Precious Metals IRA
Put Physical Precious Metals Inside Your Retirement Strategy.
A self-directed IRA can provide eligible investors with a way to own qualifying physical gold, silver, platinum and palladium within a tax-advantaged retirement structure.
Corventa Metals helps coordinate the precious-metals side of the process—from understanding eligible products and transaction pricing to working with the appropriate IRA custodian and qualified storage provider.
A Retirement Account.
With Physical Assets Inside.
A Precious Metals IRA is a type of self-directed individual retirement account that can hold certain qualifying physical precious metals rather than being limited exclusively to traditional financial assets.
The IRA structure remains subject to applicable retirement-account and tax rules. The primary difference is the asset held inside the account. Instead of owning only securities or cash equivalents, an eligible self-directed IRA may hold qualifying physical:
You own physical precious metals.
The IRA owns them for your benefit.
Why Include Physical Precious Metals?
TANGIBLE OWNERSHIP
Physical precious metals are real assets rather than claims on a corporate issuer.
DIVERSIFICATION
Precious metals can behave differently from stocks, bonds and other financial assets.
PRECIOUS-METALS EXPOSURE
Physical ownership provides direct exposure to the underlying metals rather than ownership of a mining company or other metals-related security.
LONG-TERM OWNERSHIP
An IRA structure can be used by eligible investors seeking to hold qualifying physical metals as part of a longer-term retirement strategy.
MULTIPLE METALS
Eligible retirement structures can provide access to qualifying gold, silver, platinum and palladium products.
Precious metals can rise or fall in value and may not be appropriate for every investor.
The objective is diversification and physical ownership—not a promise of safety or performance.
From Retirement Assets to Physical Metals.
ESTABLISH THE APPROPRIATE SELF-DIRECTED IRA
The investor establishes an eligible self-directed retirement account with an appropriate IRA custodian.
FUND THE ACCOUNT
Funding may occur through an eligible transfer, rollover, or contribution, depending upon the investor's circumstances and applicable rules.
SELECT ELIGIBLE PRECIOUS METALS
Corventa helps the client understand available IRA-eligible physical gold, silver, platinum and palladium products.
EXECUTE THE PURCHASE
The IRA purchases the selected eligible metals through the appropriate transaction process.
QUALIFIED STORAGE
IRA-owned physical precious metals are held through the appropriate qualified depository/storage arrangement rather than treated as personally held metals.
One Transaction.
Three Distinct Roles.
IRA CUSTODIAN
The custodian administers the self-directed retirement account and handles applicable account records, reporting and retirement-account administration.
CORVENTA METALS
Corventa provides precious-metals education, product access, pricing, transaction execution and metals-related client support.
QUALIFIED DEPOSITORY
The depository provides secure storage for IRA-owned physical precious metals under the applicable custody structure.
Corventa helps coordinate the precious-metals process so the client doesn't have to navigate each step alone.
Corventa Metals is a precious-metals dealer. Corventa is not the IRA custodian, is not the depository, and does not provide tax or legal advice.
Not Every Coin or Bar Belongs in an IRA.
Federal requirements limit the types and purity of physical precious metals that can generally be held in an IRA.
| Metal | General Purity Standard |
|---|---|
| Gold | Generally 99.5% minimum fineness, subject to applicable exceptions and eligibility requirements. |
| Silver | Generally 99.9% minimum fineness. |
| Platinum | Generally 99.95% minimum fineness. |
| Palladium | Generally 99.95% minimum fineness. |
Eligibility depends on more than metal content alone. Specific coins and bars must satisfy applicable requirements, and certain products may qualify under statutory exceptions. Corventa can help identify products intended for use in eligible Precious Metals IRA transactions.
Contact Corventa to discuss currently available IRA-eligible products. We do not publish product eligibility data that has not been verified.
IRA Ownership and Personal Ownership Are Not the Same Thing.
Precious Metals IRA
Ownership
Held within the retirement account.
Funding
Eligible retirement assets or contributions.
Storage
Appropriate qualified IRA storage structure.
Tax Treatment
Subject to applicable IRA rules.
Access
Subject to retirement-account rules and restrictions.
Primary Purpose
Physical precious-metals exposure inside a retirement structure.
Direct / Personal Ownership
Ownership
Personally owned.
Funding
Personal funds.
Storage
Client-selected delivery or storage arrangement.
Tax Treatment
Outside the IRA structure.
Access
Direct ownership subject to the chosen storage arrangement.
Primary Purpose
Personally owned physical precious metals.
Not sure which structure fits your objective?
This comparison is educational only and does not constitute individualized tax advice.
Already Have Retirement Assets?
Some investors fund a self-directed Precious Metals IRA using eligible retirement assets. Depending upon the account type and individual circumstances, funding may potentially involve:
Eligibility, tax treatment and rollover rules depend on the investor's specific account and circumstances. Corventa does not provide tax or legal advice. Clients should consult their tax professional, financial professional and IRA custodian when appropriate.
The IRA Is the Structure.
The Metals Still Matter.
Two IRA-eligible precious-metals products containing the same amount of metal can have very different transaction economics. Corventa considers factors including:
IRA eligible doesn't automatically mean economically attractive.
Our objective is to help clients understand both what they are buying and the transaction economics associated with physical ownership.
Understand the Cost Before You Buy.
Physical precious metals are generally purchased at a price above the underlying spot value of the metal. That difference can include fabrication, distribution and dealer economics. Precious Metals IRAs may also involve separate custodian and storage fees.
Clients should understand:
A Precious Metals IRA Should Not Be a Black Box.
Where Are IRA-Owned Metals Stored?
Precious metals owned by an IRA require an appropriate custody and storage structure consistent with applicable retirement-account rules.
A qualified depository provides secure physical storage while the IRA custodian maintains the retirement-account administration.
Specific depository relationships, storage locations, insurance limits, segregated-storage availability, fees, and security features depend on the qualified provider selected and applicable arrangements. Verified details can be provided when available.
Think About the Exit Before You Buy.
Eventually, an investor may decide to rebalance, take a distribution where permitted, or liquidate some or all of the metals held within the IRA.
Product liquidity matters. Premiums paid when purchasing physical products are not guaranteed to be recovered when those products are sold. That is why Corventa considers liquidity and potential resale characteristics as part of the original product-selection discussion.
The relationship shouldn't end when the metals are purchased.
Corventa remains available to assist with precious-metals liquidation and transaction support when the time comes.
Common Questions
Precious Metals IRA
Ready to Explore Physical Metals Inside Your Retirement Strategy?
We'll help you understand the process, ownership structure, eligible metals and transaction considerations before you decide whether to proceed.
Physical precious metals involve risk and can decline in value. Precious Metals IRAs may involve transaction costs, product premiums, custodian fees and storage expenses. Eligibility and tax treatment depend on individual circumstances and applicable rules. Corventa Metals is a precious-metals dealer and does not provide individualized legal or tax advice. Investors should consult appropriate financial, tax and legal professionals when necessary.