In-depth review
Goldco Review (2026)
Goldco is best for retirement investors who want extensive rollover assistance, an established reputation, and strong customer support.
[4.8]
Our score / 5
Founded
2006
Metals offered
Gold & Silver
Storage
Delaware Depository and Brink’s Global Services
BBB rating
A+
The quick verdict
Is Goldco worth it?
Goldco is worth considering for investors who want to transfer a substantial retirement balance into physical gold and silver with personalized support. Its long operating history, strong customer ratings, and established storage relationships are advantages, but product prices and dealer spreads are not published online.
Bottom line
Best for investors rolling at least $25,000 into a precious-metals IRA. Consider alternatives if the investor has a smaller account or wants live online prices before speaking with a representative.
What we like
Watch out for
Best for
Not ideal for
Costs
Fees, pricing & minimums
Goldco generally requires a minimum investment of $25,000 for a precious-metals IRA. First-year account expenses are commonly estimated at approximately $275 to $325, depending on the custodian and storage arrangement.
These costs may include a $50 setup charge, an $80 annual custodian administration fee and storage of approximately $100 for non-segregated storage or $150 for segregated storage. Recurring annual expenses commonly begin near $225.
Goldco does not publish real-time retail prices for its coins and bars. Customers receive personalized quotes by telephone, and the quoted price includes a dealer premium or spread above the underlying metal value.
The company currently advertises bonus silver equal to 5% on qualifying purchases of $50,000 to $99,999 and 10% on qualifying purchases of at least $100,000. The offer applies to selected premium coins and is subject to additional terms. Promotions can change and should be evaluated as part of the complete transaction cost rather than treated as free investment value.
Security
Storage & custody
Goldco coordinates precious-metals IRA custody through independent self-directed IRA custodians, with Equity Trust Company among the commonly used providers. The custodian opens and administers the account, processes transactions and completes required reporting. Goldco operates as the precious-metals dealer rather than the IRA trustee.
IRA metals can be stored at facilities such as Delaware Depository and Brink’s Global Services. Depending on the selected provider, investors may be offered non-segregated storage, in which fungible metals are held with metals belonging to other customers, or segregated storage, in which the account holder’s assets are separately identified.
Approved depositories use physical security controls and insurance arrangements designed for precious-metals custody. Investors should review the depository agreement for coverage limits and exclusions. Metals owned by an IRA must remain under the control of the qualified trustee or custodian. Personally storing IRA metals at home can cause the IRS to treat the transaction as a distribution, potentially creating taxes and penalties.
Products
Metals & product selection
Goldco specializes in gold and silver products for self-directed IRAs and personal ownership. Its selection includes IRA-eligible coins and bars from recognized sovereign and private mints. Common choices include American Gold Eagles, American Gold Buffalos, American Silver Eagles and Canadian Maple Leafs.
The company also offers specialty and limited-mintage products. These coins may carry larger premiums than conventional bullion and may not command the same premium when resold. Investors primarily interested in metal exposure should compare each product’s price with its intrinsic metal value and obtain competitive quotes.
Goldco facilitates direct purchases for customers who do not want to use a retirement account. Metals bought outside an IRA can be delivered to the customer, while IRA-owned metals must be shipped to the depository designated by the custodian.
Trust
Reputation & track record
Goldco was founded in 2006 and has developed one of the more recognizable brands in the precious-metals IRA industry. The company maintains an A+ BBB rating and has accumulated thousands of customer reviews across independent platforms.
Goldco held a Trustpilot score of approximately 4.5 out of 5 based on nearly 1,800 reviews when checked for this review. Most reviewers praised the company’s representatives, communication and rollover assistance. Critical reviews sometimes discussed product premiums, specialty-coin resale values or the difference between purchase cost and metal value.
The company has reported more than $2 billion in gold and silver placements and has appeared on the Inc. 5000 list of fast-growing private companies. It has also developed paid endorsement relationships with public figures. Awards, growth rankings and endorsements support brand visibility but do not guarantee investment performance or fair pricing for a particular transaction.
Scorecard
How we scored Goldco
Not sure Goldco is the right fit?
See how it stacks up against every provider we rate.
Editorial
How we review gold IRA companies
We evaluate gold IRA companies using publicly available information, company disclosures, customer agreements and independently documented feedback. The assessment considers minimum investments, account fees, product premiums, storage choices, custodian relationships, customer service, buyback practices and business history.
Pricing and value receive substantial weight because a high dealer premium can create an immediate difference between the amount invested and the liquidation value of the metals. We also evaluate the dealer, custodian and depository separately because each performs a different function and may charge separate fees.
FAQ
Common questions about [Company]
What is Goldco’s minimum investment?
Goldco generally requires a minimum investment of $25,000 for a precious-metals IRA. Requirements for direct purchases may differ, so customers should confirm the applicable minimum before beginning a transaction.
Is Goldco a legitimate, safe choice?
Goldco is an established precious-metals dealer that has operated since 2006 and maintains an A+ BBB rating. It works with independent custodians and recognized depositories, but no dealer can eliminate market, pricing, or liquidity risk. Investors should obtain written product prices, premiums, fees, and buyback quotes before approving a purchase.
Can I roll over a 401(k) into a gold IRA with them?
Goldco helps customers roll eligible 401(k), 403(b), TSP and IRA assets into self-directed precious-metals IRAs. A correctly completed direct trustee-to-trustee rollover is generally not taxable. Investors with an active employer-sponsored plan should check whether the plan permits an in-service rollover.
Where will my metals be stored?
IRA metals may be stored through facilities such as Delaware Depository or Brink’s Global Services. The exact location and storage arrangement are selected in coordination with the custodian. IRA-owned metals generally cannot be stored at the investor’s home because personal possession may be treated as a taxable distribution.
Final verdict
Should you choose Goldco?
Goldco is a strong choice for investors who can meet its $25,000 minimum and want experienced, hands-on assistance with a gold or silver IRA rollover.
Its reputation, customer support, and established custody relationships earn it a high score, but investors should compare written product quotes carefully because prices and spreads are not published online.
Affiliate disclosure: We may earn a commission if you open an account through our links, at no extra cost to you. This can influence which companies we feature. We only cover providers we believe offer genuine value.
Not financial advice: Informational only. Precious-metals investing carries risk, including loss of principal. Consult a licensed advisor before investing.
