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Your Precious Metals "Checking Account"

It is smart to diversify your precious metals into two categories. The first category is your "checking account," which is bullion that hasn't been certified to have any unique numismatic value. This part of your portfolio can be accessed more quickly than your savings account items by selling it for a value linked to the current spot price. The value of this portion of your portfolio will rise and fall with the current market price of the metal, and offers you diversification from your Dollar-based investments.

Your precious metals "checking account" works like an insurance policy. Should the stock market or the Dollar face a crash, the value of your precious metals will increase to help compensate you for your losses in your Dollar-based investments. Because gold and silver have been accepted as having value for thousands of years, this is an "insurance policy" that you can cash out of at any time.

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Your Precious Metals "Savings Account"

Your precious metals "savings account" consists of investment-grade rare coins that have been certified to have numismatic value above and beyond their metal melt value. Because they have value as rare coins, they are not affected by changes in the spot price of gold and silver to the extent that bullion (your precious metals "checking account") is. This offers you further diversification both from the ups and downs of the traditional markets and from the ups and downs of the precious metals markets.

While investment-grade coins are more stable than bullion, they can take longer to liquidate. As a result, they should be considered part of a long-term buy-and-hold strategy.

Contact us now so that we can advise you on which coins are most likely to increase in numismatic value. Don't be taken advantage of by unscrupulous coin dealers. Go with a dealer you can trust -- one with an A+ BBB rating. Call now 800-257-3253.

GOLD:   1327.80  3.86 

   SILVER:   15.92  0.1

   PLATINUM:   844.28  18.18

   PALLADIUM:   1497.61  23.44

Free Consultation! 800-257-3253

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Before You Buy Gold Read This
Bullion vs Rare Coins
Non-Correlated Portfolios
Not All Gold Is Created Equal
Silver as an Investment
Declining Value of Dollar
Historical Charts
Precious Metals Reporting Requirements
Grading of Coins
How Rare is Your Gold Eagle?
How Rare is Your Buffalo?
How Rare is your Silver Eagle?
Gold Commemorative Rarity
Precious Metals Market News
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12 Problems With the U.S. Economy

Government Sets It's Sights on Private Retirement Accounts

The Dollar as the Reserve Currency
The U.S. (and World) Debt Crisis
The Cycle of U.S. Economic Crashes
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Precious Metals IRAs

The governments of the world are committed to devaluing the world's currencies. Former Federal Reserve Chair Alan Greenspan said in October 2014, "The Fed's balance sheet is a pile of tinder, but it hasn't been lit ... inflation will eventually have to rise." Greenspan also said in February 2015 that U.S. stocks are "without a doubt extremely overvalued." In 2013 the Governmant Accounting Office said the U.S. "is on an unsustainable fiscal path." In 2010 former Fed Chair Ben Bernanke said U.S. debt levels were "unsustainable," and our national debt has increased dramatically since then. Portfolio diversification is important now more than ever, and precious metals have been a time-tested way to store wealth for thousands of years.

Under these conditions it makes sense to diversify a portion of your portfolio into precious metals. Precious metals have become a popular alternative for assets held in IRA, 401(k), 403(b), and Pension Plans. Transferring funds into a precious metals IRA is a government approved, tax-free and penalty-free transfer. Call our offices today to make the transfer and insure your portfolio.

Investing in gold should not be done for the purpose of seeing returns so much as to protect your overall portfolio. While "traditional" investments can be left to make their traditional gains, investing 15-30% of your IRA in precious metals serves to help insure your portfolio against a drop in the value of the dollar.

As the joke goes, when the economist was asked how he was doing he responded, "compared to what?" When considering how our investments are performing it is important to look at the entire picture. The number of dollars in your account may be rising, but their overall purchasing power may be decreasing. Are your investments keeping up with the rising costs of commodity prices such as medical, food, and education costs?

How To Get Started

Client Steps:

1. Establish a new Precious Metals Self Directed IRA Custodian
2. Fund your IRA or transfer assets (rollover) from an existing IRA or 401K
3. Call the RPMEX and place your precious metals order. Toll free: (800) 257-3253
4. Receive order invoice from the RPMEX
5. Sign your invoice and fax it to Custodian

Self Directed IRA Services, Inc. and RPMEX Steps:

6. Custodian pays the RPMEX and sends shipping instructions
7. The RPMEX then ships your precious metals to the insured depository
8. The depository then verifies and stores client's precious metals

Documents From Our Custodian

Self-Directed IRA Application - For Precious Metals Accounts
Link to New Account Application Online


Can I "transfer" my existing IRA into precious metals?
Yes, as long as the asset is transferred directly from one IRA custodian to another. After completing the direct transfer, you simply begin receiving statements from your new precious metals IRA custodian. This process typically takes 2 - 4 weeks to complete.

Can I "rollover" my IRA into precious metals?
The term "rollover" typically applies when an employee has separated from his or her employment. The employee is then eligible to roll his or her assets out of the IRA or 401(k) into a precious metals IRA. This process typically takes 7 - 14 days to complete

Can I add to my IRA when I transfer it?
An individual may make an eligible IRA contribution within the federal guidelines established by the Internal Revenue Service. See IRS Publication 590.

Can I start a new IRA?
Yes. The most powerful benefit of an IRA account is that it allows investments to grow on a tax-deferred basis in a traditional IRA or a tax-free basis in a Roth IRA. By utilizing these tax advantages, an investor is capable of seeing growth beyond that of similar investments made outside an IRA.

Anyone who is under age 70.5 and has earned income is eligible for a Traditional IRA.

For a Roth IRA, an individual may contribute up to 100% of compensation or $5,000, whichever is less. In addition, individuals that attain age 50 by December 31 2010 may make a catch-up contribution of $1,000. Keep in mind that contributions made to both a Roth IRA and traditional IRA may not exceed the annual maximum limit.

Any employer or self-employed individual may establish a SEP IRA. An employee is eligible if the employee has reached age 21, worked for the employer for at least 3 of the last 5 years, and has at least $550 in compensation from the employer. Contributions of up to 25% of each employee's compensation, or $49,000, may be made into a SEP IRA. The maximum compensation that may be considered for 2010 is $245,000.

How are my precious metals stored?
Your precious metals are held by a depository regulated by the Internal Revenue Service and the Department of Labor. The depository is covered by insurance for errors and omissions and for a financial institution fidelity bond.

What costs are associated with a precious metals IRA?
Self-directed precious metal accounts have a set up of fee of $50 and flat annual fees of $75 for the IRA and $125 for storage. There are no transaction fees for purchases, sales or exchanges of precious metals.

What types of metals products are eligible to be held in an IRA?
American Eagle
Pamp/Credit Suisse Bars .999 Fine
Canadian Maple Leaf
Austrian Philharmonics
Australian Nugget/Kangaroo
U.S. Buffalo Uncirculated version
Gold Bars-.995+Fine that are accredited by Comex/Nymex

American Eagle
Austrian Philharmonic
Australian Kookaburra
Canadian Maple Leaf
Silver Bars-.999+ Fine that are accredited by Comex/Nymex

American Eagle
Australian Koala
Canadian Maple Leaf
Isle of Man Noble Coins
Platinum Bars-.9995+Fine that are accredited by Comex/Nymex

Bars that are .9995+ Fine that are accredited by Comex/Nymex

What types of metals products are not eligible to be held in an IRA?
Rare or Collectible Coins
Austrian 100, 20 and 10 Corona
Hungarian 100 Korona
Belgian 20 Franc
Italian 20 Lira
British Britannia
Mexican 50, 20, 10, 5, 2 1/2, and 2 Peso
Chilean 100 Peso
Columbian 5 Peso British Sovereign
South African Krugerrand
Dutch 10 Guilder
Swiss 20 Franc
French 20 Franc

Can I put precious metals I already own into my precious metals IRA?
No. Metals must be purchased through a wire transfer or transfer of an existing IRA to the depository.

What happens when my IRA matures?
You can either take physical delivery of the precious metals or liquidate the assets through RPMEX for cash.