Where Is the Gold Stored in a Gold IRA?

When you open a Gold IRA, one of the most important questions you might have is: Where is the gold actually stored? Since you’re not allowed to keep IRA gold at home (doing so would trigger taxes and penalties), understanding how and where it’s securely stored is critical.

Let’s explore where most Gold IRA companies store the precious metals you purchase and what you need to know about those storage options.

IRS Rules for Storing Gold in an IRA

The IRS requires that all physical gold held in an IRA be stored in an IRS-approved depository. These facilities must meet strict regulatory standards for security, insurance, and auditing. You cannot personally store your IRA gold at home, in a bank safe deposit box, or in any non-approved location. Violating this rule will disqualify your IRA and result in taxes and penalties.

Types of Storage: Segregated vs. Non-Segregated

Gold IRA companies typically offer two types of storage through their partnered depositories:

• Segregated Storage: Your metals are stored separately, in a dedicated space under your name. You receive the exact coins or bars you originally purchased.
• Non-Segregated (or Commingled) Storage: Your metals are stored with those of other investors. You’ll receive the same type and amount of metal, but not necessarily the exact same items.

Segregated storage is often a bit more expensive but preferred by investors who want personal identification of their holdings.

Most Common Gold IRA Storage Facilities

Most reputable Gold IRA companies partner with well-established, secure depositories. Here are the most commonly used storage facilities in the United States:

1. Delaware Depository (Wilmington, DE)

• One of the most popular choices among Gold IRA custodians.
• Offers both segregated and non-segregated storage.
• Fully insured by Lloyd’s of London.
• Highly secure with 24/7 surveillance and audited protocols.

2. Brink’s Global Services (Multiple U.S. Locations)

• Known worldwide for armored transport and secure vaulting.
• Facilities in Salt Lake City, Los Angeles, and New York.
• Trusted by banks, governments, and institutions.
• Offers comprehensive security and insurance coverage.

3. IDS of Texas (Dallas, TX)

• Popular for clients in the southern U.S.
• Offers fully segregated, audited storage.
• IRS-approved and insured.
• Known for fast and secure logistics.

4. STRATA Trust & Equity Trust Partnered Facilities

• These custodians work with multiple IRS-approved depositories, giving investors flexibility to choose based on location and cost.

How to Choose a Storage Facility

While the Gold IRA company or custodian will often have default storage partners, you usually have some say in where your metals are stored. When evaluating your options, consider:

• Location: Choose a facility that’s geographically convenient if you may want to visit it.
• Type of Storage: Segregated vs. non-segregated.
• Insurance Coverage: Ensure your metals are fully insured.
• Reputation: Stick with facilities that are audited regularly and used by major custodians.

Can I Visit My Gold?

Some storage facilities allow scheduled visits for account holders. You’ll need to coordinate with your IRA custodian and the depository directly. While not all locations offer this, some investors appreciate the peace of mind from seeing their assets firsthand.

Conclusion

Your Gold IRA assets are stored in some of the most secure facilities in the world. With insurance, surveillance, and strict compliance with IRS regulations, these depositories ensure your investment is safe and protected. When opening a Gold IRA, always ask your provider where your gold will be stored and what storage options are available to you.