The low fee a gold IRA company advertises is the price for pooled metal, mixed into one shared vault. To hold your own segregated metal, the kind we include, they charge a percentage of its value that grows every year the metal does. Here is the honest, like-for-like comparison on the yearly cost to hold your metal.
| Account size | Typical gold IRA, pooled their advertised price | Typical gold IRA, segregated same as ours: 1.50% + admin | MetalsReserve segregated, flat |
|---|---|---|---|
| $30,000 | about $250 | about $550 | $600 |
| $50,000 | about $350 | about $850 | $600 |
| $75,000 | about $475 | about $1,225 | $600 |
Segregated storage at a typical company runs 1.50% of the metal's value plus a base admin fee (the rate at Delaware Depository, the vault these companies use), so it climbs every year the metal grows. Ours is a flat $600 that never changes. Their pooled price is cheaper, but that metal sits in a shared pile, not specifically yours.
At $30,000 their segregated price is a little under ours. They pull even in the mid-$30,000s. From $50,000 up we win by hundreds, and the gap widens every year, because their fee is a percentage that climbs and ours is a flat number that does not. Their cheaper pooled price buys metal in a shared pile, not your own.
Segregated storage included, your own metal in your name. No percentage that climbs, no separate storage invoice, no surprise fees. The first year is $650 with setup folded in, then $600 flat, forever. One bill, from us.
Figures are illustrative, using published storage rates and a representative admin fee on a segregated account. Fees vary by company and account size and change over time. Verify current pricing before you decide.
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