U.S. Money Reserve

Gold and other precious metal IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

U.S. Money Reserve is a company that sells gold and offers self-directed gold IRAs. The company has a buyback guarantee and refunds coin orders within 30 days of purchase. It provides insured shipping on purchases, and it requires your signature for delivery. It also has a free gold-buying informational kit for those who are interested, and the company president is a former director of the U.S. Mint.

U.S. Money Reserve has gold, silver and platinum IRA options. The company can set up a new gold IRA or transfer funds from an existing IRA. Customers with existing IRAs and 401(k) or 403(b) plans may roll over all or part of their investment into a gold or other precious metal IRA.

U.S. Money Reserve sells a variety of gold coins and bars that you can use to fund your IRA once you open an account. When you’re ready, U.S. Money Reserve sends the precious metals to an IRS-approved depository to be safely stored.

U.S. Money Reserve has various gold products you can purchase on its site. Many have pricing available online, but you’ll have to call to obtain the most current price for some products. Here are some estimates as of publishing:

• Coins: $247 to $2,097
• Certified coins: $199 to $1,965
• Bullion: $244 to $2,056
• Bars: $1,970 to $60,286

The company also sells silver products, which you can use to fund your IRA or store at home. As with its gold products, you may have to call the company to obtain the most recent pricing, but here are some prices as of publishing:

• Coins: $36 to $17,443
• Certified coins: $57 to $495
• Bars: $2,967

U.S. Money Reserve might be a good choice if you’re looking to diversify your portfolio by buying precious metals or opening up a gold IRA or other precious metal IRA. The $250 annual fee is often waived the first year, which is a nice perk. As with all precious metals investments, make sure to keep in mind that diversification is key and that there is an investment and carry risk.