Inherited IRA to Gold - What are my options? (And RMDs?)

Sharon Evans

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Inherited IRA to Gold - What are my options? (And RMDs?)

sharon_evans💰Established (100-250k)

about 3 hours ago

Key Takeaways

•Okay, so my aunt passed away last year and left me her Roth IRA.
•My main question is around the mechanics of it.
•Can I just do a direct rollover from the inherited Roth into a new Gold Roth IRA?

The 3-step rollover process explained

Okay, so my aunt passed away last year and left me her Roth IRA. It's sitting at about $180k right now, and honestly, the thought of keeping it all in stocks makes me a little queasy, especially with all the talk I hear from the execs at the oil company I work for here in Tulsa. I've been dabbling in a Gold IRA myself for the last few years, learned a lot from them actually, so I'm pretty comfortable with the idea of moving some of this cash into physical gold within the inherited IRA.

My main question is around the mechanics of it. Can I just do a direct rollover from the inherited Roth into a new Gold Roth IRA? Or is it more complicated with inherited accounts? I'm specifically looking at gold rounds, maybe some 1oz American Gold Eagles or something similar. I really like the idea of holding something tangible, especially since I don't technically need this money right now and would prefer to let it grow as a hedge against inflation.

Also, since it's an inherited Roth, I know there are some different rules around RMDs than my own Roth. I'm trying to wrap my head around that whole situation too. Has anyone here converted an inherited IRA to gold, and if so, what was your experience with the RMDs? I'm already looking at the RMD Calculator to get a rough idea, but any first-hand advice would be super helpful.

I've only really done direct contributions to my own Gold IRA, so this inherited account is a new ballgame for me. Any advice on pitfalls to avoid, or even just recommended companies to work with for the conversion and storage (especially for someone in Oklahoma), would be greatly appreciated!

5 comments

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Best Answer▲ 9 upvotes

helen_turner💰Established (100-250k)

Hey, I hear you on the stock market jitters! My dad actually left me an inherited IRA a few years back, and I felt the exact same way. Didn't know much about gold beyond some old coins my grandpa had, but after looking into it, I ended up rolling a chunk into a Gold IRA.

The RMDs can be a bit confusing with inherited IRAs, especially Roths since they have different rules. Make sure you get clear guidance on that. Good luck with your research!

Comments (5)

helen_turner💰Established (100-250k)Real Investor•less than a minute ago

The RMDs can be a bit confusing with inherited IRAs, especially Roths since they have different rules. Make sure you get clear guidance on that. Good luck with your research!

frank_rivera💎Premium (500k-1m)Real Investor•less than a minute ago

Hey, sorry to hear about your aunt. Glad you're thinking proactively about this.

You mentioned talking to execs at the oil company you work for – what kind of "talk" are you hearing that's making you queasy about stocks? Is it general market sentiment or something specific to the energy sector?

margaret_chen🏆Advanced (250-500k)Real Investor•less than a minute ago

Hey, first off, sorry for your loss. It's smart to be thinking about how to manage that inheritance. Just a heads up though, I'd be really careful about letting the "talk I hear from the execs at the oil company" overly influence major financial decisions. They're likely looking at things through a very specific lens that might not align with your personal risk tolerance or overall financial goals. Gold can definitely be a hedge, but it's not a magic bullet, especially when considering the long-term growth potential you might be giving up in a Roth IRA.

Also, make sure you really understand the mechanics of moving an *inherited* Roth IRA into gold, especially with the RMD rules. It’s not always as straightforward as a regular IRA and you want to avoid any nasty tax surprises.

helen_turner💰Established (100-250k)Real Investor•less than a minute ago

Hey there! Sounds like you're in a bit of a tricky spot navigating those inherited IRA rules. One thing to definitely keep in mind, since it's a Roth, is that qualified distributions will be tax-free. When you're looking at gold, make sure you understand the difference between direct physical gold (like coins or bars) and gold mining stocks or ETFs, as only certain types of physical gold are allowed in an IRA.

Here's a good resource that breaks down the specific IRS rules for precious metals in an IRA: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf. Might be helpful to review so you know exactly what your options are for moving forward. Good luck!

william_davis💎Premium (500k-1m)Real Investor•less than a minute ago

Hey, I totally get where you're coming from. I also inherited a traditional IRA a few years back, and a large chunk of it was in tech stocks that made me super nervous. I ended up rolling about 40% of it into a gold IRA and honestly, the peace of mind has been worth it. My advisor said it was a smart move for diversification, especially since the market feels so… unpredictable lately. Glad to hear you're looking into it!

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