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While stocks and bonds can be subject to potentially sizable market fluctuations, gold has a track record of offering performance and diversification benefits — even amid global conflicts and other challenging scenarios.
Yet a number of portfolio holders do not realize they can incorporate precious metals into their retirement planning with a self-directed individual retirement account (IRA), says U.S. Money Reserve President Philip N. Diehl, who previously served as the 35th Director of the U.S. Mint.
“I’ve been amazed by how many well-informed people have no idea they can put precious metals into an IRA,” Diehl said. “Gold is security in the face of economic and political storms, and it has been for hundreds, if not several thousand, years. Absolutely, gold should be part of a balanced portfolio that ensures that your assets and your wealth are protected, come what may.”
Several U.S. Money Reserve reviews and testimonials mention that customers have chosen to make precious metals assets part of their portfolio because of their intrinsic value and durability.
In a video featured on U.S. Money Reserve’s website, one portfolio holder, Katie, says the national debt and value of the U.S. dollar were factors in her decision to purchase gold to help financially protect her family, which includes two daughters, thirteen grandchildren, and four great-grandchildren.
“It’s a tangible, hands-on inheritance, whereas your dollar is backed by nothing,” Katie says. “It’s just paper. Of course, nothing is without risk; that being said, I feel by diversifying with precious metals, I am covering my bases. You need a whole basketful of different ways of preserving or creating wealth. Gold and silver [are] a way of doing that.”
Integrating Precious Metals Into a Portfolio
Adding gold or other precious metals to your portfolio involves several distinct steps.
First, you’ll need to set up a self-directed IRA if you do not already have one. A self-directed IRA is a financial account that lets you save for retirement using assets one might include in a conventional IRA, such as stocks and bonds, but it also allows you to add nontraditional assets, including physical precious metals.
Like a conventional IRA, a self-directed IRA has contribution limits and offers tax advantages. A self-directed IRA, however, also allows you to take a more active role in preparing for retirement. The custodian for your IRA essentially serves as your account administrator. Once you’ve funded your IRA, you work with a precious metals provider to select the metals for your account and instruct the custodian to purchase the items on your behalf; you direct how you want your designated IRA assets to be allocated and managed.
A U.S. Money Reserve IRA Account Executive can walk you through the steps involved in opening and funding a self-directed IRA.
After completing an application to create the account, you can fund it with money from a checking or savings account or by transferring or rolling over funds from another type of retirement account, such as a 401(k), SEP/SIMPLE IRA, or Thrift Savings Plan account.
Your U.S. Money Reserve Account Executive can then help you select your inventory of IRA-eligible precious metals coins, bars, or rounds — gold items, for example, must generally have a fineness of at least 0.995 — and arrange for the assets to be delivered to a secure remote storage facility, as required by the Internal Reserve Service
U.S. Money Reserve reviews indicate that portfolio holders appreciate the company’s assistance with the process. In a review posted on the Better Business Bureau website, for instance, Robert E. thanks U.S. Money Reserve for helping him establish an account:
“Having someone watch over what is going on and helping me to diversify my portfolio is priceless,” Robert says. “The help I received in…setting up my precious metals [IRA] was handled well and makes me sleep comfortably knowing I was able to lock in my life savings.”
The Role U.S. Money Reserve Can Play
For more than two decades, U.S. Money Reserve has assisted portfolio owners with establishing diversification plans that specifically address their individual goals. Since its founding in 2001, the company has grown to be one of the largest distributors of government-issued gold, silver, platinum, and palladium in the United States. To date, it has served more than 785,000 clients and shipped more than $2.5 billion in precious metals.
U.S. Money Reserve’s services include a unique buyback commitment allowing customers to return qualifying coin purchases within 30 days or potentially sell them to U.S. Money Reserve at a later time.
The precious metals provider offers a number of informational resources to help portfolio holders increase their financial literacy and stay informed about the precious metals industry. The materials — which include special reports, diversification informational guides, news updates, and price charts — are available at no cost on U.S. Money Reserve’s website.
As several U.S. Money Reserve reviews mention, the organization’s Account Executives are also available to personally answer portfolio holders’ questions.
Eric L. contacted U.S. Money Reserve because he was interested in learning about precious metals. In a post on the Better Business Bureau website, Eric says he is pleased with the information provided by the U.S. Money Reserve representative he spoke with:
“[He] explained how gold and silver would help anchor my portfolio against the [ups] and downs of the stock market,” Eric says. “I appreciate his answers to [my] many questions and the helpful information sent to my home and emails.”
After his first precious metals purchase, Eric says he was considering buying more assets:
“My experience was a good one,” another U.S. Money Reserve customer, Paul V., says in a review shared on the Better Business Bureau site. “Always, no matter whom you talk with, all are helpful and knowledgeable, professional and courteous.”
U.S. Money Reserve reviews customers have written about their experiences working with the company “express overwhelming satisfaction with the company’s service,” according to Finance Digest. In fact, some say the organization is the only precious metals distributor they’ll consider working with.
To find out more about precious metals–backed IRAs — and view a selection of U.S. Money Reserve’s available inventory of certified coins, government-issued bullion, bars, and other items — visit its website.
If you’d prefer to speak with someone on the phone about your current portfolio status and plans for the future, you can also call 1-888-356-7074.
