Quick Estimator: Gold vs Non-Gold Retirement Accounts
Simply fill your approximate numbers and estimated rate of return in the run up to your retirement.
The calculator will estimate+ your account’s final value without gold and compare this with similar accounts maintaining a 5%, 10% and 20% gold allocation for the whole duration.
Retirement Calculator Results+
Regular IRA/401k
5% Gold
10% Gold
20% Gold
Gold IRA Fees Versus Regular 401k/IRA Management Fees
The retirement calculator does not take into consideration management fees and other charges, which for a typical paper-asset based 401k or IRA tend to run from 0.5% to 5% depending on the level of holdings and services provided.
Clearly these fees will have an impact on overall annual gains, especially if these gains are lower than the average 5%++
Gold IRAs or IRAs containing part of their investment basket in physical gold will also be subject to management fees and storage costs, however with the majority of our best-rated gold IRA providers these fees and costs are fixed, rather than percentage based, and typically total $80 – $250/year, with several leading companies charging zero set-up or storage fees.
Bullion Dealer of the Year Winners Compared on Fees, Costs and Bonuses
The following table illustrates the low fees and sign-up bonuses that can be available to new investors with our current Bullion Dealers of the Year winners in the specialist Gold IRA category.
As can be seen, annual fees and costs can be zero or significantly lower than regular percentage-based IRA charges seen across the whole market, meaning you keep more market gains where it matters – in your account!
Savings become even more apparent when considering bonus metals deals available as loss-leader incentives for new customers. These can range from $500 to $10,000 in bonuses depending on initial qualifying investment amounts.
*Free storage, free IRA set-up fees and free annual fees are available on qualifying accounts and under certain minimim order values – check with companies concerned
**Applies only to qualified orders with Goldco’s premium products. Get up to 5% back in FREE Silver when you invest $50,000 – $99,999. Get up to 10% in FREE Silver when you invest $100,000 or more. Cannot be combined with any other offer. Additional rules may apply.
This calculator does not offer personalized financial advice and does not take into account your individual circumstances, financial situation, or specific investment objectives. Any decisions made based on the output of this calculator are taken at your own risk. Bullion.Directory is not responsible for any financial losses or gains incurred as a result of using this tool. We strongly recommend consulting with a qualified financial advisor before making any investment decisions. A professional can provide personalized advice and a comprehensive investment strategy that aligns with your goals and risk tolerance.
++The estimated average annual return of 5% is derived from the aggregated data of the past five years, sourced from multiple prominent 401k and IRA providers.
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