Goldco Review (2026): Is One of the Biggest Gold IRA Names Right for You?
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Goldco in One Minute
Goldco is one of the most heavily advertised gold IRA companies in the US. It was founded in 2006 by Trevor Gerszt, who still leads it, and is based in the Los Angeles area (Woodland Hills, California). It sells gold and silver for IRAs and for delivery, and also offers platinum and palladium.
Goldco's IRA minimum has been reported at $25,000, with fees reported at a $50 setup fee, an $80 yearly maintenance fee and $150 to $200 a year for storage. Its website promotes ratings of A+ with the Better Business Bureau and AAA with the Business Consumer Alliance, and advertises up to 10% in bonus silver on qualifying purchases. Like most dealers, it doesn't publish its markups.
| Company | Goldco |
|---|---|
| Founded | 2006, by Trevor Gerszt |
| Based in | Woodland Hills, California |
| IRA minimum | $25,000 (reported) |
| Account fees | $50 setup, $80 yearly maintenance, $150 to $200 yearly storage (reported) |
| Metals | Gold, silver, platinum, palladium |
| Promotion | Up to 10% bonus silver on qualifying purchases (per its site) |
Goldco Fees and Minimums
| Item | Reported Cost |
|---|---|
| IRA minimum | $25,000 |
| Account setup | $50 |
| Yearly maintenance | $80 |
| Yearly storage and insurance | $150 to $200 |
| Dealer markup (spread) | Not published; ask for it in writing |
Account fees are only part of the cost. The bigger number is usually the spread between what you pay for metals and what a dealer will pay to buy them back. Always ask for the buyback price of each product on the same day you buy.
About the Bonus Silver Offer
Goldco's site advertises bonus silver of up to 10% for qualifying purchases. Bonus offers aren't free money: the cost of promotions is typically built into product prices. Compare the total price per ounce, and the buyback price, with and without the promotion. Our guide to gold IRA scams and red flags explains how "free silver" offers work.
How Opening a Goldco IRA Works
- Request information or call a representative.
- Open a self-directed IRA with a custodian Goldco works with.
- Roll over or transfer funds from your current account.
- Choose metals and get prices, spreads and buyback quotes in writing.
- Metals ship to an approved depository.
Goldco vs Our Top Pick
Our top pick, Augusta Precious Metals, has a higher $50,000 minimum but focuses on education, including a one-on-one session with an educator, and says it charges no added sales commission on its quoted prices. If you're investing under $50,000, our budget pick Noble Gold starts at $20,000 for an IRA. See Goldco vs Augusta for the details.
What to Check Before Buying From Any Dealer
- The full price per ounce and the same-day buyback price for each product.
- Whether the products are IRA-eligible bullion or higher-markup collectible coins.
- All custodian, storage and shipping fees in writing.
- Cancellation terms for your specific order.
The CFTC's advisory, 10 things to ask before buying physical gold, silver, or other metals, is a good checklist.
Is Goldco Legit?
Yes. Goldco is a long-running, well-known dealer with strong published ratings. As with every gold IRA company, the main risk is cost: unpublished spreads and promotions can make metals more expensive than they first appear.
Pros and Cons
What Stands Out
- Long-running, well-known company
- Strong published BBB and BCA ratings
- Lower reported minimum than Augusta
- Gold, silver, platinum and palladium
What to Weigh Up
- Markups not published
- Bonus offers can mask higher prices
- Must call to get pricing
- Heavy advertising
Frequently Asked Questions
What Is Goldco's Minimum Investment?
It has been reported at $25,000 for an IRA.
Who Owns Goldco?
It was founded in 2006 by Trevor Gerszt, who leads the company.
What Are Goldco's Fees?
Reported at a $50 setup fee, $80 yearly maintenance and $150 to $200 yearly storage, plus dealer spreads.
Is Goldco's Free Silver Really Free?
Promotions are usually funded through product pricing; compare total prices and buyback quotes.
Our Verdict on Goldco
A legitimate, established company. Get spreads and buyback prices in writing, and compare them with Augusta and Noble Gold before you commit.
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.
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