Silver IRA
Your Retirement Account. Anchored in Real Metal.
A Silver IRA is a self-directed IRA that holds physical silver instead of stocks and bonds. Roll over your existing 401k, IRA, or annuity — tax-free and penalty-free — and put something real behind your retirement.
Who Qualifies
Former Employer 401k
$25,000+ — Any age — No restrictions
Traditional or Roth IRA
$25,000+ — Any age — Simple transfer
Annuity
$25,000+ — Any age — Rollover from existing annuity
Current Employer 401k
$25,000+ — Age 59½ or older — In-service distribution
Cash Purchase
$10,000+ — Any age — No IRA required
The Three-Step Process
- Step 1
Open Your Equity Trust Account
We guide you through opening a self-directed IRA with Equity Trust Company — the largest self-directed IRA custodian in the United States. Takes about 15-20 minutes online.
- Step 2
Fund Your Account
Equity Trust coordinates a direct rollover or transfer from your existing plan — no taxes, no penalties, no 60-day clock. Typically 10-21 business days.
- Step 3
Purchase and Secure Your Silver
You direct Equity Trust to purchase silver from us. We ship your metals directly to Delaware Depository — held in your name, fully insured, viewable online.
IRA Custodian Partner: Equity Trust Company
IRS-Approved Silver
IRS-approved silver must be .999 fine or better. Products that qualify include American Silver Eagles, Canadian Silver Maple Leafs, Australian Silver Kangaroos, and .999 fine silver bars from approved refiners.
Storage at Delaware Depository
Your IRA-held silver is stored at Delaware Depository Service Company in Wilmington, Delaware. You cannot store IRA-held metals at home. Delaware Depository provides fully allocated or commingled storage, full insurance coverage, and online account access.
Fees, Stated Plainly
Equity Trust account fee: $80-100/year. Delaware Depository storage: approximately 0.10-0.15% of metal value annually, $100-150 minimum. Dealer premium varies by product and volume — your specialist will quote before any purchase. No hidden fees.
Silver IRA Questions
Is a Silver IRA rollover taxable?
A direct rollover or trustee-to-trustee transfer from a qualified 401k, IRA, or annuity into a self-directed Precious Metals IRA is not a taxable event and carries no early withdrawal penalty. Your specialist will confirm which method applies to your plan.
What is the minimum to open a Silver IRA?
$25,000 for an IRA rollover or transfer. Cash purchases outside an IRA start at $10,000, and physical delivery orders start at $5,000.
Can I store IRA silver at home?
No. IRS rules require IRA-held metals to be held by an approved depository. Your metals are stored at Delaware Depository in your IRA's name.
How long does the process take?
Account setup takes about 15-20 minutes. Funding typically takes 10-21 business days depending on your current plan administrator.
Which silver products are IRA-eligible?
Silver must be .999 fine or better. American Silver Eagles, Canadian Silver Maple Leafs, Australian Silver Kangaroos, and .999 fine bars from approved refiners all qualify.
Can I take physical possession later?
Yes. At distribution you may take an in-kind distribution of the metal itself or liquidate it, subject to the same tax treatment as any IRA distribution.
Ready to Anchor Your Retirement in Real Silver?
Speak with a specialist about whether a rollover makes sense for your situation. No cost, no obligation.
(866) 818-7243Monday–Friday 8am–6pm Pacific