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2025 Precious Metals IRA Companies at a Glance
Before diving into detailed reviews, here’s a side-by-side comparison of the top precious metals IRA companies in 2025. This overview highlights key differences in fees, minimum investments, and available metals to help you quickly identify which provider might best suit your needs.
| Company | Minimum Investment | Annual Fees | Metals Offered | BBB Rating | Standout Feature |
| Augusta Precious Metals | $50,000 | $180 (custodian + storage) | Gold, Silver | A+ | Harvard-trained economist consultations |
| GoldenCrest Metals | $25,000 | $225 (all-inclusive) | Gold, Silver, Platinum, Palladium | A | Price match guarantee |
| Noble Gold Investments | $20,000 | $230 ($80 admin + $150 storage) | Gold, Silver, Platinum, Palladium | A+ | Texas depository option |
| Birch Gold Group | $10,000 | $180 (flat rate) | Gold, Silver, Platinum, Palladium | A+ | Transparent fee structure |
| Leer Capital | $5,000 | $280 (setup + annual) | Gold, Silver | A- | Mobile app for tracking |
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GoldenCrest Metals – Best Overall
GoldenCrest Metals stands out among Top Precious Metals IRA firms 2025 for offering the most comprehensive selection of IRS-approved precious metals. Founded in 2015, they’ve quickly built a reputation for product diversity and competitive pricing.
Products and Services
GoldenCrest offers the full spectrum of IRS-approved precious metals: gold, silver, platinum, and palladium. Their extensive catalog includes popular options like American Eagles and Canadian Maple Leafs, as well as harder-to-find platinum and palladium products that many competitors don’t offer.
Their price match guarantee ensures competitive pricing, and their team of metals specialists provides personalized guidance throughout the investment process. GoldenCrest also offers a unique buyback program with a 24-hour price lock guarantee.
Advantages
- Comprehensive selection of all four precious metals
- Price match guarantee
- Transparent all-inclusive fee structure
- 24-hour buyback price lock guarantee
Disadvantages
- Newer company with shorter track record
- Higher annual fees than some competitors
- Limited educational resources compared to Augusta
Fees and Minimum Investment
GoldenCrest requires a $25,000 minimum investment, positioning them in the mid-range of precious metals IRA providers. Their fee structure is all-inclusive at $225 annually, covering administration, storage, and insurance without hidden charges.
Storage and Security
GoldenCrest partners with Brink’s Global Services and the Delaware Depository for secure, IRS-compliant storage. Customers can choose between segregated storage (individual storage of your specific metals) or non-segregated storage (pooled with other investors’ metals of the same type), with appropriate insurance coverage.
Interested in GoldenCrest’s Diverse Metal Selection?
Request a free consultation with a GoldenCrest specialist to learn about their comprehensive precious metals options.
Noble Gold Investments – Best for Storage Options
Noble Gold Investments, founded in 2016, has quickly distinguished itself among Top Precious Metals IRA firms 2025 by offering unique storage solutions, including their exclusive Texas depository option. This provides investors with greater flexibility in how and where their precious metals are stored.
Products and Services
Noble Gold offers a full range of IRS-approved precious metals including gold, silver, platinum, and palladium. Their product selection includes popular government-minted coins and bars that meet IRS purity standards for IRA investments.
What truly distinguishes Noble Gold is their Royal Survival Packs – pre-selected collections of precious metals designed for different investment levels and goals. These curated packages simplify the selection process for new investors while ensuring a balanced precious metals portfolio.
Advantages
- Unique Texas depository storage option
- Royal Survival Packs for simplified investing
- Fast account setup (as little as 24 hours)
- Transparent fee structure clearly displayed online
- Excellent TrustPilot rating (4.9/5)
Disadvantages
- $20,000 minimum investment
- Higher storage fees for segregated storage
Fees and Minimum Investment
Noble Gold requires a $20,000 minimum investment. Their fee structure includes an $80 annual administration fee plus $150 for segregated storage. While not the lowest in the industry, their fees are transparent and clearly explained on their website.
Storage and Security
Noble Gold’s standout feature is their diverse storage options. In addition to partnerships with Delaware Depository and Brink’s Global Services, they offer their own Texas depository facility. This gives investors a choice of geographic locations for storing their precious metals, which can be important for those concerned about diversification of storage risk.
Explore Noble Gold’s Unique Storage Options
Learn about Noble Gold’s Texas depository and their Royal Survival Packs with their free investor guide.
Augusta Precious Metals – Best for Large Accounts
Founded in 2012, Augusta Precious Metals has established itself as the gold standard among Top Precious Metals IRA firms 2025. Their education-first approach and exceptional customer service have earned them consistently high ratings across review platforms and industry recognition.
Products and Services
Augusta specializes exclusively in gold and silver IRAs, focusing on quality over quantity. Their product selection includes American Eagles, Canadian Maple Leafs, and other IRS-approved coins and bars meeting minimum purity standards (99.5% for gold, 99.9% for silver).
What truly sets Augusta apart is their one-on-one web conference with Harvard-trained economist Devlyn Steele, providing personalized education on precious metals investing. Their customer success agents stay with clients throughout their investment journey, from setup through potential distributions.
Advantages
- Zero complaints with BBB and BCA since founding
- Free one-on-one web conference with economist
- Up to 10 years of fees waived for qualifying accounts
- Lifetime support from dedicated customer agents
- Free gold welcome gift for new accounts
Disadvantages
- High $50,000 minimum investment
- Limited to gold and silver only
- No online ordering system
Fees and Minimum Investment
Augusta requires a $50,000 minimum investment, positioning them for serious investors with established retirement savings. While this threshold is higher than competitors, Augusta offsets it by waiving fees for up to 10 years for qualifying accounts. Standard fees include a $180 annual fee covering custodian and storage costs.
Storage and Security
Augusta partners with the Delaware Depository, which provides $1 billion in all-risk insurance through London underwriters. Customers can choose between segregated storage ($150/year) or non-segregated storage ($100/year). All facilities maintain IRS compliance and top-tier security protocols.
Ready to Learn More About Augusta?
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Birch Gold Group – Best for Transparency
Founded in 2003, Birch Gold Group is the most established company on our list of Top Precious Metals IRA firms 2025. With over two decades of experience, they’ve built a reputation for transparency in an industry often criticized for hidden fees and unclear pricing.
Products and Services
Birch Gold Group offers a comprehensive selection of IRS-approved precious metals including gold, silver, platinum, and palladium. Their product lineup includes American Eagles, Canadian Maple Leafs, Australian Kookaburras, and various bars and rounds that meet IRS purity requirements.
What sets Birch Gold apart is their extensive educational resources and their political advocacy for precious metals investing. They regularly publish market analyses and have been featured on major news networks discussing economic trends and precious metals investing strategies.
Advantages
- Most established company (20+ years)
- Transparent flat-rate fee structure
- Lower minimum investment ($10,000)
- Extensive educational resources
- Free gold bar with $10,000+ purchase
Disadvantages
- Account setup can take up to a month
- Flat fee structure less beneficial for smaller accounts
- Lower TrustPilot score than some competitors
Fees and Minimum Investment
Birch Gold Group requires a $10,000 minimum investment, making them more accessible than higher-threshold competitors. Their fee structure is a flat $180 annual fee regardless of account size, which benefits investors with larger balances but may be less cost-effective for those with smaller accounts.
Storage and Security
Birch Gold Group partners with Delaware Depository and Brink’s Global Services for secure, IRS-compliant storage. Customers can choose between Equity Trust Company and STRATA Trust Company as custodians. Their storage facilities offer up to $1 billion in insurance coverage through Lloyd’s of London.
Appreciate Transparency in Your Investments?
Get Birch Gold Group’s comprehensive information kit and learn about their clear fee structure.
Leer Capital – Best for Small Investors
Leer Capital stands out among Top Precious Metals IRA firms 2025 for its accessibility to smaller investors, with the lowest minimum investment requirement on our list. Founded in 2019, they’ve focused on leveraging technology to make precious metals investing more accessible.
Products and Services
Leer Capital focuses primarily on gold and silver products that meet IRS requirements for precious metals IRAs. Their selection is more limited than some competitors, but includes all the essential IRS-approved coins and bars needed for a precious metals IRA.
Their standout feature is their mobile app, which allows investors to track their precious metals holdings, view real-time pricing, and access educational resources. This technology-forward approach appeals particularly to younger investors and those who value digital access to their investments.
Advantages
- Lowest minimum investment ($5,000)
- Innovative mobile app for account tracking
- 24-hour risk-free purchase guarantee
- Real-time pricing updates
- Bonus silver coins for new accounts
Disadvantages
- Highest setup fees ($280)
- Limited product selection (gold and silver only)
- Newest company with shortest track record
Fees and Minimum Investment
Leer Capital requires just a $5,000 minimum investment, making them the most accessible option for smaller investors or those just starting with precious metals. Their fee structure includes a one-time $280 setup fee (waived for eligible IRAs) and annual maintenance fees of $200.
Storage and Security
Leer Capital partners with Brink’s Global Services for secure, IRS-compliant storage. They offer non-segregated storage as their standard option, with segregated storage available for an additional fee. Their custodial services are provided through STRATA Trust Company.
Starting Small with Precious Metals?
Discover how Leer Capital makes gold investing accessible with their low minimum and mobile app.
Which Precious Metals IRA Company Is Right For You?
Choosing the right precious metals IRA company depends on your specific investment goals, budget, and preferences. Based on our comprehensive analysis, here are our recommendations for different investor profiles:
Best for Serious Investors
- Augusta Precious Metals – For those with $50,000+ to invest who value education and personalized service
- GoldenCrest Metals – For investors seeking the widest selection of precious metals with a substantial investment
- Ideal if you prioritize comprehensive education and established reputation
Best for Mid-Range Investors
- Noble Gold Investments – For those with $20,000+ who value storage flexibility
- Birch Gold Group – For investors with $10,000+ who prioritize transparency and established history
- Ideal if you have moderate funds and want balanced service and value
Best for New Investors
- Leer Capital – For investors starting with just $5,000 who value technology and accessibility
- Ideal if you’re testing the waters with precious metals or have limited funds
Important Considerations for All Precious Metals IRAs
Regardless of which company you choose, remember these key points about precious metals IRAs:
- IRS regulations require specific purity standards: 99.5% for gold, 99.9% for silver, 99.95% for platinum and palladium
- Home storage is not permitted for IRA precious metals (despite misleading claims by some companies)
- Precious metals IRAs should typically represent only 5-15% of your retirement portfolio for proper diversification
- Consider the total cost of ownership, including purchase premiums, storage fees, and potential liquidation costs
Frequently Asked Questions About Precious Metals IRAs
Can I store my IRA precious metals at home?
No. IRS regulations specifically require that precious metals in an IRA must be held by an approved custodian in an IRS-approved depository. Home storage of IRA precious metals would be considered a distribution and subject to taxes and potential penalties. Be wary of companies promoting “home storage” gold IRAs, as these could put you at risk of IRS penalties.
What are the tax implications of a precious metals IRA?
Precious metals IRAs offer the same tax advantages as traditional or Roth IRAs. With a Traditional Precious Metals IRA, contributions may be tax-deductible, and growth is tax-deferred until withdrawal. With a Roth Precious Metals IRA, contributions are made with after-tax dollars, but qualified withdrawals are tax-free. Required Minimum Distributions (RMDs) apply to Traditional Precious Metals IRAs starting at age 73.
What types of precious metals can I hold in an IRA?
The IRS allows specific precious metals that meet minimum purity requirements: gold (99.5% pure), silver (99.9% pure), platinum (99.95% pure), and palladium (99.95% pure). Common eligible products include American Eagle coins, Canadian Maple Leaf coins, Australian Kangaroo/Nugget coins, and certain bars and rounds from approved refiners. Collectible coins and rare/numismatic coins are generally not eligible.
How do I fund a precious metals IRA?
You can fund a precious metals IRA through a direct transfer from an existing IRA, a rollover from a qualified retirement plan (like a 401(k) or 403(b)), or with annual contributions (subject to IRA contribution limits). Most investors use transfers or rollovers from existing retirement accounts to fund their precious metals IRAs, as this allows for larger initial investments without tax consequences.
What happens when I want to liquidate my precious metals IRA?
When you reach retirement age (59½ or older), you have several options: take physical possession of the metals (this counts as a distribution and is taxable), sell the metals and take the cash value (taxable for Traditional IRAs), or sell the metals and transfer the funds to another IRA. Most reputable precious metals IRA companies offer buyback programs to facilitate liquidation, though you’re not obligated to sell back to the same company.
Final Thoughts on Choosing a Precious Metals IRA Company
Investing in a precious metals IRA can provide valuable portfolio diversification and protection against inflation and market volatility. The Top Precious Metals IRA firms 2025 we’ve reviewed each offer unique advantages depending on your investment goals, budget, and preferences.
For investors with substantial funds seeking comprehensive education and exceptional service, Augusta Precious Metals stands out as our top overall recommendation. Those with more modest budgets might find better value with Birch Gold Group or Colonial Metals Group, while new investors with limited funds will appreciate Leer Capital’s low entry threshold.
Regardless of which company you choose, ensure they offer transparent pricing, secure IRS-approved storage, and a straightforward process for both establishing and eventually liquidating your precious metals IRA. Remember that precious metals should typically represent only a portion of a well-diversified retirement portfolio.
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Disclosure: This article is for informational purposes only and should not be considered financial advice. Always conduct your own research and consult with a qualified financial advisor before making investment decisions. None of the companies mentioned in this article have sponsored this content.