How a Precious Metals IRA Works: Setup, Rollover, Custody and Storage Explained - money.com

The IRA route gets you exposure but adds layers of complexity most stackers don't need. Custodial storage means someone else holds your metal while you pay annual fees. The real kicker is liquidity - try accessing that gold quickly during a crisis. Physical ownership means no intermediaries, no storage fees, no custodial risk. Sure, you lose the tax advantages, but you gain complete control. With gold pushing toward $4600, the premium on peace of mind is worth paying. Stack what you can touch, store what you can access. The IRA game works for retirement planning, but nothing beats metal in hand when the system gets wobbly.