Goldco Review 2026

How a Goldco rollover works

Goldco centers its process on the phone. According to this page's FAQ you cannot avoid calls entirely, so expect a representative to guide the paperwork from start to finish.

The FAQ lists a typical rollover time of 7 to 10 business days, and accepted sources include 401(k)s, IRAs, 403(b)s, TSPs and most qualified plans. Ask for a written timeline that names who sends each form, because delays usually sit between the old plan administrator and the new custodian.

• Call or request the kit and ask for the fee schedule first.
• Open a self-directed IRA with an IRS-approved custodian.
• Ask your old plan to send funds by direct transfer to the new custodian.
• Select metals and confirm each one meets the fineness rule.
• Verify that the metals go to the depository, not to your address.

Which metals can you buy through Goldco?

The site data lists gold, silver, platinum and palladium in coins, bars and rounds. IRA rules still limit the choice: gold must be at least 99.5% pure, silver 99.9%, and platinum and palladium 99.95%, with American Eagle coins as the statutory exception for gold.

Bring one question to the representative: for each item, what is the premium over the spot price today, and what would the buyback price be if I sold tomorrow?

What does the Goldco buyback guarantee actually promise?

The site data calls the buyback a guarantee but gives no figure, so treat it as a question rather than a feature. A buyback policy only matters when you know its terms.

Ask whether the company quotes a price at the time of sale or fixes a formula in advance, whether any minimum holding period applies, and what the gap between the buy price and the sell price looks like on the products you would own.

• Is the repurchase price tied to spot price or set by the company at the time?
• Are there fees to sell back?
• How long does payment take after the sale?

Goldco fees and minimum

The site data shows a $25,000 minimum, a setup fee of about $50, an annual fee of about $80 and storage of $100 to $175 per year. The tilde means the figures are approximate, so request the current numbers in writing.

Red flags to watch in a phone-led sales process

Phone sales put pressure on timing. Slow down if you hear any of the following.

• A promised bonus or free-silver offer without the terms written down
• Urgency about a price that will vanish today
• Vague answers on the buy-sell spread
• Encouragement to buy collectible or proof coins, which the IRS bars from IRAs as collectibles
• Refusal to email a fee schedule

Who Goldco fits

Goldco fits a saver who has $25,000 or more to roll over, wants a representative to manage the paperwork, and is comfortable doing business by phone. A buyer who prefers to research by email, or has less than $25,000, will find American Hartford Gold or Birch Gold Group easier to start with at $10,000.

Goldco compared with the other four

The rest of the table, in rank order:

• Augusta Precious Metals: 4.9/5 rating and a $50,000 minimum in this site's table
• American Hartford Gold: 4.7/5 rating and a $10,000 minimum in this site's table
• Birch Gold Group: 4.6/5 rating and a $5,000 minimum in this site's table
• Noble Gold: 4.5/5 rating and a $20,000 minimum in this site's table