WHEN IT'S TIME TO TAKE A DISTRIBUTION

Investments inside IRAs are taxed as ordinary income upon distribution. The same investments held outside of Qualified Plans are taxed as capital gains, which can be significantly less than the income tax for most investors. 

 

When your IRA is invested in the stock market, and it comes time to take a required distribution (RMD), your distribution is given to you in dollars. Given the fact that the buying power of the US dollar continues to diminish with every passing year, what are those dollars going to be worth in 10 years?

 

This is where an IRA backed with precious metals starts to shine. 

Precious metals are the only assets you can own in an IRA that do not require liquidation or sale before taking distributions. Unlike every other investment in your IRA (which need to be liquidated before distribution), metals give you a choice: they can be liquidated inside the IRA, or they can be taken out of the plan in their physical form (and delivered directly to you) as "in-kind" distributions. 

 

Taking physical possession of your metals can be a great opportunity. Taking delivery of your assets allows you to maintain the gold or silver, even after taking your distribution. This allows for the investment to continue to grow and protect your wealth until you decide to liquidate your assets. Your metals are now held outside of your IRA and will have a different tax implication than inside the plan, should you decide to liquidate. Should you decide never to liquidate your metals, and pass them on to your beneficiaries, they would be inherited on a "stepped-up" basis. This allows for all the gains on the metals, once outside the plan to be realized when inherited.

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Copyright © 2019 The Oxford Gold Group - All Rights Reserved. The statements made on this website are opinions and past performance is no indication of future performance or returns. Precious metals, like all investments, carry risk. Gold, silver and platinum coins and bars may appreciate, depreciate or stay the same depending on a variety of factors. The Oxford Gold Group cannot guarantee and makes no representation, that any metals purchased will appreciate at all or appreciate sufficiently to make customers a profit. The decision to purchase or sell precious metals, and which precious metals to purchase or sell, are the customer's decision alone, and purchases and sales should be made subject to the customer's own research, prudence, and judgment.