Looking to protect your retirement savings from market ups and downs? A Gold IRA from Regal Assets might be the solution you need. This investment option lets you hold physical gold in a tax-advantaged retirement account.
Regal Assets helps investors diversify their retirement portfolios with precious metals, potentially providing stability during economic uncertainty. They specialize in helping people roll over existing retirement accounts into Gold IRAs while staying compliant with IRS regulations.
Many investors turn to gold as a hedge against inflation and currency devaluation. With Regal Assets, the process of setting up a Gold IRA is streamlined, making it accessible for those looking to safeguard their retirement funds with tangible assets.
Understanding Gold IRAs
Gold IRAs offer investors a way to include precious metals in their retirement strategy while maintaining tax advantages. These specialized accounts have become increasingly popular for those seeking protection against market volatility and inflation.
Benefits of a Gold IRA
Gold IRAs provide several key advantages for retirement planning. First, they offer portfolio diversification beyond traditional stocks and bonds, which can reduce overall investment risk.
During economic uncertainty, gold often maintains or increases in value when other assets decline. This hedge against inflation helps protect purchasing power as the dollar weakens.
Gold IRAs also provide the same tax benefits as traditional IRAs. Depending on the account type, investors can enjoy tax-deferred growth or tax-free withdrawals in retirement.
Physical gold ownership gives investors tangible assets they can see and touch, unlike paper investments. This provides peace of mind for those concerned about financial system stability.
How Gold IRAs Work
A Gold IRA functions as a self-directed IRA that holds physical precious metals instead of paper assets. The IRS requires these accounts to be managed by an approved custodian who handles transactions and ensures compliance.
Not all precious metals qualify for inclusion. The IRS mandates specific purity standards:
- Gold: 99.5% pure
- Silver: 99.9% pure
- Platinum and palladium: 99.95% pure
Approved metals must be stored in an IRS-approved depository, not in an investor’s home. Custodians handle the purchase, transfer, and storage arrangements.
Contribution limits follow standard IRA rules ($7,000 annually for those under 50 and $8,000 for those 50+ in 2025). Distributions typically begin at age 73, with penalties for early withdrawals.
Comparing Traditional and Precious Metals IRAs
Traditional IRAs invest primarily in stocks, bonds, and mutual funds, while Gold IRAs focus on physical precious metals. This fundamental difference impacts risk profiles and growth potential.
Growth potential: Traditional IRAs may offer higher returns during bull markets, while Gold IRAs typically provide more stability during economic downturns.
Fees and costs: Gold IRAs generally have higher fees, including:
- Setup fees
- Storage costs
- Insurance premiums
- Custodian maintenance fees
Liquidity considerations also differ. Traditional IRAs offer easy selling of assets, while physical metals may take longer to liquidate in a Gold IRA.
Both account types offer valuable tax advantages but serve different purposes in retirement planning. Many investors choose to maintain both types to create a balanced approach to retirement security.
Regal Assets Gold IRA Review – An Overview
Regal Assets stands as a prominent player in the precious metals IRA industry, known for its specialized focus on gold and other precious metals investments. The company has built its reputation through personalized customer service and educational resources for investors.
History and Founding by Tyler Gallagher
Tyler Gallagher established Regal Assets in 2009 during a period of economic uncertainty following the 2008 financial crisis. The company began as a small operation focused on helping investors protect their wealth through precious metals. Gallagher, who serves as CEO, built the firm with a vision of making alternative assets more accessible to average investors.
Under his leadership, Regal Assets expanded from its headquarters in California to establish an international presence with offices in Canada, the UK, and the United Arab Emirates. The company achieved significant growth milestones, including being recognized on the Inc. 500 list of fastest-growing private companies in America.
Gallagher himself gained industry recognition when he was accepted into the Forbes Finance Council, an invitation-only community for executives in the financial services industry.
Service Offerings
Regal Assets specializes in precious metals IRAs that allow investors to hold physical gold, silver, platinum, and palladium in tax-advantaged retirement accounts. The company handles the entire process from account setup to metals selection and secure storage.
Their Regal IRA product enables investors to include both precious metals and cryptocurrencies in a single retirement account. This unique offering distinguishes them from many competitors in the market.
The firm provides segregated storage options through partnerships with Brinks and other high-security facilities. All metals purchased through Regal Assets are guaranteed to be delivered within 7 business days.
Investors can begin with a minimum investment of $10,000 for retirement accounts. The company also offers flat-fee pricing rather than scaling fees based on investment size.
Industry Reputation
Regal Assets has maintained an A+ rating with the Better Business Bureau for over a decade. This rating reflects their commitment to resolving customer complaints and maintaining ethical business practices.
The company has received numerous endorsements from financial publications including Forbes, Smart Money, and The Huffington Post. These endorsements often highlight their transparent fee structure and quality customer service.
Customer reviews frequently mention the company’s knowledgeable representatives who avoid high-pressure sales tactics. Their investor education materials are noted for presenting balanced information about precious metals investing.
Regal Assets provides a buyback guarantee on all metals purchased through their platform, which adds an additional layer of security for investors concerned about liquidity.
Investment Options with Regal Assets
Regal Assets offers a diverse range of investment products for IRA accounts, including precious metals and digital assets to help investors build a balanced portfolio.
Bullion Coins and Bars
Regal Assets provides access to various premium gold bullion products for IRA investments. Investors can choose from popular gold coins like American Eagle, Canadian Maple Leaf, and South African Krugerrand. These government-minted coins are recognized worldwide for their purity and authenticity.
The company also offers Austrian Philharmonic, Chinese Panda, and Britannia coins, all IRS-approved for gold IRAs. Each coin contains a specific gold weight and purity level that meets retirement account standards.
For those preferring higher volume investments, gold bullion bars are available in various weights from 1 oz to 1 kg. These bars typically offer slightly lower premiums than coins, potentially maximizing the amount of gold in an investor’s portfolio.
All bullion products are stored in secure, IRS-approved depositories to maintain their tax-advantaged status.
Cryptocurrency Investment
Regal Assets was among the first gold IRA companies to incorporate cryptocurrency options into retirement accounts. Their crypto IRA platform allows investors to hold Bitcoin alongside traditional precious metals.
The company supports major cryptocurrencies including:
- Bitcoin (BTC)
- Ethereum (ETH)
- Litecoin (LTC)
- Bitcoin Cash (BCH)
Investors can allocate portions of their retirement funds to digital assets without creating separate accounts. This integration provides a streamlined approach to portfolio diversification.
Regal Assets employs cold storage security protocols for cryptocurrency holdings, addressing common concerns about digital asset security. Their platform also facilitates the conversion between crypto and precious metals within the same IRA account.
Alternative Assets for Diversification
Beyond gold and cryptocurrencies, Regal Assets offers additional alternative investments to enhance portfolio diversification. Silver bullion products serve as more affordable precious metal options with industrial demand factors.
Platinum and palladium are also available for investors seeking exposure to metals with significant industrial applications. These metals often move independently from gold, providing additional diversification benefits.
The company provides access to:
| Asset Type | Examples | Key Benefits |
|---|---|---|
| Silver | American Silver Eagles, Canadian Maple Leafs | Affordability, industrial demand |
| Platinum | Platinum Eagles, Platinum Bars | Rarity, industrial applications |
| Palladium | Palladium Maple Leafs | Supply constraints, automotive sector exposure |
These alternative assets allow investors to create more nuanced precious metals allocations based on their risk tolerance and market outlook.
Starting a Gold IRA with Regal Assets
Regal Assets offers a straightforward process for investors seeking to diversify retirement portfolios with precious metals. Their service includes simplified rollovers, secure storage solutions, and transparent fee structures designed to protect your investment.
The Process of IRA Rollovers
Regal Assets specializes in helping clients transfer existing retirement funds into Gold IRAs through a tax-free rollover process. This begins with completing their application form, which can be done online or with assistance from their specialists.
Once paperwork is submitted, Regal Assets coordinates directly with your current IRA custodian. This eliminates the need for you to manage complex transfer requirements yourself.
The company follows IRS guidelines carefully to ensure your rollover remains tax-free and penalty-free. Transfers typically complete within 7-10 business days.
For those with 401(k)s from former employers, Regal Assets can help convert these funds to Self-Directed IRAs that allow precious metals investments.
Selecting Secure Storage Options
Regal Assets offers segregated storage for Gold IRA assets, meaning your metals are stored separately from other investors’ holdings. This provides added security and clear ownership verification.
Their primary storage partner is Brink’s, a globally recognized security company with advanced facilities in various locations. These depositories feature:
- 24/7 surveillance
- Armed guards
- Insurance coverage up to $1 billion
- Disaster-proof vaults
Clients can choose between domestic and international storage options. Singapore and Dubai locations are available for investors concerned about geographic diversification.
Annual audits verify all metals, with detailed reports provided to clients. Storage facilities maintain compliance with IRS requirements for precious metals IRAs.
Understanding Fees and Costs
Regal Assets maintains a straightforward fee structure without hidden charges. Their annual fees typically include:
| Fee Type | Amount |
|---|---|
| Setup Fee | $0 (waived) |
| Annual Storage | $150 flat rate |
| Annual Administration | $100 |
Unlike some competitors who charge scaling fees based on account value, Regal Assets uses flat fees. This approach becomes increasingly cost-effective as your portfolio grows.
Minimum investment requirements start at $10,000 for new accounts. This threshold is competitive within the industry standard range of $5,000-$25,000.
The company occasionally offers promotions that include covered fees for the first year. Client reviews frequently highlight their reasonable fee structure as a key advantage.
Regal Assets Customer Experience
Clients investing with Regal Assets can expect dedicated attention throughout their gold IRA journey. The company puts significant focus on building relationships with investors while providing resources to help them make informed decisions.
Personalized Customer Service
Regal Assets assigns a dedicated account executive to each client, creating a one-on-one relationship throughout the investment process. This personalized approach helps investors navigate the complexities of precious metals IRAs with expert guidance.
The company offers free consultations to potential clients, allowing investors to ask questions and receive tailored advice before making any commitments. These consultations typically last 15-20 minutes.
Customer service representatives are available by phone, email, and live chat during business hours. Many clients report quick response times, usually within 24 hours for email inquiries.
Regal Assets simplifies the rollover process by handling paperwork and coordinating with existing IRA custodians, reducing stress for clients transitioning their retirement accounts.
Educational Resources
The company provides a comprehensive Investor Kit free to prospective clients. This kit includes detailed information about precious metals investing, IRA rules, and market trends.
Regal Assets maintains an educational blog with regular updates on market conditions, investment strategies, and economic forecasts. Articles are written in accessible language for investors of all experience levels.
Video tutorials explain key concepts like IRA rollovers, metal selection, and storage options. These visual resources help clients understand complex topics more easily.
The website features a knowledge base addressing common questions about gold IRAs, taxation, and retirement planning. This self-service resource allows investors to research at their own pace.
Interactive tools help clients calculate potential returns and compare different investment scenarios.
Client Testimonials and Reviews
Regal Assets displays verified customer reviews on their website, showcasing experiences from actual clients. These testimonials highlight specific aspects of service that investors found valuable.
The company has maintained an A+ rating with the Better Business Bureau for several years, demonstrating a consistent track record of addressing customer concerns.
Independent review sites show mostly positive feedback, with clients particularly praising:
- Transparent fee structures
- Knowledge of account representatives
- Smooth rollover processes
Some critical reviews mention longer-than-expected delivery times during peak periods, though these appear to be exceptions rather than the norm.
The company actively responds to both positive and negative feedback, showing commitment to maintaining their reputation as a reliable IRA provider.
Safety and Security Measures
Investing in a gold IRA requires proper protection of your assets. Regal Assets implements various security protocols to safeguard investments and comply with industry regulations.
Regal Assets Fraud Protection Efforts
Regal Assets employs multiple layers of security to protect client investments. They use segregated storage for precious metals, ensuring that each client’s assets remain separate from others. This practice prevents commingling of funds and creates clear ownership documentation.
All metals purchased through Regal Assets undergo verification for authenticity and purity. The company works with trusted depositories like Brink’s and Delaware Depository, which maintain insurance coverage for stored assets.
Clients receive regular account statements documenting their holdings. These statements provide transparency and help investors track their precious metals investments over time.
Regal Assets also implements digital security measures to protect client information and prevent unauthorized access to accounts.
Regal Assets and Commodity Futures Trading Commission
The Commodity Futures Trading Commission (CFTC) oversees precious metals dealers to ensure fair practices. Regal Assets operates within the regulatory framework established by the CFTC and other financial authorities.
In the past, some gold IRA companies faced CFTC scrutiny for deceptive practices. While Regal Assets has maintained generally good standing, investors should always verify current regulatory status before investing.
The CFTC provides resources for checking company compliance history. Investors can search the CFTC database for any past actions or complaints involving Regal Assets.
Regulatory oversight adds an important layer of protection for investors considering precious metals IRAs.
Ensuring Safe Investment Transactions
Regal Assets uses secure transaction methods to protect clients during the investment process. They offer insured shipping for physical metals deliveries to approved depositories.
All transactions come with detailed documentation, including certificates of authenticity and transfer records. These documents serve as proof of ownership and investment value.
The company provides a buyback program that offers liquidity options if investors need to sell their metals. This program includes transparent pricing based on current market rates.
Client funds remain in escrow during the transaction process until metals are secured. This practice prevents funds from being misused before the investment is completed.
Investors should always verify insurance coverage limits and storage facility security measures before finalizing their gold IRA investment with any company.
Regal Assets in the Press
Regal Assets has received considerable attention from financial media and market analysts for its gold IRA services. The company’s reputation has been shaped by coverage in respected publications and expert evaluations.
Coverage by Major Financial Publications
Bloomberg has featured Regal Assets in several articles about alternative retirement investments. In a 2023 special report, Bloomberg highlighted the company’s streamlined process for transferring retirement funds into precious metals. The coverage noted Regal Assets’ compliance with IRS regulations for gold IRAs.
MarketWatch included Regal Assets in its 2024 roundup of top gold IRA providers. The publication emphasized the company’s transparent fee structure and storage options. According to MarketWatch data, Regal Assets maintained a high customer satisfaction rating across multiple review platforms.
Financial news outlets have also covered the company’s international expansion efforts. Several publications pointed to Regal Assets’ growth as evidence of increasing interest in gold-backed retirement accounts.
Analysis by Market Experts
Investment analysts have evaluated Regal Assets’ offerings compared to competitors. Precious metals experts noted the company’s selection of IRS-approved gold products specifically suitable for retirement accounts.
Market specialists highlighted Regal Assets’ segregated storage option as a distinguishing feature. This approach keeps clients’ metals physically separate from others’ holdings, potentially offering additional security benefits.
Financial advisors commenting on gold IRAs frequently mention Regal Assets’ educational resources. These materials help investors understand the role precious metals can play in retirement portfolios.
Industry experts have analyzed the company’s buyback program, which provides liquidity options for investors. This feature received positive mentions in several financial forums and expert reviews throughout 2024.
Retirement Planning with Gold IRAs
Gold IRAs offer a valuable option for diversifying retirement savings and protecting against economic uncertainty. These specialized accounts allow investors to hold physical precious metals while maintaining tax advantages.
Integrating Gold IRAs into Your Retirement Portfolio
A balanced retirement strategy often includes various asset types. Gold IRAs can complement traditional retirement accounts like 401(k)s and standard IRAs.
Financial advisors typically recommend allocating 5-15% of retirement funds to precious metals. This allocation helps protect against market volatility without overexposing your portfolio to a single asset class.
To integrate a Gold IRA:
- Roll over funds from an existing retirement account
- Select a reputable custodian like Regal Assets
- Choose which precious metals to include (gold, silver, platinum, etc.)
Investors should examine their current retirement portfolio balance before deciding how much to allocate to gold. Someone nearing retirement might want more protection through gold than a younger investor with decades until retirement.
Long-Term Benefits for Retirement Security
Gold has maintained value over centuries, making it a potential hedge against inflation. When stock markets decline, gold often moves independently or in the opposite direction.
This counter-cyclical movement helps stabilize retirement savings during economic downturns. Many retirees appreciate this stability when living on fixed incomes.
Gold IRAs offer the same tax advantages as traditional retirement accounts. Investors can choose between:
- Traditional Gold IRAs (tax-deductible contributions, taxed withdrawals)
- Roth Gold IRAs (after-tax contributions, tax-free qualified withdrawals)
Physical gold doesn’t generate income like stocks or bonds. However, its potential for preserving purchasing power makes it valuable for retirement security.
During periods of currency devaluation, gold typically retains more value than paper assets. This protection becomes increasingly important as retirement approaches and preservation becomes a higher priority than growth.
Concluding Thoughts on Regal Assets Gold IRA
Regal Assets has established itself as a noteworthy option for investors seeking to diversify their retirement portfolios with precious metals. Their Gold IRA services offer a pathway to include physical gold and other precious metals in retirement planning.
The company provides comprehensive support throughout the setup process, which many investors find valuable when navigating IRS regulations. Their team helps with paperwork, transfers, and selecting appropriate metals for investment.
Key Benefits:
- Portfolio diversification
- Protection against inflation
- Potential hedge during economic uncertainty
- Professional storage solutions
Investors should carefully consider fee structures when evaluating Regal Assets for their Gold IRA needs. Like any investment, precious metals carry both opportunities and risks.
The minimum investment requirement may present a barrier for some potential clients. This threshold typically exceeds that of traditional IRA options.
Diversification remains an important strategy in retirement planning. A Gold IRA through Regal Assets represents one approach to achieving this goal rather than a complete solution.
Market research and consultation with financial advisors remain essential steps before committing to any precious metals investment plan. Each investor’s financial situation and goals are unique.
Frequently Asked Questions
Gold IRAs raise many questions for retirement planners considering precious metals as part of their investment strategy. These common questions address important concerns about benefits, performance, requirements, and tax considerations.
What are the benefits and drawbacks of investing in a gold IRA?
Benefits of gold IRAs include protection against inflation and economic uncertainty. Gold often maintains value when paper assets decline during market volatility.
Physical gold provides portfolio diversification beyond stocks and bonds. This diversification can reduce overall investment risk.
Drawbacks include higher fees compared to traditional IRAs. Gold IRAs typically charge storage fees, insurance costs, and seller’s fees when purchasing metals.
Gold generates no income like dividends or interest. Its value relies solely on price appreciation, which can fluctuate significantly.
How does the performance of a gold IRA compare to traditional retirement accounts?
Gold typically performs differently than stocks and bonds, often moving counter to traditional markets. This inverse relationship makes it valuable during economic downturns.
Historical data shows gold performs well during periods of high inflation or economic instability. However, it may underperform during strong economic growth periods.
Traditional retirement accounts invested in stocks have generally provided higher long-term returns. The S&P 500 has historically outperformed gold over extended periods.
Gold performance should be evaluated as part of a diversified strategy rather than a standalone investment. Most financial advisors recommend allocating only 5-10% of retirement funds to precious metals.
What should potential investors know about the differences between a gold IRA and a regular IRA?
A gold IRA holds physical precious metals rather than paper assets like stocks or bonds. These metals must meet specific purity standards set by the IRS.
Regular IRAs typically offer more investment options including mutual funds, ETFs, and individual securities. Gold IRAs are limited to approved precious metals.
Gold IRAs require a custodian specializing in precious metals and an approved depository for storage. Regular IRAs work with standard financial institutions.
Both account types offer the same tax advantages based on whether they’re structured as Traditional or Roth IRAs. The difference lies in the underlying assets, not the tax treatment.
Are there specific requirements or qualifications necessary to invest in a gold IRA?
Gold IRAs follow the same eligibility requirements as traditional IRAs. Investors must have earned income and adhere to annual contribution limits ($7,000 for 2024, or $8,000 for those 50 and older).
The IRS requires precious metals to meet specific purity standards. Gold must be 99.5% pure, while silver must be 99.9% pure.
Approved metals must be stored in an IRS-approved depository. Home storage of IRA gold is not permitted and can result in penalties.
A specialized custodian must administer the account. Not all IRA custodians handle precious metals, so investors need to select companies specializing in gold IRAs.
What are the tax implications of investing in a gold IRA?
Gold IRAs offer the same tax advantages as traditional IRAs. Traditional gold IRAs provide tax-deferred growth, with taxes paid upon withdrawal.
Roth gold IRAs offer tax-free growth and withdrawals if account requirements are met. Contributions are made with after-tax dollars.
Early withdrawals before age 59½ typically incur a 10% penalty plus ordinary income tax. Required Minimum Distributions (RMDs) apply to traditional gold IRAs starting at age 73.
Physical gold outside an IRA is taxed as a collectible at a maximum rate of 28%, higher than the preferential long-term capital gains rates applied to stocks.
How can an investor assess the credibility and performance record of companies offering gold IRA services?
Check review platforms like Better Business Bureau, Trustpilot, and Business Consumer Alliance for customer feedback. Look for companies with ratings of A+ or above.
Verify company credentials including business licensing and membership in industry organizations like the American Numismatic Association.
Examine fee structures thoroughly. Credible companies provide transparent pricing without hidden charges for storage, insurance, and account setup.
Research the company’s history and longevity in the precious metals industry. Established companies with at least 5-10 years of operation often demonstrate greater stability.
Review their buyback policy terms. Reputable dealers offer fair market value buybacks without excessive fees or restrictions.
