Why Roll a 401(k) Into Gold?
Most 401(k) plans only offer stocks, bonds and funds, all of them paper assets tied to the same markets. A 401(k) gold rollover moves some of that money into a self-directed Gold IRA, where it can be held in physical precious metals stored in your name.
- Diversify beyond the stock and bond markets
- Hold a tangible asset with a history of holding its value
- Keep your savings tax-advantaged: pre-tax money stays pre-tax, Roth stays Roth
Learn more in our Why Gold guides.
Is Your 401(k) Eligible?
| Your situation | Can you roll it over? |
|---|---|
| 401(k) from a former employer | Yes, in almost every case |
| Current employer’s 401(k), age 59½+ | Often, if your plan allows in-service rollovers |
| Current employer’s 401(k), under 59½ | Sometimes. It depends on your plan’s rules |
| 403(b), 457(b) or TSP | Yes, on similar terms |
Not sure? Your specialist will help you check your plan’s rules before anything moves.
Always Choose a Direct Rollover
Avoid the 20% trap. If your 401(k) sends the money to you by check, the plan must withhold 20% for taxes, and you have 60 days to redeposit the full amount. A direct rollover moves the money straight to your new custodian, with no withholding and no deadline to track.
How Your 401(k) Gold Rollover Works
- Open and fund your self-directed IRA.
We give you a list of approved self-directed custodians that allow precious metals in their accounts. We work only with custodians holding an “A” rating from the Better Business Bureau. Your current provider sends the funds straight to the new custodian. - Choose your metals.
Once your funds arrive, we give you whatever you need to decide: current pricing, inventory, and delivery times. When you place your order, we ship the metals to your depository account within 28 days. - Your metals are stored in your name.
Your metals are held at an approved depository. We work with two of the largest and most secure in the country, Brink’s Global Services and Delaware Depository, with coverage of up to $1 billion against property and casualty losses. - We stay with you.
Our relationship doesn’t end at setup. Your specialist is there to answer questions, provide market updates, and help as your needs change.
Good to know: as with any retirement account, set-up and annual custodian and storage fees apply. We walk you through every fee before you commit.
Why Roll Over With Bishop Gold Group?
1Precious metals know-howOur team has decades of combined experience in the gold and silver markets, whatever your situation.
2A plan built around youNo two savers are alike. We tailor your metals mix to your goals, timeline and comfort level.
3Plain-English communicationYou’ll understand every step, every fee and every product before you decide.
4Client-first serviceYou get a dedicated specialist who is there after the paperwork is done.
Get started today. Call (833) 589-8100 or fill out the form below.
