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Universal Coin and Bullion Review: 2023 Updated

Precious metals have always been thought of as valuable items throughout history.

People’s desire for gold is mentioned in many old documents of humankind, both as an artistic medium and as money.

The corporate office of the precious metals dealer Universal Coin Bullion is in Beaumont, Texas.

Additionally, it offers services to customers who wish to create precious metals IRAs.

There is a wealth of information regarding precious metals on its website. 

Furthermore, there is no information on how Universal Coin Bullion enables precious metal vault storage. Platinum and palladium-based goods are not available either.

Check out the following Universal Coin Bullion review:

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!

With this in mind, we urge you to check out our list of the top five companies in this space (we found 1 that fits 99% of investors needs)

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See if Universal Coin Bullion made our list this year, or continue with this review below to see if they are possibly the right company for your investment needs.

Universal Coin Bullion

Universal Coin and Bullion Review

Universal Coin Bullion helps precious metals investors and collectors buy gold and rare coins.

It is a renowned company in numismatic materials and is known for providing services that have won many awards.

The areas of expertise of Universal Coin Bullion include rare American coins, gold and silver bullion and coins, and self-directed IRA plans.

It is also recognized by the Better Business Bureau. This firm has handled more than a quarter of a million happy clients since it began operations in 1994.

Universal Coin Bullion Management

America’s Gold Expert, Dr. Fuljenz, is the Universal Coin and Bullion Management team founder.

His excellent work in consumer education and protection in precious metals and rare coins allowed him and Universal Coin Bullion to receive more than 60 prestigious regional and national honors.

Moreover, his writings and speaking engagements on gold and rare coins have established him as the foremost expert in the field.

He has received Best of the Year honors from both the Numismatic Literary Guild and the Press Club of Southeast Texas.

Dr. Fuljenz frequently appears as a guest on local and national business and personal finance shows, including Fox Business Network and CNBC.

The Universal Coin and Bullion Management team founder is on the boards of the Industry Council for Tangible Assets and the Numismatic Literary Guild.

Universal Coin and Bullion Products

Universal Coin and Bullion Products

The precious metals dealer of Universal Coin Bullion offers precious metal deals, including IRA-approved gold and silver bullion.

Although Universal Coin Bullion offers other alternatives, its best sellers are the gold and silver American Eagle coins.

These include the American Silver Eagle, the Australian Gold Kangaroo, the Gold American Buffalo, and various weights of bars.

What Includes the Select Four Portfolio of Universal Coin Bullion

Universal Coin and Bullion offers a product called the “Select Four,” which refers to the four main precious metals coin categories that, in the opinion of Universal Coin Bullion, have the greatest potential for future growth.

This free IRA diversification kit helps customers get popular IRA-eligible coins and precious metals, such as silver coins, American Gold Eagle coins, and platinum or palladium products.

These Select Four customers get a pre-assembled collection of highly sought-after precious metals coins that have been popular over the previous few years.

Some of these precious metals coins have had considerable price gains, confirming the Universal Coin and Bullion’s quality and knowledge about precious metal coins.

According to the Universal Coin Bullion, the prices for the rarest coins would soon surpass the common price collectors are willing to pay.

The Half Eagles, the Silver American Eagle Coins, and the Indian Head Quarter fall under these categories because of their distinctive in case designs with historical value.

The Select Four buying team of Universal Coin Bullion also selects modern coins with the greatest potential to become rare commodities in the future.

Moreover, the Universal Coin Bullion has already suggested some $25 Gold Eagle coins from specific periods, which have already been classified as “rare” in other dealers’ inventories.

Future outcomes are not ensured by past performance. However, many customers who had previously listened to the advice of the Select Four had benefited from timely purchases of rare coins at a fair price before the price rose in response to rising demand.

How the Universal Coin Bullion Deals with the Certification of Gold Products

Strict guidelines for product grading and certification were established when grading businesses such as the Professional Coin Grading Service (PCGS) and Numismatic Guaranty Company (NGC).

A coin is sonically sealed in a tamper-resistant plastic holder after being inspected, certified, and authenticated by the NGS or PCGS.

It is then marked with a serial number, a warranty grade, and a description.

Investors and collectors should take note of this since certification by a third party increases trust in the coin’s authenticity and grade.

If you want a precise estimation of the coin’s market worth when you purchase a rare coin, you must be aware of the grade.

Even while silver bullion coins collectors and investors adhere to strict criteria, coin grading is still an art, not a precise science.

The Universal Coin Bullion Company urges you to learn more about coin investment by contacting its team and using the helpful resources available on its website.

Also, check out its free IRA diversification kit for extra help in your precious metals IRA.

What about the Minted Coins of Universal Coin Bullion?

Minted Coins

A coin that is in mint condition has never been used. It is still in the same state as when it was first issued.

The design should have clear and identifiable elements. It must be glossy, although some dulling can be accepted.

On the other hand, not all the common details will appear on every coin in every series.

These characteristics could increase or decrease the market interest and value of the coins.

Determining the wear of a coin may be difficult since coins in Mint State can range in grade.

Mint State coins’ lowest end includes coins with distracting markings on their surfaces.

What Are the Common Date Gold Coins of Universal Coin Bullion?

These gold coins were minted in huge quantities back in the day, so they are not uncommon.

High-quality common date coins can also be slabbed and sold alongside certifications of authenticity and excellence from grading agencies such as the NGC or PCGS.

These coins are traded according to coin type rather than manufacture date since they are not very rare.

Even though common date coins may seem not too important, they offer advantages as investments.

Although they don’t have any unique or commemorative qualities, they have other qualities that make them valuable on the market for coins and precious metals.

These are more dependable and predictable, making them a much more reliable investment option.

What Is the Numismatic Guaranty Company of Universal Coin Bullion?

The coin certification and grading company used by Universal Coin Bullion is the Numismatic Guaranty Company (NGC), which is based in Sarasota, Florida.

It is part of the Certified Collectibles Group, which controls five other certifying agencies.

Blackstone, a hedge fund headquartered in New York City, is the parent business.

Over 40 million coins have been verified by NGC worldwide.

All Universal Coin Bullion coins are authenticated, graded, described, and encapsulated by NGC in transparent plastic containers.

Market Loss Policy of Universal Coin Bullion

When you buy bullion from the Universal Coin Bullion online shop, you sign a contract promising to purchase the product at a fixed price.

You consent to be held liable by the Universal Coin Bullion for any market losses due to your decision to cancel the purchase, failure to pay, etc., in addition to a $30 cancellation charge.

Moreover, you are liable for any costs incurred by Universal Coin Bullion in retrieving the item from you. Universal Coin Bullion owns all profits from the market.

Is Universal Coin Bullion Legit?

Is Universal Coin Bullion Legit?

Universal Coin and Bullion is a real company; it is not a fraud. It has a genuine owner and a physical location.

Moreover, it has been standing strong since 1994. It would have vanished long ago if it wasn’t a real business.

What Are Precious Metals IRAs?

An individual retirement account that allows individuals to hold gold, platinum, or palladium products as an allowed retirement investment is referred to as a gold IRA or precious metals IRA.

There are no changes to the regulations controlling contribution caps or payout rules, but a gold IRA has to be held apart from a standard retirement account. Investors frequently open these accounts through a specialized company or broker.

Individual retirement accounts (IRAs) are tax-advantaged accounts that help people save money for when they retire.

They are available in various formats, including gold IRAs, Roth IRAs, and standard IRAs. A gold IRA enables investors to store their cash in precious metals, such as gold.

Precious metals IRAs are another name for gold IRAs. In contrast to conventional IRAs, these accounts demand acquiring and storing physical gold. Because of this, gold IRAs need to hire a custodian, which is often a bank or brokerage company that oversees the account.

The Universal Coin Bullion allows owners of self-directed IRA accounts to buy all sorts of precious metals as long as they follow the requirements of the precious metals IRAs.

Things to Consider When Using a Precious Metals IRA

Traditional custodians, such as brokers, do not allow the creation of gold IRAs. These firms do not provide specialized accounts such as gold IRAs.

Suppose you’re interested in opening this sort of account. In that case, you’ll need to find a specialized custodian or company that can manage all the paperwork and tax reporting required to keep a gold IRA, such as Universal Coin Bullion.

The regulations are the same even if the assets could be different from typical IRAs. This implies that you must adhere to the distribution rules when it comes time to withdraw your assets and that you cannot exceed your yearly contribution restrictions.

Those with gold IRAs should think about storage. You must store your physical gold at a location authorized by the IRS, such as a bank or other depository. This process will also work with a recognized third-party company. You cannot keep your valuables at home. If you do, it is considered a withdrawal, and you must pay taxes.

Types of Precious Metals IRAs

Similarly to conventional investment accounts, gold IRAs exist in various formats. The options offered by the Universal Coin Bullion include the following:

Traditional Precious Metals IRA

Pretax funds are used to finance these IRAs. Therefore, contributions and any gains increase deferred tax.

Roth Precious Metals IRAs

Because these contributions are made using after-tax funds, you won’t see the benefit right away. When you start drawing distributions during retirement, you mustn’t pay taxes.

SEP Precious Metals IRAs

SEP gold IRAs are open to all types of workers. In retirement, you will only be taxed once you start withdrawing money. Any SEP IRA contribution is subject to IRS restrictions. 

Advantages and Disadvantages of Gold and Silver Bullion IRAs

Due to the added expenses of investing in gold, gold IRA maintenance fees are greater than those for other IRAs. The investor must also pay extra costs for storing and insuring the precious metal on top of brokerage and account setup fees. They might also include an additional account closing charge and a markup on sales prices.

Due to the high illiquidity in the gold market, it may be challenging to sell significant quantities of the metal without offering a discount. Additionally, it is highly volatile, so the price might change fast. IRA owners may be compelled to sell gold for less than they would like since they must start taking withdrawals when they turn 72.

Why Invest in Gold?

A gold IRA offers many of the same benefits as buying gold directly. With gold from Universal Coin Bullion, investors may protect their assets against market instability since it is usually employed as a hedge against inflation. Furthermore, the price of gold will never be zero, unlike the price of a particular stock or bond, which may go to zero.

These Universal Coin Bullion IRAs offer the same tax benefits as a regular IRA, enabling interest to accumulate tax-free until the owner is prepared to retire. There will be fees if the account holder withdraws funds before turning the established age.

Also Read:  Investing in Gold for Dummies

How Can You Invest in Gold through Universal Coin Bullion?

There are several strategies for buying gold through Universal Coin Bullion. You may purchase physical gold in jewelry, bullion, and coins; you can invest in gold-related stocks or other investments; or buy goods with worth derived from gold. Each approach has advantages and disadvantages. New investors figuring out the best strategy to get exposure to this precious metal might find this intimidating.

You may start making investments in the gold market with some advice from a precious metals dealer, such as Universal Coin Bullion. In order to help you understand more about how to invest in gold, we’ll examine all the possible routes you can take and weigh their advantages and disadvantages.

Gold Jewelry

An indirect method of investing in gold is to purchase gold jewelry from a precious metals dealer. However, due to the markup involved in converting precious metal into jewelry and selling it in the retail market, jewelry typically has a higher value for the wearer than an investment. Expensive gold jewelry may hold its worth, although this is generally more because it is valuable as a collector’s item than because it is made of gold. The expense of storage and insurance is another drawback to using jewelry as a gold investment. Additionally, it’s not a liquid investment because selling it for its market value is challenging.

Gold Bullion

Bullion is 99.5% to 99.9% pure gold that has been shaped into bars or ingots, which are often rectangular for better storage. Central banks frequently keep gold bullion as a reserve asset and are safely guarded in vaults. Investors who purchase gold bullion have direct access to the gold price. However, the price is high. Investors would also have to pay for storage and insurance on their gold investment in addition to the price of buying a gold bar or ingot. Additionally, this option isn’t very liquid either.

Gold Coins

Gold coins and coin collecting have a lengthy history, as they have been used as money for years. These coins still have value to investors even though they are no longer considered legal currency. The price of buying and insuring gold coins impacts how well they perform. They aren’t particularly liquid, though, since you need to locate a collector or customer who would buy the popular IRA-eligible coins from you.

Gold Stocks

Gold stocks represent companies specializing in gold exploration and mining. They also consist of royalty and gold streaming businesses.

Investors have the most upside potential when investing in gold miners. They can invest in new mine development, mine expansion, and the purchase of another gold miner to increase output and outperform the price of gold. They may also distribute dividends, giving investors a source of income based on gold. Since investors may readily buy and sell gold stocks via a brokerage account, gold stocks are pretty liquid.

Gold Certificates

Gold certificates are banknotes businesses issue to demonstrate ownership of a specified quantity of gold. Some banks and financial firms continue to offer gold certificates that provide ownership of a portion of their gold and silver bullion. The U.S. government once issued these certificates as a currency equivalent. Investors may access the price of gold directly using gold certificates. However, they are only as secure as the underlying business providing the certificate. The gold certificate may lose value if the business fails.

Gold ETFs and Mutual Funds

Investors who decide to get gold ETFs should take different risk levels depending on whether they invest in gold mining firms or physical gold shares. They can have direct exposure to the price of gold by investing in an ETF that owns physical gold bars. Moreover, these funds often track gold price changes rather closely. However, ETFs have a price in the form of an ETF expense ratio. Nevertheless, as gold ETFs are sometimes the most straightforward option to invest in gold, the expense is often justified. In addition, they are quite liquid.

Mutual funds and gold stock ETFs frequently own shares of several gold miners. Diversification reduces risk, providing investors with extensive exposure to gold mining.

Gold Futures and Options

The holder of a futures contract can purchase a certain quantity of gold at a future time and price. Additionally, shares of a gold ETF or gold mining company may be bought or sold using options contracts at a predetermined price and date. The agreements allow investors to access gold without owning the underlying investment by moving in tandem with the price of gold or the shares of a stock tied to gold.

Leverage is a drawback of gold futures and options transactions. Investors are not required to pay the entire sum upfront. This leverage can boost an investor’s profits, but it can also result in losses, particularly if the owner doesn’t have enough money to cover the precious metals.

Conclusion of Universal Coin and Bullion Review

Universal Coin and Bullion is a fantastic company. This Universal Coin and Bullion review explains how its collection of rare coins and precious metals is substantial. You may go to the Universal Coin Bullion web store if you want gold and silver coins for your portfolio, such as the Gold American Buffalo, American Silver Eagle, Australian Gold Kangaroo, or another rare coin.

Depending on the metal, rare coins come with a variety of advantages. Buy items that are consistent with what you want and will help you achieve your investing goals.

The precious metals dealer and brokers at Universal Coin and Bullion are highly qualified in their fields and have an in-depth understanding of the business. This Better Business Bureau-approved company aims to educate you about all your possibilities to help you choose the best silver bullion coins for your portfolio.

If you want to become a fantastic gold investor, feel free to go to the Universal Coin Bullion website or check out the rest of our page for more similar reviews.