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Research note · Guide

Physical gold vs Gold IRA: compare the ownership model before the product.

Affiliate / advertiser disclosure: This guide is educational and currently noindex pending source review. It does not recommend physical bullion, a Gold IRA, a dealer, or any allocation.

Physical bullion and Gold IRAs are often sold as if they are interchangeable ways to “own gold.” They are not. The ownership model changes custody, fees, paperwork, liquidity, and tax questions.

Side-by-side decision map

TopicPhysical bullionGold IRA
CustodyYou typically control purchase decisions and storage choice, but storage/security are your responsibility.Metals are generally held through an IRA custodian and approved depository arrangement.
Cost stackDealer premium, payment method, shipping, taxes where applicable, storage/insurance if used.Setup, annual administration, storage, dealer spread, transaction/liquidation costs.
LiquidityDepends on product, dealer buyback terms, local market, shipping, and verification.Depends on custodian/dealer process, account rules, liquidation terms, and paperwork.
Tax questionsTax treatment can differ by product, holding period, and jurisdiction.IRA rules can create different tax and distribution considerations. Confirm with a tax professional.

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