Goldco Review 2026

Evaluating a buyback policy

A buyback policy tells you what happens when you want to sell. Our data describes Goldco's program as guaranteed. Before you treat that as a benefit, ask how the buyback price is set, whether it is based on the spot price at the time of sale, how long the process takes, and whether the company charges a fee.

• Is the buyback price a fixed formula or a negotiated quote?
• Does it apply to every product you bought, or only to certain coins and bars?
• How are proceeds paid into the IRA, and how long does it take?
• Can you sell to another dealer instead, and does the custodian allow it?

A guarantee to buy back is not a guarantee of a price. What you receive will be below the price you paid by roughly the size of the spread, so the spread on purchase matters as much as the guarantee.

The silver bonus: how to think about a promotion

Our profile data lists a 10% complimentary silver bonus available for qualifying new accounts. A bonus can lower your effective cost, but only if the products you buy are priced fairly to begin with. Ask whether the percentage applies to the whole account or to part of it, when the bonus metal is delivered, and whether it is held inside the IRA. Request the terms in a document, and compare the all-in price per ounce against at least one other quote.

Pricing that needs a representative

Two cons in our data point the same way: detailed pricing often requires speaking with a representative, and custodian and storage fee specifics may not be immediately visible. This is not unusual in the industry, but it means you should plan to collect the numbers yourself.

1. Ask for an itemized quote by email, not only over the phone.
2. Ask for the custodian's and the depository's own fee schedules.
3. Compare the quote with the same products from a second company.
4. Keep the quote with your records for the rollover.

Where the money can come from

Our data says funding can come from an eligible plan such as a 401(k), 403(b), TSP or an existing IRA, with Goldco coordinating with your current custodian. Which of these you can move depends on your plan. Some plans only allow a rollover after you leave the employer. Ask your plan administrator before assuming a particular balance is available, and prefer a direct rollover or trustee-to-trustee transfer, which avoids the 60-day deadline of an indirect rollover.

Who Goldco fits

At $25,000, Goldco sits in the middle of the five companies on this site. It suits investors who have a mid-sized balance to allocate, who care about how they will exit as well as how they enter, and who are willing to ask for pricing in writing. It is less suited to someone who wants to start below $25,000, in which case American Hartford Gold or Birch Gold Group ($10,000) or Noble Gold ($20,000) are lower entry points.

How Goldco compares with the other four companies on this site

Goldco has the second-highest rating and the second-highest minimum. Augusta ranks higher at 4.9/5 and requires $50,000. American Hartford Gold and Birch Gold Group rank lower and ask for $10,000. Goldco's founding year in our data, 2006, places it between Birch (2003) and Augusta (2012). All five show A+ BBB ratings. As disclosed elsewhere, the Get Free Kit buttons on this site go to our partner Augusta, not to Goldco.

Red flags

• Quotes that change between the first call and the paperwork.
• Anything that blurs the line between a promotion and the price.
• Refusal to put fees or buyback terms in writing.
• Pressure to move retirement funds before you have read the account agreement.

Verify any rating or review figure at its source before relying on it: search the company on the BBB site and on your state attorney general's consumer protection page, and read the account agreement itself, not only the marketing summary.

Frequently asked questions

Does a buyback guarantee mean I get what I paid?

No. It generally means the company will buy your metal back at a price based on current market conditions, which will be lower than your purchase price by the spread.

Is the silver bonus part of my IRA?

That depends on the terms. Ask whether the bonus is delivered into the IRA or outside it, and whether it affects your contribution or rollover amounts.

Where do I find Goldco's fees?

Our data says specifics may not be immediately visible, so request them in writing from the company, the custodian and the depository.