Goldco Review 2026: Is It Right for You?
Goldco is a well-established company with over two decades of operations, having operated since 2006. With an A+ Better Business Bureau rating and 3,156 customer reviews averaging 4.8 out of 5 stars, the company has built a solid reputation in the gold IRA industry. They offer gold and silver with a minimum investment of $25,000.
In this review, we examine Goldco's fee structure, metal selection, storage options, buyback policy, and overall value proposition. Our assessment is based on publicly available information, customer reviews, regulatory filings, and our own research. We aim to give you an honest, balanced picture so you can decide whether Goldco deserves a place in your retirement strategy.
Our Verdict
Goldco has built one of the strongest reputations in the gold IRA space through consistent service and aggressive buyback guarantees. Their $25,000 minimum opens the door to a broader investor base, and their promotional silver offers add tangible value. With 17+ years in business and thousands of positive reviews, Goldco is a reliable choice for mid-range investors.
Fees and Costs
Understanding the full cost of a gold IRA is critical before committing your retirement savings. Below is a complete breakdown of Goldco's fee structure, including estimated totals for the first year and over a five-year period.
| Fee Type | Amount |
|---|---|
| Account Setup Fee | $50 |
| Annual Administration Fee | $180 (flat) |
| Annual Storage Fee | $150/year |
| Wire Transfer Fee | $25 |
| Estimated First-Year Total | $405 |
| Estimated 5-Year Total | $1,725 |
Goldco's overall fee structure comes in in line with the industry average when compared to the eight companies we track. Your estimated first-year all-in cost is $405, and over five years you can expect to pay roughly $1,725 in total custodial and storage fees.
The annual administration fee of $180 (flat) is competitive relative to industry norms, which typically range from $180 to $225 among the top companies.
Note: Fees may vary depending on account size, promotions, and the specific metals purchased. Always confirm current pricing directly with Goldco before opening an account.
Available Metals and Investment Options
Goldco offers gold and silver for IRA investments. While these two metals represent the vast majority of precious metals IRA allocations, investors who want exposure to platinum or palladium will need to look elsewhere.
Gold
IRA-eligible coins and bars (minimum .995 fineness)
Silver
IRA-eligible coins and bars (minimum .999 fineness)
Worth noting: Goldco limits its selection to gold and silver. If diversification across all four precious metals is a priority, consider Birch Gold Group or Noble Gold, both of which offer gold, silver, platinum, and palladium.
Storage Options and Security
IRS regulations require that IRA-held precious metals be stored in an approved depository — you cannot keep them at home. Goldco partners with 2 depository facilities, giving you a choice in where your metals are held.
- ✓
Delaware Depository
Wilmington, DE — one of the most widely used precious metals depositories in the U.S., with Class 3 vaulting and full insurance.
- ✓
IDS Texas
Dallas, TX — specializes in precious metals storage with segregated and commingled options. Fully insured through Lloyd's of London.
Segregated vs. Commingled Storage
Most depositories offer two types of storage. Segregated storage means your metals are kept separate from other investors' holdings — you get back the exact bars and coins you purchased. Commingled (or allocated) storage groups your metals with others of the same type and purity; you own a specific quantity but not specific items. Segregated storage typically costs more but offers additional peace of mind.
All metals stored through Goldco's partner depositories are fully insured against theft, damage, and natural disasters. Insurance is typically included in the annual storage fee, though you should confirm coverage limits directly with the depository.
Rollover Process
Rolling over an existing 401(k), 403(b), TSP, or traditional IRA into a gold IRA with Goldco follows a straightforward process. The company assigns a dedicated account representative to walk you through each step.
- 1
Open Your Self-Directed IRA
Contact Goldco to open a new self-directed IRA account. You'll complete the necessary paperwork (often available electronically) and select your preferred custodian and depository.
- 2
Fund Your Account
Initiate a rollover or transfer from your existing retirement account. Goldco handles most of the coordination with your current custodian. This step typically takes 5-10 business days.
- 3
Select Your Metals
Once funds are available, work with your account representative to choose your precious metals. Goldco offers gold and silver in various IRA-eligible coins and bars.
- 4
Secure Storage
Your purchased metals are shipped to your chosen depository (Delaware Depository or IDS Texas). You'll receive confirmation once your metals are securely vaulted.
Buyback Policy
A strong buyback policy is one of the most important — and most overlooked — factors when choosing a gold IRA company. It determines how easily and fairly you can liquidate your holdings when you need to take distributions or simply want to cash out.
Goldco's Policy:
Guaranteed highest buyback price
This is one of the stronger buyback commitments you will find in the industry. A guaranteed buyback — especially one that promises the best or highest price — means you are less likely to face steep liquidation discounts. That said, always ask for the specific spread (the difference between buy and sell prices) before executing a transaction.
Pros and Cons
✓Pros
- ●Lower minimum investment ($25,000) than Augusta
- ●Strong buyback program with highest price guarantee
- ●Frequent promotional offers (free silver on qualifying accounts)
- ●A+ BBB rating with 17+ years in business
- ●Streamlined rollover process — typically 2-3 weeks
✗Cons
- ●Fee structure can vary by account size
- ●Limited to gold and silver (no platinum or palladium)
- ●Customer service wait times can be longer during peak periods
Who Is Goldco Best For?
Investors looking for a balance of reputation and promotional value
At $25,000, Goldco's minimum investment falls in the mid-range — accessible to most serious retirement savers while still indicating a commitment to investors with meaningful portfolios.
With 20 years in business, Goldco is particularly well-suited for conservative investors who prioritize a long track record and proven stability over flashy marketing or aggressive promotions.
Alternatives to Consider
No single gold IRA company is the right fit for everyone. Here are three highly-rated alternatives worth comparing against Goldco:
Augusta Precious Metals
Min. $50,000 · Est. first-year fees: $425 · Gold, Silver
American Hartford Gold
Min. $10,000 · Est. first-year fees: $355 · Gold, Silver
Birch Gold Group
Min. $10,000 · Est. first-year fees: $425 · Gold, Silver, Platinum, Palladium
The Bottom Line
Goldco earns a 4.8/5 rating in our analysis, reflecting an excellent overall package that ranks among the best in the industry. With 20 years in business, an A+ BBB rating, and a $25,000 minimum investment, they target investors looking for a balance of reputation and promotional value.
The fee structure is in line with the industry average, with an estimated first-year cost of $405. The metal selection is limited to gold and silver, which covers the core of most precious metals allocations but lacks platinum and palladium options.
If you value a proven reputation with strong promotional value, Goldco is well worth your consideration. Request a free information kit to learn more about their current offerings and promotional rates.
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