5 Things To Consider When Investing 250,000+

If you currently have more than $250,000 in your retirement account and you are considering a gold IRA rollover, read on.consider this when investing 250000 or more

There are 5 very important factors you should consider before rolling over your existing retirement account:

  1. Account Fees
  2. Flat vs. Scaled Fees
  3. Storage
  4. Collectables vs. Bullion
  5. Company Reputation

IRA Account Fees

One thing you should be very careful about when choosing a gold IRA custodian is the fees that they charge. This could as well be the MOST important factor on which you base your decision. When it comes to account fees, there are usually 2 main fee structures:

  • Flat Fees
  • Scaled Fees

What I would recommend is that you make sure you are getting flat fees when doing a rollover. Let me explain…

These stay the same and are not based on your gains. They allow you to grow your retirement savings much faster then scaled fees.

On the other hand, with scaled fees, your custodian increases the amount of fess as your retirement savings gain in value. For example, if you started out with $150,000 and grew to $300,000 and the fee was charged at 0.1% of the total amount, your annual fees would jump from $150 to $300 per year.

See the chart below to see the difference between having flat fees or scaled fees:

Retirement SavingsAnnual Flat FeesAnnual Scaled Fees ( .1%)

Bullion vs. Collectables

If you are an uninformed investor, this is where most custodians will try to take advantage of you. If they sell you collectable or numismatic coins instead of the regular bullion eagles they get a higher commission.

If a company tries to sell you these coins to put into your retirement account, consider it a warning signal. Not only are these coins very hard to liquidate, you will end up selling them at a significantly lower value than you purchased them.

The government currently only allows certain precious metals that can be held in a retirement account. For your convenience, here is a chart of IRA approved precious metals:

Purity: .995%+
Purity: .999%+
Purity: .9995%+
Purity: .9995%+

  • Valcambi Gold CombiBar

  • Australian Gold Kangaroo/Nugget coins

  • Johnson Matthey Gold Bar

  • American Gold Eagle coins

  • Austrian Gold Philharmonic coins

  • American Gold Buffalo coins

  • Canadian Gold Maple Leaf coins

  • Credit Suisse Gold Bars

  • Johnson Matthey Silver Bar

  • American Silver Eagle Coins

  • Mexican Silver Libertad coins

  • Royal Canadian Mint Silver Bar

  • Australian Kookaburra Silver coins

  • Canadian Silver Maple Leaf coins

  • Austrian Philharmonic Silver coins

  • Baird Palladium bars

  • Russian Ballerina Palladium coins

  • Credit Suisse Palladium bars

  • Canadian Palladium Maple Leaf coins

  • Isle of Man Noble coins

  • Canadian Maple Leaf Platinum coins

  • Australian Koala Platinum coins

  • American Eagle Platinum bullion coins


Another critical consideration is storage. When the time comes to liquidate your metals, you want to make it as easy as possible.

There are two main types of storage:

  • Co-mingled
  • Segregated

Co-mingled storage means that your precious metals are mixed with others in the vault. This might not be the ideal situation. When you want to liquidate your precious metals, a co-mingled storage could make the process difficult and confusing.

Segregated storage on the other hand is a much better option. It means your precious metals won’t be mixed with others – safely stored in their own area.

Regal Assets offers a flat fee and a segregated storage – another reason why I chose them…


This is another important factor to consider when choosing your gold IRA company.

Here is what I looked at:

  • Lots of Customer Reviews
  • BBB Rating
  • TrustLink Rating
  • Featured in Authority Websites and Magazines link INC. and Forbes

After reviewing all of the above, you should be well prepared to make the final decison decision.

My Personal Recommendation

I can personally only vouch for two companies:

These two companies both have: segregated storage, flat fees, outstanding BBB and Trustlink ratings, IRA approved precious metals and flawless customer support. You can read the full review of the top IRA companies.

You can get a FREE Gold Investment Kit at Regal Assets and Advantage Gold.

Click Here to request it today: