRS Approved Precious Metals
Self-directed Gold IRA accounts enable you to invest in gold, offering a valuable avenue for asset diversification and financial safeguarding. However, IRS guidelines dictate specific requirements for approved gold assets.
IRS-approved gold must possess a minimum purity of 99.5%. Gold with a fineness level below .995 cannot be utilized for a precious metal IRA, with one excellent exception being American Gold Eagles. Each of the four sizes contains 91.67% gold (22 karat), 3% silver, and 5.33% copper. The 22k gold alloyed makeup of Gold Eagle coins stands in contrast to the 24k Gold Buffalo Coin, which is minted entirely from 9999 fine gold.
Featured Products for IRS-Approved Gold Assets:
Gold American Eagle
U.S. Mint
Gold British Britannia
Royal Great Britain Mint
Gold Canadian Maple Leaf
Royal Canadian Mint
Gold Valcambi Suisse Bar
Suisse Mint
Key Points to Understand
About Your Gold IRA
Current rules and regulations for your gold IRA are the same as all other IRA accounts. For the year 2023, the highest allowable contribution is $6,500, increasing to $7,500 for individuals aged 50 and above. Mandatory minimum distributions for a Gold IRA begin at age 72. Without special exceptions, early withdrawals before reaching 59.5 may result in penalties.
You have the option to select from a variety of IRA-eligible coins and bars (collectibles are excluded). Havard Gold Group ensures IRS regulations are met by setting up an account to be overseen by a quality custodian. Custodial services encompass maintaining your account, statements, bookkeeping, and account administration. They also oversee the depository to ensure your metals are accounted for. IRA-approved depositories are required by the IRS to undergo frequent audits, adhere to strict security protocols, and carry comprehensive insurance. To mitigate risk, you can choose from depositories that are not owned by any government or bank entity. IRA depositories insurance protection covers losses, theft, natural disasters, and damage. Additionally, depositories can start the shipping process for metal distributions as quickly as three days after receiving the paperwork.
You can choose from several IRA-approved Depository locations such as Salt Lake City, UT · Waco, Texas · Las Vegas, NV · Wilmington, Delaware · Los Angeles, CA. Contact us to inquire about additional locations that may be available soon at (844) 977-4653.
HGG is well-versed in the nuances of establishing a Gold IRA, including any initial fees or additional costs that might be involved. Our team of Precious Metals Specialists is here to assist you at every stage, ensuring the simple and effective setup of your Gold IRA. Ask about current promotions that allow you to qualify for up to ten years of free annual custodian and depository costs {flat yearly fee of $225 (2024) for IRA accounts}. Some or all of your IRA yearly costs could be eligible for a tax deduction, ask your CPA.
Protect Your Future Now
Deciding when and how to retire requires planning. Harvard Gold, America’s #1 Conservative Gold Company is here to help you protect and diversify your retirement savings. Avoid letting rising inflation and the next financial crisis shatter your aspirations. Gold can give you peace of mind and help you enjoy the rest of your life.
Call our Precious Metals Specialist today at (844) 977-GOLD (4653).
Ready to Enjoy the Benefits of a Gold IRA?
Want to Learn More?
Discover the Benefits of Gold in Safeguarding Your Retirement
Key aspects within this guide:
✔ How a Physical Gold-Backed IRA Works
✔ How to Setup a Gold IRA
✔ Eligible Retirement Accounts
✔ The Benefits & FAQs of a Gold IRA
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