Free tool
Is a gold IRA right for me?
Eight questions, about two minutes. You'll get a straight answer and the reasons behind it. Sometimes the answer is no, and we'll say so.
Question 1 of 8
Your result
From your answers, a gold IRA could fit. If you decide to talk to a company, this is the one we recommend right now. Run the fee calculator first so you'll recognize a fair quote.
Our recommendation
Our recommended gold IRA company
The company we currently recommend to readers who have decided a gold IRA fits their plan, chosen using our published review criteria. Compare its written quote with our fee calculator before you decide.
- Requesting information doesn't commit you to open an account or buy anything
- A specialist from the company will likely contact you; you can ask for answers in writing and take your time
- Ask for every fee, the markup, and the buyback terms in writing before you decide
We are completing our review of gold IRA companies. Until we publish a recommendation, use the 10 questions to ask to compare any company you are considering.
Why we said this
Your next steps
This quiz offers general education based on your answers. It isn't personal financial advice. For advice that covers your whole situation, consider a fee-only fiduciary financial planner.
How this quiz decides
A gold IRA holds physical metal through a specialist custodian. That brings costs most stock-and-bond IRAs don't have. You pay a dealer markup when you buy, storage and custodian fees every year, and a spread when you sell. Those costs hurt most when the account is small or you'll need the money soon.
So the quiz looks at five things: how much you have saved, when you'll need it, how much you already own in metals, how you'd handle a price drop, and whether you have cash set aside for emergencies. For more, see How a gold IRA actually works and When a gold IRA is not a good fit.
Common questions
Do you save my answers?
No. The quiz runs entirely in your browser. We don't see or store your answers, and nothing is sent to any company.
Why does the amount I have saved matter?
Most gold IRA fees are flat dollar amounts each year. On a small account, the same fee eats a much bigger share of your money, and coming out ahead gets harder.
Is there a "right" amount of gold to own?
There's no single number that fits everyone. Some planners talk about small allocations, often 5% to 10% of a portfolio. Your own mix depends on how much income you need, what else you own, and how well you sit through price swings.
What if the result says a gold IRA could fit?
It means nothing you told us rules it out. Before you contact any company, run the fee calculator and read the 10 questions to ask.