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What You Have To Know Before Rollover
Your IRA / 401k/ Thrift Savings Plan (TSP) Into Gold
IRA.
Are you
thinking about doing a
Gold IRA Rollover or Investing in other pecious metals such as
silver and
platinum? Before you make the important decision
with your hard earned money and savings, be sure you have all
the facts and details when it comes to investing your
retirement in gold, silver and precious
metals.
Why You Should Invest in
Gold
The most important is to
diversify and protect your
portfolio. Diversification is the most important
component of reaching long-range financial goals while
minimizing
risk.
The Stock and
bonds are hard to rely on, especially when your entire
retirement is resting on its fate. With gold and silver, you
know how much money you have and even though it fluctuates –
you still have a reliable investment. Gold and silver awalys
maintained some value and never gone to zero. Unlike stocks,
bonds & etc, there may go to zero.
Gold will
continue to hit record high for many years to come if Any of
the following occurs:
1)
Stock Market Failure.
2) More Foreclosures &
Unemployment.
3) Currencies Fail (Including
foreign currencies)
4)
Inflation & the National Debt Continue to
Rise.
Having A Gold IRA Rollover And The
Benefits It Will Provide
With the national debt rising literally
every second, and our economic growth at just barely above
a crawl, it is inevitable that in the near future we could
very likely be facing a sort of economic ‘fall out’. When
this happens, having investments in Gold are going to be
the saving grace to those who have an IRA that is backed
by Gold.
Aside from the fact gold will always
be worth more than paper money and coin, there are
other important benefits to rolling over your IRA into a Gold
Backed IRA.
Every investor’s goal to have a substantial
retirement fund that will allow the standard of living today,
and hopefully even more. Gold can help immensely because Gold
will never lose its value to a point that it will be worth less
than the dollar or other monetary funds. In fact as mentioned
previously, gold is predicted to continue to rise because of
the current trend of an almost failing
economy.
There are actually tax
benefits when your IRA is backed by Gold. Those
who invest in Gold accumulate wealth through Gold investments
for years without having to pay taxes on that wealth. How does
that work you may be asking? Because Gold is considered a
tax-deferred income investment. You only pay tax when you are
ready to withdraw your investment in the type of distributions.
Investors do have the opportunity to profit from the tax
benefit that isn’t applicable to other forms of investment
types that aren’t given these tax incentives.
Of
course the most compelling reason to roll your
retirement plan into Gold IRAs is to diversify,
and diversify your retirement savings.
Diversifying in general is the one of the key manners to aid in
protecting your investment portfolios long-term. So it just
makes sense that diversifying with Gold can help prevent losing
all your investments should they be only in paper assets like
stocks, bonds or mutual funds. Gold is considerably less risky
of an investment than those mentioned.
Stocks, bonds and mutual fund’s value rely on
the stability of the economy, and as was seen back in 2008 that
can be disastrous if all your investments are strictly in paper
assets. Having a Gold backed IRA can prevent great or
even total loss should that ever happen again.
And unfortunately there is a possibility it very well
could.
The growth potential for gold is in reality
quite good, because when economic instability weakens stocks
and bonds, it causes a direct increase in the worth of Gold.
When you factor in the knowledge that Gold and other precious
metals such as silver can’t be reproduced, their value will
continue to rise in the future especially should gold become
scarce.
As
you can see the benefits of rolling over an existing IRA into
gold or starting an Gold backed IRA can in the future be the
difference between having a retirement amount that sustains you
at the standard you desire for the remainder of your life, or
having nothing let to retire comfortably on.
Individual Retirement
Account
What really is the smartest way to keep your
retirement safe? One of the best
ways to save your retirement in
this economic uncertainty is by opting for the Gold
IRA retirement
account.
This involves saving actual silver and gold.
Before now, it was not possible for any regular individual to
capitalize on obtaining any form of precious metals, however,
with the invention of the Gold IRA individual retirement plan,
it has become possible.
If
you already have your IRA or 401(k) that is locked into one
asset class say; mutual funds, you are in dire risk of losing
everything you earned from currency devaluation and the
likes.
Users now have the ability to change the
outcome by opting for a simple IRA rollover which adds
diversification to your individual retirement account by
including precious metals.
There
are several kinds of IRA accounts including;
• Roth IRAs
• 401(k) Plans
• Roth 401(k)
• SIMPLE IRA
• SEP IRA
• 2015 IRA
• HAS
• traditional IRA
• simple IRS
• self-directed IRA
• Thrift Savings Plan
(TSP)
What is
a Roth IRA
The Individual Retirement
Arrangement plan is not
taxed as long as certain conditions are met. The law allows a
reduction of tax on a limited amount for retirement savings.
The principal of this plan is different from most plans as it
is tax break is granted on money withdrawn from the plan during
retirement.
What
exactly is a 401(k) account?
A
401(k) is a form of retirement savings plan that is sponsored
by an employer which allows workers save and invest part of
their paycheck even before taxes are taken out of it. An
employees tax is not paid until the money is remove from the
account.
When you opt for a 401(k), you can have
control of how your money is invested.
Many available plans offer a spread mutual
fund that is composed of bonds, stocks, and money market
investments.
A
thrift savings plan
TSP is a contribution plan for all US civil
servants and retirees and for members of uniformed services. As
2015, there were about 4.8 million
participants.
What
does a Self-Directed IRA
mean?
This is the name attributed to the gold IRA
established via a self-directed IRA. It gives all account
holders more control over their investment decisions on
behalf of the retirement plan. Investments involve; bonds, real
estate, stocks and precious metals. Metal funds can be held in
this account. Self-directing is a great opportunity
and allows investors tremendous latitude in terms of the types
of investments available.
Find out if your IRA, 401k, 403b,
pension, TSP, 457, 457b or 401a qualifies to roll over into
gold, Click Here for FREE Gold IRA Eligibility
Check!
What
Is A Gold
IRA?
A precious
metal IRA or a gold IRA works in the same capacity as
your regular 401(k), only these accounts would allow
users hold precious metals such as silver, gold, and
palladium in the process of diversification. This is an
important step to take because your entire retirement
should not be based off a single asset class. It enables
you to have accounts with bars and even gold coins that
have been approved by the
IRS.
These
precious metals are usually stored in depositories like
Delaware and Brinks for your safety. You also have the
opportunity to invest your retirement in precious metals
and you can continue to add to it over
time.
This
policy allows regular individual participate in, and
investment originally meant for the
wealthy.
However
not every IRA account is eligible for the rollover. Only
the following are
eligible;
Roth
IRA
-Traditional
IRA
-SEP
-401(k)
-403(b)
-TSP
(Thrift Savings Plans)
-Some
annuities
-Pension plans
How To
Rollover Your IRA Or 401K Into Physical Gold &
Silver?
Many people are now transfer/rollover portion
of their savings in gold to help balance and protect portfolio
against economic uncertainty. Gold IRA
rollover is obviously one of the easiest ways to
these precious metals without spending a dime out of your
pocket. If you already own a 401(k) retirement savings account
and you desire to gain exposure to gold and silver with no cash
out of pocket, one of the simplest things to do is to convert
it to a gold 401(k) or a silver
401(K).
Today, you can easily gain access to gold
coins and bullion, as well as other precious metals. In other
words, you can purchase physical gold for your IRA or 401(k).
This can be easily achieved through a self-directed 401(k) or
IRA that has already been verified with a trust
company.
If
you are thinking of how to rollover your IRA or 401K in gold
and silver bullion, here is how to get started, however, it is
important to know that this will depend on your current
situation.
Former Employer
You can roll over your 401(k) into a
Traditional IRA if it is from a company or companies for whom
you no longer work. Your 401(k) funds can be utilized to
purchase Gold or Silver as soon as they have been deposited in
an IRA.
In-Service
Distribution
It
may still be possible to free up your 401(k) funds for a
rollover if you still work for the company that hosts your
account. This option is technically referred to as “in-service
distribution.” One good thing about this option is that it does
not function as a loan instead it serves as an actual
distribution of funds that can be rolled over to a
Self-directed IRA within 60 days. There are no tax consequences
attached. Before getting started, it is very important to
inquire from your current 401(k) provider if there is an option
for an in-service distribution in its plan. If you do not know
how to get started, please do ask them so they can guide you
through.
Company Owners Can Benefit from Gold 401(k)s
and Silver 401(k)s
By
starting gold 401(k) and silver 401(k) plans for the company,
owners can also benefit from an investment in silver and gold.
However, retirement funds can be rolled into the company’s new
gold and silver bullion savings plan by both the business owner
and employees.
Formerly Request Your
Employer
You are certainly left with a few additional
options if your company 401(k) does not include an in-service
distribution option. If you want to request for the inclusion
of precious metals in the company’s 401 (k) plan, then contact
your company’s Human Resources Department and plan
administrator.
Rollover Your Thrift Savings
Plan To A
Gold IRA
Did you know that you can rollover your thrift
savings plan (TSP) to gold IRA? The TSP has many similar features to a
401k plan. The advantage of rolling over your TSP Plan assets
into a self-directed IRA is that giving you full control over
which assets your retirement account funds and open up new
tax-free investments. You also won’t be
charged any additional fees to leave your funds in the Thrift
Savings Plan. Click here to
read more details on TSP Gold IRA Rollover
Guide.
Common Rollover Mistakes & How To
Avoid Them
Have you considered rolling your IRAs from a
financial institution to another?
Perhaps you're searching for higher returns, a better service
or more investment selections. If you roll over the traditional
IRA, there are common mistakes you have to avoid. If you do
not, you may face unnecessary penalties and
taxes.
We'll show you an overview of the IRA
rollover mistakes and help you avoid them.
1. Keeping same assets in the same
place
Your rollover from an IRA must comprise of a
single property. This implies that you can’t collect cash
distributions, buy other assets with cash and roll over the
assets into a new IRA. If this occurs, the IRS will view the
cash distribution as ordinary income.
How to avoid
it
• Do not make rollovers that are more
complicated than they should be.
• Keep the process simple by rolling or
transferring the same assets into a new plan or
IRA.
2. Delaying IRA Rollover decision and
execution
For your indirect rollover to be duty-free,
you must roll your assets into another plan or IRA within 60
days. If you miss this deadline, you will be made to both pay
state and federal income taxes which may be up to 45%, in
addition to 10% federal tax penalty for people under age
59½.
How to avoid
it
• Transfer or roll your assets directly
into another plan or IRA.
• There aren’t any taxes if you do not
take control of your funds.
Note that you could pay income tax for both
federal and state, depending on the particular state. For your
indirect rollovers to be duty-free, limitations and additional
restrictions may apply. Please inquire from your tax advisor
about your specific situation.
3. Being limited to one IRA-IRA
rollover per year
Within a year, after you transfer assets from
your IRA or roll over any fraction of that amount, you can’t
make another duty-free rollover of any IRA.
How to avoid
it
• Fortunately, you can escape the whole
IRA one-year limitation issue by moving your IRA funds around
tax-free through direct trustee-to-trustee transferals that do
not pass through your hands. These direct transfers do not
count as rollovers.
4. Rolling assets over too
soon
If
you’re under age 59½, and you roll your 401(k) plan assets into
an IRA, it would be impossible to take out funds from the IRA
without having to pay an additional 10% federal tax. However,
you may be excepted if your rollover has post-tax contributions
which are not subject to early withdrawal tax
penalties.
How to avoid
it
• Think about leaving your assets in your
own employer-sponsored plan until.
• The extra 10% federal tax will not apply,
providing you have left your employer, and the separation
happens during or after the year in which you attain the age of
55.
Gold IRA
Rules
Opening a gold IRA account is the right
path to securing a retirement plan with no financial
constraints. The account must operate within the set
fixed regulatory rules in the financial market. It is
also important to ensure that you are up to speed with
the fundamental gold IRA rules that are set to govern the
IRA account. The coins used must be recognized by the
government of the US.
Here
are some steps to follow when pursuing Gold IRA
Rollover,
1)
Right Type of Gold to
Invest With
Some
of the most popular coins for investing with include; the
American Eagle Gold Coin, Canadian Maple Leaf, the
Austrian Philharmonic, Australian Kangaroo gold coin, and
the American Buffalo.
The
only coins that are allowed must be government made that
meets certain levels of purity. If one chooses to use
bullion coins, they must be ninety-nine percent pure so
that they are qualified for the tax deferment advantages.
Money in IRA accounts in the US is not
taxed.
2)
Custodian
The
custodian of a gold IRA is a brokerage or a bank that
offers guidance and safeguarding the client's precious
metals. Besides, the custodian handles, on behalf of the
owner, transactions and tracking of all the documents.
The custodian bank will not earn any profits from the
customers' assets but will charge for services
offered.
3) Time Limit and the fund withdrawal
restrictions
The
savings withdrawals in the IRA accounts can only be made
at the age of fifty-five points five otherwise penalties
must apply. Withdrawals at an age below the above
specified age is charged a ten percent penalty plus
taxes. The IRA assets are only taxed if you withdraw the
money before the specified age. The reason for the above
is to discourage the Americans from taking out the money
before retirement.
The
gold retirement of an individual account rollover can
occur once the customer finds trust from the existing IRA
and then restores the amount in a different retirement
account. The customer must restore the initial record to
the new IRA within 60 days.
How To Choose the Right Gold IRA
Company
Before choosing the Gold IRA Company,
you should research thoroughly in order to identify the
most reliable firm and good reputation. The company that
one chooses should be willing to guarantee policies,
invest your funds well, and provide the best advice on
financial matters to the clients. Significant factors to
consider while choosing the best IRA Company to choose
include;
-
3rd party reviews;
reputable organizations will have good
reviews by individuals who have had
experiences with the company. Authority
review boards such as the BBB, BCA, TrustLink
and
others. Click Here For #1 Rated Gold IRA
Company.
There
was complaint that some gold IRA company overcharged
and did not give clear, concise explanation of the term
"spread" they use to identify their markup. It was found
that the company not roll over the full amount to the Gold
IRA, but added a 25% mark-up, which they glossed over during
the process by using the term
"spread." This customer rollover IRA into
gold about $40,000, resulted in mark up charge into
nearly $10,000.
You are advisable
to ask tough
question to Gold IRA company before Gold IRA
Rollover. Click Here for Top 7 Question to Ask Gold RA
Company.
What Percentage of My Assets Should
I Hold in Gold?
Many
financial experts advice to allocate about 5%~20%
of your portfolio into gold, silver or
other Precious metal. Plenty
of people invest 30k~250k in Gold IRA,
some people put over one million
into gold . The Important is you need to
understand what you own and why you own it, Investors
may have different goals and
objectives.
How to Get
Started?
Choose The Top 10 Gold IRA
Company. If you are seriously considering
investing in Gold IRA - Regal Assets and Advantage
gold are the place to
be. They
are one
of the best and trustworthy Gold IRA company in
United
State.
Phone no. 1-855-636-9771
Lastly, simply
request Gold IRA Rollover Kit
or
call them so
you can see how easy it is to protect your IRA/401K
completely tax-free and penalty-free.
Tips : We recommend you to
call both of above companies or
Request Gold IRA
Rollover Kit to get a better idea of what they
are offering before making an investment
decision.
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