Gold IRA for Retirees
Retirees often care more about liquidity and distribution mechanics than workers with decades before withdrawals. That can make physical-asset friction more important.
Three questions to prioritize
- How much cash might you need from the portfolio in the next several years?
- How will RMDs be funded if the IRA holds mostly physical metals?
- What recurring custody/storage fees will continue regardless of metal performance?
Concentration matters
Moving a large share of retirement savings into a single non-income-producing asset can increase portfolio risk. Consider the decision in the context of your entire retirement plan.