Learn Why Some Consumers Pair Precious Metals With Other Assets to Prepare for Retirement, According to U.S. Money Reserve Financially
With a self-directed IRA — a type of individual retirement account — you can include more than just the stocks, mutual funds, and bonds you might find in a conventional IRA.
Self-directed IRAs provide similar tax benefits as other IRAs; contributions are made on a pre-tax basis, and taxes are deferred until the holder takes distributions. Or, with a Roth IRA, contributions are made on a post-tax basis, which essentially equates to tax-free withdrawals.
While — much like conventional IRAs — self-directed IRAs can contain conventional retirement assets such as stocks and mutual funds, they can also hold a wide variety of less traditional or “alternative” assets, ranging from real estate and promissory notes to physical precious metals, provided these meet certain requirements.
Precious metals, for example, must generally meet or exceed a certain level of fineness to be approved for inclusion in an IRA.
Self-directed IRAs offer more control over how your assets are allocated. You, instead of an account custodian, determine what the asset mix will be, and you can adjust the proportions at any time.
Making Gold Part Of Your Savings Plan
With a history of performing well when the economy is strong — and also during more challenging times, such as when the economy falters or international tensions rise — precious metals are often regarded as a way to diversify portfolios and potentially offset losses from more volatile inclusions.
From 2000 to 2024, for example, the price of gold, as well as silver, platinum, and palladium, grew significantly.
By June 2024, gold had reached as high as $2,450 an ounce — an increase of more than 820% from October 2000, when it was priced at $263.80 an ounce.
That represents just a portion of the precious metal’s legacy, says U.S. Money Reserve President Philip N. Diehl, who served as 35th Director of the U.S. Mint.
“Gold has a 3,000-year-old track record,” Diehl says. “It’s one of the few assets that has not only held value but has also been a medium of exchange that facilitates commerce.”
To Rich D., purchasing precious metals is a promising way to safeguard his savings amid turmoil in and outside of the country, according to one of the U.S. Money Reserve reviews shared on the Better Business Bureau website.
“I reviewed three companies when I turned over my savings to gold,” Rich says. “I knew I had to make a different choice with my savings to protect it. Gold, I found, is the way…and my choice was U.S. Money Reserve.”
Robert E. thanks the company for helping him set up a precious metals–backed IRA in another U.S. Money Reserve review posted on the Better Business Bureau website.
“[It] makes me sleep comfortably knowing I was able to lock in my life savings,” Robert says. “Having someone watch over what is going on and helping me to diversify my portfolio is priceless.”
In a U.S. Money Reserve review shared on Google, Bountiful, Utah, resident James E. describes how a representative of the firm helped him establish a precious metals IRA.
“I needed to get [out] of one IRA,” James says. “[A U.S. Money Reserve representative] put me in touch with [my U.S. Money Reserve IRA Account Executive].
She knew what to do. Within one day, I had my IRA transferred and backed by gold. What a relief.
Since that day, they have followed up to make sure I knew all the facts. They did exactly what I needed without trying to sell me anything. They got the job done.”
How The U.S. Money Reserve Can Help
Al B. examined information in a brochure that U.S. Money Reserve sent, then talked about his options with one of the company’s knowledgeable Account Executives.
“[I] discussed my objectives for investing in gold with a representative and then studied the product selection,” Al says in one of the U.S. Money Reserve reviews shared on the Better Business Bureau website. “About a week later, [I] received my gold — easy process.
The representative was extremely knowledgeable and helpful, not pushy and wasting time trying to sell me something I did not want.”
A U.S. Money Reserve Account Executive clarified for Eric L. how gold and silver can potentially help anchor a portfolio against stock market upheavals.
“I contacted U.S. Money Reserve, interested in learning about precious metals,” Eric says in a U.S. Money Reserve review available on the Better Business Bureau website. “I appreciate [the representative’s] answers to many questions and the helpful information sent to my home and emails.
A good relationship with U.S. Money Reserve netted my first purchase — and [I’m] now considering another.”
Cynthia S., another portfolio holder who has worked with U.S. Money Reserve, praises the way the Account Executive she spoke with explained everything.
“Dealing with your hard-earned money can be stressful in this economy,” Cynthia says in her U.S. Money Reserve review on the Better Business Bureau site. “I know I made the right decision.”
If you’d like to find out more about the role precious metals can play in your portfolio — and what steps are involved in setting up and funding a self-directed IRA — additional information is available on U.S.
Money Reserve’s website. You can also call 1-888-378-7461 to speak to a U.S.-based Account Executive from the company.
“I’ve been surprised by how many well-informed investors have no idea how easy it is to roll over part of an IRA into a self-directed precious metals IRA,” Diehl says. “Gold is security in the face of economic and political storms — and it has been for generations.”
