Gold IRA Buybacks and Markups (2026): The Numbers Dealers Don't Advertise

Three Prices to Know

The gap between ask and bid is the spread. It's usually the largest cost in a gold IRA, bigger than years of account fees. Augusta's own fee guide calls the spread "usually the one that moves more dollars."

Calculating Your Break-Even

Break-even rise = (purchase price − buyback bid) ÷ buyback bid. If you pay $110 for metal the dealer would buy back for $100 the same day, the metal must rise 10% before you break even, before fees. At a 100% markup, it would need to double.

10% markup10%

30% markup30%

100% markup100%

In the Red Rock Secured case, the CFTC alleged markups of about 100% to 130%. See regulator actions.

What "Buyback Guarantees" Mean

Many companies promise to buy back metals. That's a promise to make an offer, not to pay a set price. Some, like Preserve Gold, advertise no buyback fee; Augusta charges no separate dealer fee (its custodian charges $30 to process a sale). The bid still depends on the market and the product.

Questions to Ask

1. What's the price per ounce over spot?
2. What's your same-day buyback bid on this product?
3. Is this bullion or a premium coin?
4. Are there fees to sell back?
5. Can you put this in writing?

These follow the CFTC's 10 things to ask. Bullion usually has a smaller spread than premium coins; see bullion vs numismatic coins.

Our Picks

Our top pick, Augusta Precious Metals, says it reviews same-day buyback bids with customers before purchase. Our budget pick, Noble Gold, advertises a straightforward buyback program.

Frequently Asked Questions

Precious metals prices can fall as well as rise, and a gold IRA carries setup, custody and storage fees. This page is general information, not financial, tax or legal advice. Consider speaking with a licensed financial professional before moving retirement savings.