Rollover Library
Gold IRA rollover guides, account by account
Every retirement account rolls into gold a little differently. Pick your account or plan provider for a step-by-step walkthrough with the eligibility, tax, and penalty nuances that apply to it.
Employer plan
Workplace plans — the most common rollover starting points.
Roll Over a 401(k) into a Gold IRA
A 401(k) is the most common starting point for a gold IRA rollover. Here is exactly how the transfer works, who qualifies, and how to keep it tax-free and penalty-free.
Roll Over a 403(b) into a Gold IRA
A 403(b) for teachers, healthcare, and nonprofit workers rolls into a self-directed gold IRA the same way a 401(k) does. Here is the process, eligibility, and tax treatment.
Roll Over a 457(b) into a Gold IRA
Governmental 457(b) deferred-compensation plans can usually roll into a self-directed gold IRA after you separate. Non-governmental 457(b) plans are a notable exception.
Roll Over a TSP into a Gold IRA
The Thrift Savings Plan is the federal government's 401(k). After you separate from service, your TSP can roll into a self-directed gold IRA tax-free.
IRA
Existing IRAs transfer directly, with no taxable distribution event.
Move a Traditional IRA into a Gold IRA
An existing Traditional IRA transfers into a self-directed gold IRA with no distribution event — the simplest of all rollover paths.
Move a Roth IRA into a Gold IRA
A Roth IRA can hold physical gold too — transfer it into a self-directed Roth gold IRA and keep your tax-free growth intact.
Move a SEP IRA into a Gold IRA
A SEP IRA — popular with the self-employed and small businesses — transfers into a self-directed gold IRA like any other traditional IRA.
Move a SIMPLE IRA into a Gold IRA
A SIMPLE IRA can move into a self-directed gold IRA — but the well-known two-year participation rule is the key nuance to get right.
Provider 401(k)
Plan-administrator-specific walkthroughs for major recordkeepers.
Roll a Fidelity 401(k) into a Gold IRA
If your employer's 401(k) is administered by Fidelity, you can roll it into a self-directed gold IRA. Here is how the transfer works with Fidelity as the releasing provider.
Roll a Vanguard 401(k) into a Gold IRA
Have a 401(k) on Vanguard's platform? You can roll it into a self-directed gold IRA. Here is how the direct transfer works with Vanguard as the releasing provider.
Roll an Empower 401(k) into a Gold IRA
Empower administers many large employer 401(k) plans. Here is how to roll an Empower-administered 401(k) into a self-directed gold IRA.
Reference
The rules behind every rollover
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