Goldco Review 2025: Pros and Cons

Goldco is best for precious metals IRA investing

Although Goldco offers direct purchases of gold and silver, it’s best known for its self-directed gold and silver individual retirement accounts (IRAs). The company has built its reputation as a leader in helping individuals diversify their retirement assets with precious metals. Open your Goldco IRA and fund it with new contributions or by rolling or transferring an existing 401(k), 403(b), TSP, IRA or similar account.

Our top picks for gold IRA accounts

Invest in alternative assets, with tax advantages

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• Choose from a variety of self-directed retirement account options
• Invest in alternative assets like real estate, crypto, private businesses and more
• Take advantage of tax benefits to grow your retirement savings

Up to $10,000 in free silver

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• Free gold IRA investor kit
• Buyback guarantee your metals at the highest price
• Open a qualifying gold IRA & get up to 10% in free Silver when you invest $100,000 or more

Earn $200 per referral with a gold IRA

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• No monthly or annual fees and low cost transactions
• Fully backed by physical gold and silver
• Get $200 for each funded referral, and they’ll receive $100 too

What we like about Goldco

Goldco is a solid choice if you’re looking to invest a substantial amount in gold or silver IRAs and value a reputable brand, personalized service and a buyback program. Goldco is among the most highly rated precious metals companies, helping Americans save more than $3 billion in gold and silver.

Its direct gold and silver purchases also give individuals the flexibility to invest in precious metals outside their retirement accounts.

Where Goldco falls short

Goldco’s high $25,000 minimum investment, its requirement that individuals have at least $50,000 in tax-advantaged accounts to work with them, limited metal variety and lack of upfront pricing might deter smaller investors or those seeking more flexibility. The company primarily focuses on gold and silver, with little to no offerings of platinum and palladium. You also can’t place transactions online but instead must call to complete purchases.

Goldco’s fees

Goldco doesn’t offer any direct information about its fees on its website, though it does mention some generic pricing in an article about gold IRA costs. And when we contacted Goldco through its live chat service to inquire about its fees, we were told that we would need to schedule a call with one of its sales reps for more information.

Precious metals IRAs are typically accompanied by one-time account fees and ongoing management fees. Before you sign up, inquire about the following:

• Account setup fees. Mentions $50 on its website.
• Annual account fees. Mentions $125/year on its website.
• Storage fees. Mentions $100–$150/year on its website.
• Minimum investment. $25,000.

Goldco customer experience

Customers reviews across the major review sites are overwhelmingly positive. On Trustpilot and the Better Business Bureau (BBB), satisfied customers praise the company’s level of professionalism, personalization and responsiveness and highlight the smoothness of the rollover process. A repeated complaint among dissatisfied custom is the commission on purchases and markup on coins.

Is Goldco legit?

Goldco is a legitimate private precious metals company founded in 2006. Headquartered in Woodland Hills, California, the company says it has helped “thousands of Americans place over $3 billion in gold and silver.” Goldco has high-profile endorsements from Sean Hannity, Chuck Norris and Dennis Quaid.

Goldco uses bullion depository Delaware Depository for precious metals storage, which maintains $1 billion in all-risk insurance to cover your gold and silver in the event of loss.