Noble Gold Investments

Company Overview

Noble Gold Investments was founded in 2016 and requires a $20,000 minimum. It lists a Texas depository, Royal Survival Packs and a home storage option that cannot apply to metals held inside an IRA.

Key Features

Pros and Cons

Company Details

Home Storage Versus IRA Rules

The comparison table lists a "Home storage option" next to Noble Gold Investments. That phrase needs care, because IRS rules require metals held inside an IRA to sit in an approved depository. Keeping IRA metals at home is a prohibited transaction under IRC section 4975 and can turn the whole account into a taxable distribution.

In practice, a home-storage option can only describe metals you own outside an IRA. Ask Noble Gold which products and accounts that option covers, and keep IRA purchases and non-IRA purchases completely separate in writing.

Texas Storage and Royal Survival Packs

The summary above says Noble partners with International Depository Services of Texas, and the features list a Texas depository. If location matters to you, ask Noble to confirm which depository holds your metals, whether your storage is segregated or commingled and what it costs.

Noble also sells Royal Survival Packs. Before paying for any product with IRA funds, ask in writing whether it is IRA-eligible. Metal that does not meet IRS fineness rules (99.5% for gold, 99.9% for silver, 99.95% for platinum and palladium) or that is a collectible cannot be held in the IRA, and taking a distribution to pay for it can create taxes and, before age 59 and a half, a 10% additional tax.

A 5.0 Rating on the Smallest Review Count

Noble lists a 5.0 rating on 892 reviews, the highest score and the smallest review count of the five companies. Augusta lists 4.8 on 2,847. A perfect average on a smaller sample deserves a closer look at the individual reviews, including the low ones. The summary at the top of this page quotes a Trustpilot score of 4.6, which differs from the 5.0 in the table, so check the current figures yourself before you rely on either.

Is $20,000 the Right Size for You?

Noble lists a $20,000 minimum. That is four times the $5,000 listed for Birch Gold Group and double the $10,000 listed for American Hartford Gold, and below the $25,000 for Goldco and the $50,000 for Augusta. Because a gold IRA has recurring flat costs, such as custodian and storage fees, a smaller account feels them more. Ask for the annual cost in dollars and divide it by the amount you plan to hold.

Noble can fit if you:

• can move $20,000 or more by direct rollover,
• want the option of storage in Texas,
• are comfortable with a company founded in 2016, the youngest of the five.

Look elsewhere if you:

• have less than $20,000,
• want the longest track record, which belongs to Birch Gold Group (2003),
• want the widest product selection; Noble's own list of cons mentions a limited selection.

Setting Up a Noble Gold IRA

1. Ask for the fee schedule, the product list and the depository agreement before you open anything.
2. Open a self-directed IRA with an IRS-approved custodian. The summary mentions same-day account setup; confirm what that covers, since the rollover itself depends on your old plan.
3. Request a direct rollover so the money never passes through your hands.
4. Choose IRA-eligible metals and review the premium over spot for each.
5. Ask for written confirmation of where the metals are stored and under what name.

Checking Noble Gold Before You Commit

The Get Free Kit buttons on this page link to Augusta Precious Metals, our partner, not to Noble Gold, and we earn a referral fee if you request that kit. That is a reason to verify Noble independently.

• Read the Better Business Bureau profile, including complaints and responses.
• Check your state regulator for complaints or actions.
• Be skeptical of urgency, guaranteed-return language and any pitch to fund non-qualifying products from your IRA.
• Compare Noble's written quote with at least one other company's quote for the same product.

Noble Gold FAQ

Can I keep my IRA gold at home with Noble?

No. IRS rules require IRA metals to be held in an approved depository. A home-storage option can only apply to metals owned outside an IRA.

What is Noble's minimum?

This site lists $20,000. Confirm the current minimum with the company.

Are survival packs eligible for an IRA?

Ask Noble in writing. Only bullion that meets the IRS fineness rules and is stored in an approved depository can be held in an IRA.