The structure of your investment portfolio determines more than just its value. There’s also the fault tolerance element, which is why investors often try to diversify the assets that are in it.
For example, you may consider going the precious metals IRA route, and for that, you will need the right company at your side. This is where Rosland Capital can be a big help.
It’s not just a place for a gold or silver IRA. If you’re interested in other precious metals such as platinum and palladium, then you may also want to consider going the Rosland Capital route.
The real benefit is the expertise that you get access to. As an investor, you want your precious metals ventures to be supported by a company that is acutely aware of different nuances such as regulations, strategies, and more.
Below, not only will you learn more about precious metals IRAs and why they may be a good idea to bolster your retirement savings. You’ll also find out more about Rosland Capital and why it may be a great fit for you!
Advisory! Prior to diving into this review, we’d like to stress that at Investors Circle, our mission is to protect your wealth. We know that our research reports may alter your investment decisions, so we want to be 100% sure you are investing your hard earned money with the right company!
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See if Rosland Capital made our list this year, or continue with this review below to see if they are possibly the right company for your investment needs.
If you’re familiar with the standard retirement account types, then you already know about standard and Roth IRAs. Technically speaking, a gold IRA is not much different in terms of structure, tax benefits, etc.
The big difference, as you can probably imagine is the underlying asset. Instead of paper assets such as stocks, mutual funds, bonds, etc., these accounts are based on the precious metals industry, which means that the investment may be in gold bullion, silver coins, or other precious metals.
A gold IRA account, as you can imagine, is a great way to achieve portfolio diversity, considering it leans on an asset that doesn’t have the same kind of volatility as others that may be based on business moves, fiat currency values, etc.
As hinted at before, the answer here can be found if you use times of economic volatility as your reference in history. Paper assets would fluctuate in value. Any economic downturn in the future would reasonably be expected to yield a similar result.
However, precious metals such as gold tend to hold their value quite well. In fact, you will often find that your physical gold has anything but a linear relationship and will sometimes show inverse behavior in these times.
In other words, while the value of cash, for example, may begin to plummet, that of gold may appreciate. If you look at the period between the year 2000 and currently, gold’s value has gone up over 450%.
Conversely, the cumulative movements of the dollar have seen its purchasing power decline by just about 31%.
Now it’s time to focus on Rosland Capital a bit. The company started in 2008 after being founded by Marin Aleksov. This is someone who was coming in with over two decades of precious metals industry experience.
Though Rosland Capital is based in Los Angeles, it serves customers around the globe and has additional locations in Sweden, London, Munich, and Hong Kong.
As you can imagine, the company is all about precious metals investments such as gold IRAs. It wants to be able to protect its customers from currency volatility.
You’ll find that Rosland Capital prides itself on its customer services, offering both support and guidance, which is expected to yield more informed decision-making on the part of its clients.
There are quite a few companies in the precious metals industry that just want people to open an IRA account for the sake of making a profit. This is one of the reasons it’s so refreshing to see Rosland Capital take a stand that focuses on the education element of things.
After all, you are investing your money into this, so it helps to have a working knowledge of the benefits of making such a decision.
You can often look to Better Business Bureau (BBB) and Business Consumer Alliance ratings to find out how trustworthy companies are and what the customer experience will likely look like. Rosland Capital boasts an outstanding A+ rating from the BBB and a triple-A Business Consument Alliance rating.
As far as customer reviews go, much of the feedback that the precious metals firm gets is positive. Some clients have concerns about the price of the bullion coins and delivery times.
However, you’ll notice that Rosland Capital addresses the complaints and aims to maintain a top-tier customer service offering. For reference, the precious metals company has closed 21 complaints in the past three years.
The first element of the service Rosland Capital offers is that of the store. It can get a bit complex, but that’s why you have a team that’s there to help you. In any case, you’ll find that the storefront has various options including gold, silver, and platinum in the form of bullion coins and bars.
There are also IRA-eligible products rooted in gold and silver, alongside PGA tour and Formula 1 offerings. As indicated before, there is a very strong focus on customer education. Since the company specializes in precious metals, you’ll find that you have access to experts whom you can consult with.
If it is that a precious metals IRA is not the best way forward for you, then you’ll be told just that.
You’ll also notice that there are a host of exclusive coins in the collection alongside the less exclusive ones. The American Gold Eagle, Canadian Gold Maple Leaf, and the South African Krugerrand are just a few of the available coins. Of course, the team can advise you exactly which gold and silver coins qualify for a precious metals IRA if that is your intention.
Platinum and palladium bars are also available alongside the gold and silver options. Bear in mind though that the availability of palladium is a lot less common than its counterparts.
While you may be impressed by many of the rare collector’s coins and wish to obtain them, you may want to keep in mind that these cannot be in an IRA because of their rarity.
Rosland Capital does not charge its clients any fees if they want to set up a precious metals IRA account. However, there is a $225 administration fee to be paid annually and fees will need to be paid to Equity Institutional, which are as follows:
A one-time $50 fee for the setup
A $100 annual fee for maintenance
Depending on the storage type selected, there may be a $100 or $150 storage fee
Any costs that are associated with extra storage
A $40 fee for customers who wish to have paper copies of their statements. Note that eStatement clients (those who prefer to have digital copies) do not incur any such charges
Spot price changes are very likely, and you’ll also find that market forces will influence premium product values. It’s always a good idea to speak to a company representative to ensure that the pricing you are receiving is both competitive and current.
As is the case with just about any business that you decide to work with there are going to be some upsides and Rosland Capital is no different. Whether it’s buying gold coins or setting up precious metals IRAs, here are some of the advantages of going this route:
On-time delivery within a window that tends to be quicker than those of competitors
A host of experience in the precious metals industry
A gold IRA fee structure that isn’t challenging to understand
An impressive collection of gold and silver coins, gold bars, and more
A slew of customer-focused representatives that make the process of setting up a precious metals IRA seamless
As good as Rosland Capital is, there must be a balanced picture painted and this includes the drawbacks of working with the company. These include:
Shared storage with other investors
The company does not directly share costs
Knowing that precious metals retain their value over time, you may have gotten to the point where you’re ready to set up your gold IRA with Rosland Capital. If that is the case, then the process of doing so is very straightforward and is covered below.
You’ll have a representative working with you who will send you all the forms that you will need to fill out and sign. Ensure that you review them as extensively as necessary since you are effectively starting an agreement that comes with regulations coming from an IRA administration.
With everything signed and your account setup, this is the part where you will evaluate and decide what will form a part of the precious metals IRA. For example, silver or gold coins may be selected here.
As you can imagine, your account will need to be funded to start functioning as expected. Your options here are to either fund it by check or via transfer to the account.
As far as the transfer goes, this may be done by rolling over funding from your standard IRA to the one backed by the precious metals resource.
Once this is taken care of, the physical precious metals will be kept on your behalf in Delaware. With that, you will then pay your annual fees as they become required.
Starting at age 72, you will need to begin taking minimum distributions. Note that you can also opt to take the physical gold or cash out the investments.
Gold and other precious metals provide a great way to provide security for your family financially. Additionally, it is a great way to protect your retirement. Remember that even though the underlying assets are different, you get the same tax benefits that come with the traditional retirement account counterparts.
Nevertheless, you have a hedge against inflation and “insurance” against drops in the purchasing power of the dollar. Inflation is often out of control after all. What will the amount of cash look like years from now?
With gold, you don’t necessarily have those kinds of worries. Not only does it retain its value very well, but you may also even find it increasing over time.
Investing is a risky business, and it’s essential to understand these risks and create security by taking the necessary steps to mitigate them. A precious metal IRA may just be one of the most valuable pieces of such a strategy.
Certainly! Rosland Capital has an exclusive selection of certified bars that are convenient to own and of very high quality.
Yes, there is a broad selection of standard and unique silver and gold coins, many of which can be used for a precious metals IRA. If you’re more interested in rare coins than IRA accounts, these are accessible too.
The biggest competitive advantage Rosland Capital has is its customer service combined with its incredible delivery time.
No. Even with the security that gold can bring, it’s not without risk. Your best bet is always to have a diverse spread of assets.
No. The IRS requires that precious metals associated with an IRA be stored in a regulated depository.
Gold bullion, silver coins, and other precious metals can be invaluable to a retirement portfolio. That’s why it’s always a good idea to include them in your portfolio to diversify it as much as possible.
One way to do that is to set up a precious metals-backed IRA with a well-established and experienced company that can provide support, tax advice, and more! Rosland Capital, alongside its custodian, Equity Institutional, provides a great option for you to do so.