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How to Invest in Physical Gold & Silver for Retirement


Courtesy of out-of-control spending by governments all around the world and Central Banks devaluing their currencies by printing trillions to buy the resulting debt, which in turn drives inflation to multi-decade levels and destroys confidence in all fiat currencies. As a result, I fervently believe that precious metals, such as Gold and Silver, are just at the beginning of a bubble that will last for many, many years.



When I refer to Gold and Silver, I mean the “physical” metals. Certificates of Gold and Silver ownership, or Exchange Traded Funds (“ETFs”), are just another paper version of Gold and Silver. When the time comes that you want to exchange your paper assets for the physical metals, either you get paid out in worthless currency or, if you’re lucky, you get a fraction of the physical metals you thought you owned. Simply put, if you can’t hold the physical metals in your hand, you don’t own it. 



Furthermore, even if you own the physical metals, where do you put it? I don’t recommend putting it in a safety deposit box in the bank because, in the event of a bank failure, your physical metals can be seized by the bank. By law, the physical metals are their asset, and they owe the value of the metals to you; that is their liability to you. But in bankruptcy, that debt is considered subordinate debt, and you will likely get little or nothing in return. Even if you do get some money back, it will be in worthless currency. You need to store your metals at home or in a private vault, or both, basically anywhere outside the banking system.



Retirement funds, such as 401Ks and pensions, are limited in their investment options and subject to changes in the law governing such investment vehicles. The typical options are just stocks, bonds, and cash. That’s it! Based on my own experience, the only way you can invest in Gold or Silver is by purchasing the ETFs, assuming that is even available. 


Benefits of Transferring My 401K Retirement Funds to an SDI

When I left the corporate world, the first thing I did was transfer my entire 401K to a Self-Directed IRA (“SDI”). There were zero tax implications, it was just a straight swap. The benefits were and are numerous. First of all, you can invest in almost anything you want. I chose physical Gold and Silver. I bought the metals from a broker, such as Sprott Money, using the funds in my SDI, and the broker transferred the metals to my custodian, the SDI provider. Then, I selected where the metals would be stored. First, I chose the private storage provider, Brinks Allied. Then I chose the location of the vault. Then I chose whether the metals would be allocated or unallocated. All are managed by the SDI provider.

The result: I was able to invest my retirement funds in physical precious metals in segregated, allocated storage in a private vault in a foreign location. I retained ownership of the metals outside of the banking system and outside the country, with zero tax implications. This ensures that I retain ownership of the metals in a global financial crisis, hedge against inflation and a collapse in fiat currencies, and increase my wealth as the value of Gold and Silver rises. I can’t stress enough how beneficial a Self-Directed IRA is when it comes to protecting your wealth for retirement and even increasing it.


Contact us today, and we will help you get started with your IRA precious metals investment


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About Sprott Money

Specializing in the sale of bullion, bullion storage and precious metals registered investments, there’s a reason Sprott Money is called “The Most Trusted Name in Precious Metals”.

Since 2008, our customers have trusted us to provide guidance, education, and superior customer service as we help build their holdings in precious metals—no matter the size of the portfolio. Chairman, Eric Sprott, and President, Larisa Sprott, are proud to head up one of the most well-known and reputable precious metal firms in North America. Learn more about Sprott Money.

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About the Author

David Brady has worked for major banks and corporate multinationals in Europe and the U.S. He has close to thirty years of experience managing multi-billion dollar portfolios including foreign currency, cash, bonds, equities, and commodities. David is also a CFA charter holder since 2004.

Using his extensive experience, he developed his own process utilizing multiple tools such as fundamental analysis, inter-market analysis, positioning, Elliott Wave Theory, sentiment, classical technical analysis, and trends. This approach has improved his forecasting capability, especially when they all point in the same direction.

His track record in forecasting Gold and Silver prices since has made him one of the top analysts in the precious metals sector, widely followed on Twitter and a regular contributor to the Sprott Money Blog.

*The author is not affiliated with, endorsed or sponsored by Sprott Money Ltd. The views and opinions expressed in this material are those of the author or guest speaker, are subject to change and may not necessarily reflect the opinions of Sprott Money Ltd. Sprott Money does not guarantee the accuracy, completeness, timeliness and reliability of the information or any results from its use.


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