Rollover question - storage fees for my Gold IRA. What are your guys paying?

Mark Adams

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Rollover question - storage fees for my Gold IRA. What are your guys paying?

mark_adams👑Elite (1m-5m)

about 8 hours ago

Key Takeaways

•Diving into the weeds on my Gold IRA from a recent 401k rollover and wanted to poll the room on storage fees.
•My current allocation in the Gold IRA is hovering around $1.8M, all physical gold and silver.
•Augusta charges a flat annual fee of $250 for storage.

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Diving into the weeds on my Gold IRA from a recent 401k rollover and wanted to poll the room on storage fees. I'm currently with Augusta Precious Metals (been with them for about 3 years now), and while I'm largely happy with their service and the peace of mind having some tangible assets brings, their fee structure for storage has me doing a double-take the last couple of quarters.

My current allocation in the Gold IRA is hovering around $1.8M, all physical gold and silver. Augusta charges a flat annual fee of $250 for storage. It's not a huge bite out of gains, especially with the way gold's been performing, but as the portfolio grows, that percentage looks smaller and smaller. I'm based in Greenwich, and honestly, the thought of diversifying custodians for the gold has crossed my mind multiple times, especially as I onboard new clients at the fund who are also asking about physical metals as a hedge. I'm trying to figure out if this flat fee is standard or if I should be negotiating for a percentage-based fee that might be more favorable in the long run given the portfolio size.

For those of you with significant holdings in your Gold IRAs, especially through rollovers from traditional accounts, what kind of storage fees are you seeing? Is it typically a flat fee regardless of asset value, or have some of you negotiated percentage-based fees (e.g., 0.10% - 0.25% of asset value)? And how much emphasis do you place on the custodian's physical location vs. just going with the best overall deal? I'm using Delaware Depository, which is fine, but I'm open to other secure options further afield if the economics make sense. Really curious to hear about everyone's experiences and if there are any hidden gems (no pun intended) out there for large precious metals IRA accounts.

4 comments

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Best Answer▲ 9 upvotes

susan_clark💰Established (100-250k)

Hey, interesting question! I was curious about your setup with Augusta. You mentioned being happy with them overall, but then brought up storage fees. Are those fees specifically for segregated storage, or is it a commingled vault? And if segregated, do you know if it's in a depository they own, or a third-party one like Delaware Depository?

Comments (4)

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

Oh man, I hear you! I did a similar 401k to Gold IRA rollover a few years back and the storage fees definitely caught my eye. I'm with a different company, but I remember feeling like it was one of those "hidden" costs even though it's clearly stated. It's a trade-off for the security, I guess. Interested to see what others are paying too!

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

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

Interesting, I'm hearing more and more about storage fees being a sticking point. While it's definitely a factor, I wonder if people might be overthinking it a bit, especially with smaller portfolios. The security and insured vaults come at a cost, right? For me, the peace of mind knowing my metals are in a top-tier facility outweighs what amounts to a relatively small percentage of my total investment. Plus, a lot of companies offer waived fees for the first year or two, which helps ease into it.

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

Hey, good question! Storage fees can definitely vary, and it's smart to keep an eye on them. One thing I found super helpful when researching Gold IRAs (and trying to keep costs down) was looking into companies that offer segregated storage but might have a flat fee rather than a percentage. Sometimes, as your investment grows, that percentage-based fee can really add up.

Also, a quick tip: always double-check if those fees are inclusive of insurance and annual audits. Some providers might break those out, which makes comparing a bit trickier. I found this comparison chart here pretty useful for seeing how different companies (including Augusta, I think) stack up on fees and storage options.

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