401(k) to Gold IRA Rollover
Start with your existing plan, not a metals dealer. Your plan administrator can tell you whether you currently have a distribution that is eligible for rollover.
A clean sequence
- Confirm distribution eligibility with the 401(k) administrator.
- Choose an IRA custodian that supports qualifying precious metals.
- Complete the direct rollover or other permitted transfer mechanics.
- Only after funds arrive, review specific metals, pricing and storage.
Why direct rollover is often simpler
The IRS says no taxes are withheld when an eligible retirement-plan distribution is sent directly to the receiving plan or IRA. A payment made to you can trigger mandatory withholding and the 60-day deadline.
Related: direct rollovers and the 60-day rule.