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Goldco Review
4.8 Overall Rating
Customer Care
Pricing
Reliability
Ease of Purchase
Bottom Line
Goldco is a precious metals dealer, helping customers convert their current IRA and 401(k) retirement accounts into precious metal IRAs and delivering gold and silver to customers (directly to their home) as a method to protect assets in a cash position.
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About Goldco
Goldco helps customers protect their retirement savings with gold and silver. You can roll over your IRA or 401(k) into a precious metals IRA, or have physical gold and silver shipped straight to your home.
Goldco is a leading, award-winning gold and silver provider founded over a decade ago. The company has endorsements by celebrities like Chuck Norris and Sean Hannity, and facilitates the rolling over of funds from an existing 401(k), 403(b), 457(b), pension, or Thrift Savings Plan (TSP) account to a self-directed IRA. Goldco can also do Roth IRA transfers or conversions. The company also facilitates direct purchases of gold and silver, which can be shipped to any location in the U.S.
Goldco aims to help customers learn about precious metals in order to make informed decisions and diversify retirement assets. Customers have access to a vast, award-winning library of educational resources, including audio, video, digital, and print materials that provide details about the benefits of precious metals ownership.
Pros
- Get up to a 10% instant match in silver or gold with a qualified account (no cap on purchase amount)
- Highly rated by customers, with 7,300+ 5-star reviews
- Trusted to place over $3 billion in gold and silver transactions for thousands of individuals
- Guaranteed buyback
Cons
- Rarely sells precious metals other than gold or silver
Gold and other precious metal IRAs can carry risk. Consumers should be alert to claims that customers can make a lot of money in these or have little risk. As with any diversification portfolio, you can lose money, and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any purchase before agreeing to buy.
Goldco Services and Features
Goldco is a precious metals company that facilitates gold purchases and the transfer or rollover of an individual’s IRA, 401(k), or other retirement savings to a gold IRA. All IRA accounts require a custodian to manage account assets, and Goldco representatives assist with the related paperwork to ensure smooth processing. Customers also receive extensive assistance with the direct purchase of precious metals from a savings or cash account.
See our best gold IRA companies guide to learn more about precious metals IRAs and the top providers.
After assisting customers in completing their paperwork, Goldco provides IRS-approved gold coin or bar selections for customers to include in a precious metals IRA. A precious metals specialist facilitates the purchase of assets with the custodian and communicates with the secure storage facility.
Goldco also works as a direct gold dealer for customers who wish to buy gold with cash. This is a different service from a precious metals IRA.
Diversifying With Goldco
Diversifying with a precious metals IRA can be an attractive option for consumers who want to balance the volatility of bond and stock markets. Consider a precious metals IRA to hold a tangible asset in your portfolio.
The Taxpayer Relief Act of 1997 made exceptions to the IRS collectibles rule, allowing specific coins of a certain fineness and quality level for IRA purchases. Goldco understands what coins and bars are appropriate for a precious metals retirement account.
The customer service team has decades of experience with the entire IRA rollover process. You’ll receive assistance selecting IRS-approved custodial and storage options and precious metals.
Goldco received national recognition in 2025 by winning a Bronze Stevie Award for “Fastest Growing Company of the Year,” highlighting its achievements in the gold industry.
The company has appeared nine times on the Inc. 5000 list of the fastest-growing private companies in the country.
The Los Angeles Business Journal has also named Goldco one of the fastest-growing private companies, ranking it No. 18 on the Inc. Pacific Regionals list for 2025.
Goldco IRA Costs
Goldco’s minimum purchase is $25,000 for IRA transfers and $10,000 for cash purchases. The custodian charges a flat annual fee rather than a percentage of assets. Goldco also charges a setup fee of $100, and there’s an annual fee of $235 for storage.
| Cost/Fee | Goldco Gold or Silver IRA |
|---|---|
| Minimum Purchase Required | $25,000 |
| Setup Fee | $100 |
| Annual Fee | $235; custodial annual fees may be reimbursed |
| Metals Available | Variety of gold and silver coins that are IRA-eligible |
Precious metals prices can fluctuate due to factors such as production and mining, interest rates, and many other factors. You can find up-to-date gold and silver price charts in the IRA section of Goldco’s website.
How to Open a Goldco Precious Metals IRA
Customers can call Goldco directly or fill out an application to open a precious metals IRA. You’ll need to provide a Social Security number and other identifying information, as required by any account.
Goldco will mail or email you a free comprehensive gold IRA guide explaining appropriate precious metals purchases. After reviewing the options, you can ask further questions to help you decide which gold or silver coins suit your IRA.
Our Experience With Goldco
Representatives were quick to respond to our questions via the live chat feature. However, when we asked specific questions regarding Goldco fees and the details surrounding the buyback program, we were asked to call the representative.
Competitors may be more forthcoming about real-time pricing, annual fee amounts, and commissions. That said, we appreciate that Goldco makes the in-depth blog, e-books, and educational videos available to all customers, which we feel would be very helpful for potential buyers starting their research on gold IRA companies.
This, and its vast selection of gold and silver coins for new accounts, allows us to confidently recommend Goldco for first-time buyers unsure how to begin diversifying with precious metals.
Goldco Reviews and Complaints
At the time of publication, Goldco has an A+ rating from the Better Business Bureau. Customer reviews on the BBB site give Goldco 4.8 out of 5 stars, with over 1,100 reviews. The company has replied to most customer complaints filed on the site. Goldco has an AAA rating from the Business Consumer Alliance.
ConsumerAffairs readers give Goldco 4.7 out of 5 stars at the time of publication. Positive reviews indicate that Goldco is very responsive to questions, with many noting that precious metals specialists were thorough and patient. Goldco also has 4.4 out of 5 stars on Trustpilot at the time of publication.
Goldco FAQs
Goldco offers a buyback program, guaranteeing the highest price to customers who want to liquidate their accounts three years after the initial purchase date. We recommend looking over the customer agreement carefully to understand the details of the guarantee.
Not for a gold IRA. IRS rules forbid keeping your IRA precious metals at home or in a standard safe-deposit box. The storage facility, such as Delaware Depository, must restrict access and store each customer’s precious metals purchased as part of their precious metals IRA. Direct gold purchases can be stored at home, although other options might be safer and more secure.
Like all diversification options, the future value of precious metals is not guaranteed. It rises or falls based on various market influences.
You or the beneficiary of your precious metals IRA can start taking penalty-free distributions from the existing retirement account at age 59 1/2.
IRA transfers typically take around two weeks to complete. However, each Goldco application is unique, and processing times vary by case.
Goldco is a legitimate company. It holds an A+ rating with the Better Business Bureau and a AAA rating from the Business Consumer Alliance, along with consistently high customer satisfaction reviews averaging 4.4 to 4.8 stars across platforms like ConsumerAffairs and Trustpilot.
In addition, Goldco has a record of resolving complaints, industry recognition for customer service, and repeated inclusion in the Inc. 5000 list, all of which underscore its credibility and trustworthy standing in the precious metals industry.
The minimum purchase required to open a gold IRA with Goldco is $25,000. However, if you do not meet that threshold or don’t want to open a gold IRA, Goldco does offer direct cash purchases of precious metals.
Conclusion
Goldco educates individuals interested in purchasing precious metals about the rules surrounding precious metals IRAs and IRS-approved diversification options. It has extensive experience in the precious metals market, including silver and gold IRAs. Customer feedback frequently mentions the level of customer service Goldco provides throughout the process of establishing a precious metals IRA.