Retirement Accounts - Rollovers - Transfers to a Self-Directed IRA

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What is a Self-Directed IRA (SDIRA)?

A Self-Directed Individual Retirement Account is abbreviated as SDIRA. It is most commonly known as a Precious Metals IRA. You can also expand your Precious Metals Self-Directed IRA with a diverse range of investment options. See the list in the next section.

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A Self-Directed IRA Doesn't Just Offer a Diversification Hedge...

It Can Construct a Solid Foundation, Empowering You to Protect Wealth, Foster Growth, and Navigate Volatility in the Paper & Real Estate Markets.

Standard IRA vs. Self-Directed IRA:

The most notable difference between the two IRAs is that a standard IRA is managed by a financial institution that offers only paper investments like stocks and bonds, whereas a Self-Directed IRA custodian allows for many more investment choices such as precious metals, real estate, mortgages, loans, cattle, commodity options, stocks, mutual funds, and more.

Precious Metals include gold, silver, platinum, or palladium with a purity of 99.5% or more, except for American Eagle coins.

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Benefits of a Self-Directed IRA (SDIRA):

Also Known as a Precious Metals IRA:

The primary motive behind a rollover is to gain benefits such as a broader range of investment choices while preserving the tax-deferred status of your retirement savings. Many employer retirement account plans, including pension funds, TSPs, 403(b), 401(k), etc.... offer extremely limited investment options. Although the funds in a 401(k) belong to you, control and major decision-making about the account reside with your current or former employer, which might not always align with your investment goal objectives.

Typically, the custodian or brokerage institution is picked by your employer. These institutions usually offer a limited selection of investment choices. For instance, many require you to choose between mutual funds that are owned and managed in-house by these institutions. These mutual funds often come with high ongoing management fees, which can be upwards of 1% per year.

Furthermore, some custodians restrict the option to hold your 401(k) funds in cash, thus limiting your ability to sit on the sidelines away from the market if you feel uncertain. For instance, as of 2023, many APD retirement accounts did not allow retirement funds to be in cash positions.

Lastly, the accessibility of your 401(k) funds can also depend on the financial stability of your employer. A notable example is the Enron bankruptcy, which resulted in an average delay of 18 months for employees to access their funds following the company’s collapse.

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 Move to a
Self-Directed IRA:

1. Open Your Self-Directed 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.

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2. Transfer Funds to Your New IRA Account

We will assist you with the rollover or transfer of funds from your existing retirement account to your new Self-Directed IRA. Funding is completed in as little as 3 days. There is usually no need to call your current custodian.

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3. Choose Your IRA Assets

Once your account is funded, we can provide you with a simple asset overview. You can select all gold, all silver, or a combination of metals that resonates with your goals and objectives. Your chosen assets are then shipped directly to your IRA-designated depository.

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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

Common Questions About Self-Directed IRAs

Retirement Account Rollovers/Transfers to a SDIRA also known as a Precious Metals IRA

What is a Retirement Account Rollover?

By investing retirement funds in a Self-Directed IRA, you can accumulate profits without tax implications.

What Retirement Accounts Can Rollover?

All types of qualified retirement accounts can rollover, such as 401(k), 401k Roth, Pension Plans, 403(b), 457, TSPs, and all inherited IRA accounts.

What is an IRA Transfer?

A transfer on the other hand refers to the funds in a retirement account being moved from one custodian company to another, and its ‘type’ status has not changed. Example: You have a Traditional IRA with Fidelity, and you move it to a Traditional Self-Directed Precious Metals IRA with Harvard Gold Group’s help, this is considered a transfer because the type of account ‘Traditional’ remains unchanged. The same applies to SEP, SIMPLE, and Roth IRAs.

IRAs That Can Transfer to Gold/Silver

All types of IRAs can be transferred to a gold and silver IRA which is almost always tax-free and penalty-free to move. Most IRAs are called Traditional IRAs, they typically originate from an old employer’s retirement account rollovers. Other types of IRAs are called SEP, SIMPLE, and Roth IRAs. When you transfer a qualified IRA to a Self-Directed IRA (SDIRA), they retain their name status and benefits such as a Traditional IRA turns into a Self-Directed Traditional IRA.

Disclaimer: All information above and any tax-related information is as of the 2023 tax year. HGG doesn’t offer tax advice but provides general tax rules and information from the IRS website. There can be exceptions in some cases and rules can change with no notice. You can visit www.irs.gov

IS GOLD BETTER THAN SILVER OR VICE VERSA?

IRS Approved Precious Metals

Self-Directed IRA accounts enable investment in precious metals such as gold and silver, offering a valuable avenue for asset diversification and financial safeguarding. However, IRS guidelines dictate specific requirements for approved precious metals.

IRS-approved gold must possess a minimum purity of 99.5%. Gold with a fineness level below this level 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.

Examples of IRS-approved gold assets include:

Silver IRA coins and bars must be 99.99% pure. This fineness level is found in most assets sold by Harvard Gold Group.

Examples of IRS-approved silver assets include:

Featured Products for Gold & Silver IRAs

Considering Adding Platinum and/or Palladium to your IRA?

Ensure it meets the minimum purity requirement of 99.95%. Approved platinum options include American Platinum Eagles and the majority of platinum bars endorsed by the IRS.

Palladium is a sought-after precious metal that can be included in IRA portfolios. However, IRS regulations mandate that only palladium with a purity level of 99.95% or higher is eligible for deposition into an IRA account. Fortunately, many palladium bars and coins, such as the American Palladium Eagle, meet the IRS standards and are approved for IRA investment.

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We Guide and Assist You Every Step of the Way!

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).

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. 

Our Commitment

✔ 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.

The Harvard Difference

Receive a 10-page Guide
on Precious Metals IRAs

Let Harvard Gold Help You Protect, Own, and Control Your Financial Future!

Moving to a Precious Metals IRA has never been simpler or completely free. HGG simplifies the process by guiding you through the IRA application and facilitating the transfer of your current retirement funds to your new IRA account. This not only reduces stress for you but also ensures that your retirement account remains and continues to grow tax-free and penalty-free. Money movement can be completed in as quickly as three days, usually without the need to contact your current custodian.

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Want to Learn More?

You can call toll-free (844) 977-GOLD) or fill out the form to receive your free, no-obligation investment guide today.

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