Goldco Review 2026

Goldco was founded in 2006, holds a BBB A+ rating and scores 4.8/5 in our ranking. Its pitch is a smooth rollover and a buyback program. This review follows an account from the first form to the first sale, and flags where to confirm details in writing.

What Goldco Offers

Goldco handles retirement-account rollovers into self-directed IRAs and sells gold, silver, platinum and palladium. A coordination team manages the paperwork between your old plan, the custodian and the depository, and the company stores IRA metal at Delaware Depository.

The free kit is a printed guide with a DVD and a fee comparison chart, mailed in 3-5 days.

Rollover Walkthrough: From Old Plan to Vault

Goldco's case rests on speed, so the sequence is worth reading closely. In this site's data a rollover takes about 7-10 business days, which is faster than the industry average. Most of that time sits with your previous plan administrator, not with Goldco.

• Gather a recent statement from the 401(k), 403(b), TSP or IRA you want to move
• Open the self-directed IRA with a custodian and sign the transfer request
• Ask the old plan to send funds directly to the new custodian (a trustee-to-trustee transfer)
• Pick the metals once the cash arrives, and review the invoice before approving it
• Confirm the depository, the storage type and the delivery record in writing

What It Costs

The minimum is $25,000. Fees listed here are about $50 to set up, about $80 a year for the custodian and $100 to $175 a year for storage.

Recurring costs therefore run $180 to $255 a year. On a $25,000 account that equals roughly 0.72% to 1.02% of the balance annually, before the dealer spread. A bigger account dilutes those flat fees.

Questions About the Buyback Program

Goldco says it will repurchase metal at fair market value. A buyback promise is only as good as its terms, so ask for them before you buy.

• How is fair market value set on the day I sell, and who sets it?
• Is there a spread between the price I paid and the price you will pay me?
• How many days pass between my sell order and cash reaching my IRA?
• Does the buyback apply to every product, including specialty coins sold at a high premium?
• Is the policy part of the account agreement or only stated on the phone?

Promotions: Read the Fine Print

The home-page comparison lists up to $10,000 in free silver on accounts of $25,000 or more. Promotions like this usually depend on the funded amount, a holding period and the products you choose. Ask for the terms in writing, and work out what the bonus costs you in spread before treating it as free.

Red Flags and How to Verify Claims

Check Goldco's BBB profile and complaint history yourself, and look the company up with your state regulator. Confirm that every product in your quote meets the IRS fineness rules: 99.5% for gold, 99.9% for silver, and 99.95% for platinum and palladium. Decline any quote for collectible coins.

Who It's For, and Who Should Skip It

Goldco fits savers who have at least $25,000, are comfortable talking by phone and want a company that manages the transfer. It fits less well if you want to research independently with a large library of written material, or if your balance is under $25,000.

How Goldco Compares With the Other Four Companies

Goldco sits in the middle on minimum: Augusta needs $50,000, Birch needs $5,000, American Hartford Gold needs $10,000, and Noble lists $2,000. Its flat recurring costs ($180 to $255) are close to Augusta's $180 and a little above Noble's. Goldco mails a printed kit, as Augusta does, while the other three send PDFs.