Rosland Capital Review 2026: Is It Right for You?
Rosland Capital is a seasoned player with a substantial track record, having operated since 2008. With an A+ Better Business Bureau rating and 1,678 customer reviews averaging 4.5 out of 5 stars, the company has built a solid reputation in the gold IRA industry. They offer the full range of IRA-eligible precious metals with a minimum investment of $2,000.
In this review, we examine Rosland Capital'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 Rosland Capital deserves a place in your retirement strategy.
Our Verdict
Rosland Capital's $2,000 minimum investment makes gold IRAs accessible to virtually anyone. Their four-metal selection and diverse coin offerings provide solid variety. However, the higher fee structure relative to account size and less transparent buyback program mean that investors with larger portfolios may find better value elsewhere.
Fees and Costs
Understanding the full cost of a gold IRA is critical before committing your retirement savings. Below is a complete breakdown of Rosland Capital'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 | $225 (varies by account size) |
| Annual Storage Fee | $150/year |
| Wire Transfer Fee | $25 |
| Estimated First-Year Total | $450 |
| Estimated 5-Year Total | $1,950 |
Rosland Capital's overall fee structure comes in above the industry average when compared to the eight companies we track. Your estimated first-year all-in cost is $450, and over five years you can expect to pay roughly $1,950 in total custodial and storage fees.
The annual administration fee of $225 (varies by account size) is on the higher end of the spectrum. Investors with smaller accounts should weigh whether the company's other benefits justify this premium.
Note: Fees may vary depending on account size, promotions, and the specific metals purchased. Always confirm current pricing directly with Rosland Capital before opening an account.
Available Metals and Investment Options
Rosland Capital offers all four IRA-eligible precious metals: gold, silver, platinum, and palladium. This gives investors the broadest possible diversification within the precious metals asset class.
Gold
IRA-eligible coins and bars (minimum .995 fineness)
Silver
IRA-eligible coins and bars (minimum .999 fineness)
Platinum
IRA-eligible coins and bars (minimum .9995 fineness)
Palladium
IRA-eligible coins and bars (minimum .9995 fineness)
Storage Options and Security
IRS regulations require that IRA-held precious metals be stored in an approved depository — you cannot keep them at home. Rosland Capital partners with Delaware Depository, a single depository facility.
- ✓
Delaware Depository
Wilmington, DE — one of the most widely used precious metals depositories in the U.S., with Class 3 vaulting and full insurance.
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 Rosland Capital'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 Rosland Capital follows a straightforward process. The company assigns a dedicated account representative to walk you through each step.
- 1
Open Your Self-Directed IRA
Contact Rosland Capital 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. Rosland Capital 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. Rosland Capital offers the full range of IRA-eligible precious metals in various IRA-eligible coins and bars.
- 4
Secure Storage
Your purchased metals are shipped to your chosen depository (Delaware Depository). 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.
Rosland Capital's Policy:
Will repurchase metals — contact for current rates
While Rosland Capital does offer a buyback program, it is less aggressively positioned than some competitors that offer explicit price guarantees or no-questions-asked policies. We recommend confirming the current buyback terms and typical spreads before committing your funds.
Pros and Cons
✓Pros
- ●Lowest minimum investment ($2,000) — most accessible entry point
- ●Four precious metals available
- ●Diverse coin and bar selection
- ●A+ BBB rating
- ●Well-known brand with national marketing presence
✗Cons
- ●Higher annual fees ($225) especially for smaller accounts
- ●Buyback program less transparent than competitors
- ●Some customer complaints about sales pressure
Who Is Rosland Capital Best For?
Small investors who want to start with minimal capital
Rosland Capital's remarkably low $2,000 minimum makes it the most accessible gold IRA option available. This is ideal for investors just getting started with precious metals or those who want to allocate a small portion of their retirement to gold without a major commitment.
The availability of all four precious metals (gold, silver, platinum, and palladium) makes Rosland Capital especially attractive for investors who want true diversification within the precious metals asset class, rather than concentrating entirely in gold.
Alternatives to Consider
No single gold IRA company is the right fit for everyone. Here are three highly-rated alternatives worth comparing against Rosland Capital:
The Bottom Line
Rosland Capital earns a 4.5/5 rating in our analysis, reflecting a solid option that may suit certain investor profiles despite some trade-offs. With 18 years in business, an A+ BBB rating, and a $2,000 minimum investment, they target small investors who want to start with minimal capital.
The fee structure is above the industry average, with an estimated first-year cost of $450. Their four-metal selection provides broader diversification than many competitors.
If you value an extremely low entry point and broad metal selection, Rosland Capital is well worth your consideration. Request a free information kit to learn more about their current offerings and promotional rates.
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