Goldco Review 2026
Goldco is ranked second on this site, with a 4.8/5 rating, BBB A+ and a $25,000 minimum. It stands out for 7-10 day rollover completion and a buyback guarantee, and it works best for investors who are comfortable doing business by phone.
Goldco is built around getting an old retirement account moved into physical metal quickly. This review follows a rollover from first call to depository, explains what a buyback guarantee should contain and lists the fees and questions that matter at the $25,000 entry point.
Pros
- Completes rollovers in 7-10 days, according to the site data
- Offers four metals: gold, silver, platinum and palladium
- Backs its buyback with a guarantee that you should read in writing
- Handles the paperwork between your old account and the new custodian
- Lists about 16+ years in business and a BBB A+ rating
Cons
- Conducts most communication by phone, which suits some investors and not others
- Treats education as secondary to execution
A Goldco rollover, from first call to depository
The site data highlights speed, so it helps to see where the days go. A typical path for an old 401(k) or IRA looks like this:
- Call Goldco and describe the account you want to move, its balance and its current provider.
- Complete the new self-directed IRA application. The custodian, not Goldco, holds the account.
- Sign the transfer or rollover request. Your old provider releases the funds, by wire or check.
- Choose eligible metal and approve the quote. Gold must be 99.5% pure, silver 99.9%, platinum and palladium 99.95%.
- The custodian pays for the order and the metal ships to an approved depository, where it is held in your IRA.
The site data puts completion at 7-10 days. The slowest step is usually outside Goldco's control: your old provider has to release the money. Ask Goldco whether the 7-10 days is counted from the signed request or from the first call.
What 7-10 days does not include
A short timeline helps only if the price you accept is fair. Metal prices move during the day, so a fast process still needs a written quote that shows the spot price and the premium separately. Ask what happens if prices move between the quote and the day the money arrives, and whether the quote is held for a fixed time.
Also confirm who pays shipping and insurance between the dealer and the depository, and whether those costs are inside the fees listed below.
The buyback guarantee: read the mechanics
A buyback guarantee means the dealer agrees to repurchase metal you bought from it. It does not mean you get back what you paid. A dealer sells at an ask price and buys at a lower bid price, and the gap is the spread. A guarantee that fixes the method but not the spread leaves the key number open.
Ask for the buyback policy in writing and look for answers to four things: how the repurchase price is calculated, how many days the dealer takes to pay, whether any selling fee applies and whether the policy covers every product or only some. Because proceeds of an IRA sale go back to the custodian, ask how the cash reaches your account.
Fees listed for Goldco
The site data lists a $25,000 minimum, a setup fee of about $50, an annual fee of about $80 and storage between $100 and $175 per year. The tildes signal estimates, and the storage range depends on the depository and on whether storage is segregated or commingled. Segregated storage keeps your own coins and bars apart; commingled storage pools identical items with those of other investors and usually costs less.
| Minimum | $25,000 |
| Setup | ~$50 |
| Annual | ~$80 |
| Storage | $100-175/year |
A phone-first company: who that suits
Goldco's weaker points on this site are that a phone is required and that education takes second place. In practice, that means you will talk to a person early and often. Investors who like a voice on the line and want someone to coordinate the transfer will find that a strength. Investors who prefer to research alone and place orders online may find it a friction.
If you decide to proceed, request a follow-up email after every call that confirms the products, quantities, prices and fees discussed. That record is your protection if memory differs later.
Checks to run before you commit
- Open the company's BBB profile and read recent complaints and replies, not just the letter grade.
- Search your state securities regulator for any actions against the firm.
- Confirm that every product on your quote is a bullion coin or bar that meets the IRS fineness rules.
- Refuse any pitch for collectible or graded coins inside an IRA.
- Compare the written fee schedule line by line with at least one other company.
How Goldco compares with the other four
Goldco is ranked second at 4.8/5, behind Augusta at 4.9 and ahead of American Hartford Gold at 4.7, Birch Gold Group at 4.6 and Noble Gold at 4.5. Its $25,000 minimum sits in the middle: higher than American Hartford Gold at $10,000, Birch Gold Group at $5,000 and Noble Gold at $20,000, lower than Augusta at $50,000. Its fee figures are close to the others, so the deciding factors are speed, the buyback terms and how you like to communicate.
Questions about Goldco
The site data gives 7-10 days. Ask whether the clock starts at your signed request and remember that your old provider controls part of the timeline.
The home page table and the fee data list a $25,000 minimum.
No. It describes how the dealer repurchases metal. The dealer still buys below the price it sells at, so ask for the repurchase formula in writing.
The site data lists four metals: gold, silver, platinum and palladium, each subject to the IRS fineness minimums.
