Your 401k to Gold IRA Rollover Guide

What is a Gold IRA Rollover?

american gold eagle bullionA 401k to Gold Rollover allows you to transfer or “rollover” your 401k into a new precious metals IRA that can hold gold, silver, platinum, and palladium, when you change jobs or retire. If you are rolling over directly to an IRA with a trustee-to-trustee transfer, your transfer will be tax-free with no tax liability.  There are no limits on the dollar amount you are rolling over from your previous retirement plan.

It may be tempting to withdraw your 401k, but resist the urge to cash out!  You should use your 401 k to it’s advantage and reap the benefits of having it rollover as you move to another employer.  A 401k to Gold IRA Rollover is a great choice when looking for exposure to precious metals, especially since you aren’t limited to the investments offered by the 401k plan provider.

One of the best parts about rolling over your retirement plan into an gold IRA is that you are in full control of your retirement funds. Choosing to roll the money over to an IRA is best option for those employees who are interested in building up a comfortable retirement fund, as it continues its tax-advantaged status and keep growing for retirement.

A Gold IRA rollover allows you to:

  • Preserve the tax-deferred status of your retirement savings
  • Increase your investment options
  • Move your money out of your former employer’s retirement plan without tax or penalties
  • Take control over your retirement plan
  • Get exposure to alternative investments

When and Why to Rollover:

If you are about to change your job, you need to decide on how to rollover your 401k. If your money is still in your previous employer’s 401k account, it is advisable to swap it into an account where you can manage and control rather than your previous employer making the decisions. Unfortunately, many people get hit with unnecessary penalties by withdrawing their funds, which can affect your retirement plans. So, the best option would be to rollover your 401k.

After you receive a distribution check from your existing retirement account you would then deposit it into a precious metals retirement plan custodial account. You have to move the funds into the new Gold IRA plan account within 60 days. Exceeding the 60 day time period will make you liable for taxes and penalties on the withdrawn money. According to the IRS, to preserve the tax-deferred status of your retirement savings, you can perform a rollover with the same funds only once every 12 months.

Can I do a 401k to Gold IRA Rollover?

Your eligibility is dependent on if :

a) You’re still employed by the same company

b)You have an old 401(k) from a previous employer.

If you have an old 401(k) from a previous employer its a painless process to roll over into physical precious metals. But if you
have a  401(k) with your current employer, the process may be a bit more complicated. Your best bet is to talk with a 401k to Gold Rollover expert if you are unsure if  your plan is eligible to roll over into physical precious metals.


Q. What is the Best Gold IRA Company?
A. Regal Assets remains the top rated firm.

Q. Can I store my gold in my home?
A. No. Your metals must be stored in approved facility.

Q. Can I take possession of my precious metals when I desire?
A. Yes, but you may owe taxes and penalties for early withdrawal.

Q. Are there tax ramifications?
A. There should be no tax penalties if IRS guidelines are followed.

Q. What precious metals can I own in my Gold IRA?
A. You may hold the following bullion:


  • American Gold Eagle
  • American Gold Eagle
  • Canadian Gold Maple Leaf
  • Austrian Gold Philharmonic
  • Australian Kangaroo/Nugget
  • Chinese Gold Panda
  • American Gold Buffalo uncirculated coins


  • American Silver Eagle
  • American Silver Eagle
  • Mexican Libertad
  • Canadian Silver Maple Leaf
  • Austrian Silver Philharmonic
  • Australian Silver Kookaburra
  • Chinese Silver Panda


  • American Platinum Eagle
  • American Platinum Eagle
  • Australian Platinum Koala
  • Australian Platinum Emperor Penguin
  • Canadian Platinum Maple Leaf


  • Canadian Palladium Maple Leaf

Note: Other bars and rounds are permitted  and all bullion must meet with IRS issued requirements of fineness.

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