Last reviewed September 7, 2026

Gold IRA FAQ

Is a Gold IRA a special IRS account?

No. It is an industry term for a self-directed IRA that may hold qualifying precious metals.

Can I keep IRA gold at home?

Do not assume so. The federal exception for qualifying bullion includes physical-possession requirements involving a bank or approved non-bank trustee. Get qualified advice before taking personal possession.

Does every gold coin qualify?

No. Exact statutory/product requirements matter.

Can I roll over a 401(k)?

An eligible distribution may be rolled to an IRA, but plan rules and your circumstances determine availability.

Are Gold IRAs risk-free?

No. Precious-metal prices fluctuate, and self-directed IRAs can bring higher fees, liquidity issues and fraud risks.

Sources & further reading