OPTION 01
Segregated storage
Metals are packaged, labeled, and held physically apart from other customers’ holdings. Ask how your particular items are identified and returned.
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STORAGE, SIMPLY EXPLAINED
Precious metals IRA costs and storage explained
Learn the difference between paying for the metal, paying for the account, and paying to safeguard the holdings.
Three parts of the cost
The metal purchase includes the product price and any premium. The IRA has administration charges. Storage safeguards the physical holdings and has its own terms and cost. Ask for all three in writing so you can compare the complete arrangement.
Two organizations with different jobs
Equity Trust can administer the IRA. Delaware Depository can store the metals. The first handles account records and instructions; the second handles the safekeeping service. Knowing the distinction helps you direct each question to the right place.
A simple storage question list
Ask where the metal will be held, how it is identified, what insurance covers, what you will pay each year, and how you would sell or request a distribution. Keep the answers with your purchase records instead of relying on memory.
DELAWARE DEPOSITORY
What does “segregated” mean?
Discuss the available Delaware Depository arrangement with Equity Trust. Confirm the facility, accepted products, and current terms for your account.
OPTION 02
Non-segregated storage
Holdings are allocated in the depository’s records and stored by product alongside other holdings. Confirm what equivalent products you receive on withdrawal.
Four details to confirm
- Location. Specify the facility in the custody documents; do not infer it from the company name.
- Reporting. IRA instructions and reporting are handled through the custodian.
- Cost. Request the schedule that applies to your metals and selected service.
- Insurance. Review coverage, exclusions, and claim procedures. Storage insurance does not cover investment losses.
Personal storage and IRA storage have different account arrangements. For IRA holdings, coordinate changes and distributions through the custodian.
PRACTICAL REFERENCE
Continue your research
Gold coins vs. bars: a beginner’s buying guide
Compare gold bullion coins and bars by fine weight, quoted premium, resale bid and custody. Use the American Gold Eagle and Canadian Gold Maple Leaf specifications below as a starting point.
Read physical gold for beginnersGold IRA vs. gold ETF: ownership, costs and access
A physical gold IRA holds eligible bullion through a custodian. A gold ETF or other exchange-traded gold product gives you shares with the exposure described in its documents. Compare the holding, account, costs and exit process together.
Read compare the holding and the accountCompare the account and storage costs
Review custodial fees and Delaware Depository storage arrangements before authorizing a purchase.
Explore fees and storageMAKE THE NEXT STEP SPECIFIC
Bring your questions to a conversation.
Ask Chris Clark Gold about products or a written quote. You can also request the guide collection.