Eligible Account Types for Gold IRA Rollovers
Most tax-advantaged retirement balances can move into a self-directed IRA that holds IRS-eligible metals when plan rules allow distributions/rollovers.
Commonly eligible sources
- Traditional IRA and Roth IRA (Roth stays Roth)
- 401(k) and 403(b) (often after separation or if in-service rollovers allowed)
- TSP and many governmental plans (check forms)
- SEP IRA
- SIMPLE IRA (often after 2-year participation period)
Keep tax character
Pre-tax money generally stays pre-tax in a Traditional SDIRA; Roth sources fund a Roth SDIRA. Mixing buckets without guidance can create unexpected taxable events.