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Noble Gold Review

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Noble Gold Review

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Diversification is the key to a well-balanced retirement portfolio. There is not a respectable financial planner around who will tell you to put all of your money into one type of investment. 

Yes, investing your money is definitely more lucrative in the long-term than putting it into a savings account or hiding your cash in your mattress, but investing can be risky, too. The goal is to spread out the risk so in the event of a stock market crash or inflation, for example, your retirement is not jeopardized to a point where you have to figure out a way to work longer or change your standard of living dramatically. 

The concept of diversification is not complicated – it means putting your money into a variety of investments. Now, you scratch your head…which ones? At Gold IRA Investment Company, we are confident in our recommendation of investing in precious metals either as part of an IRA or for your own personal possession to store as you see fit. There are reasons abound for this recommendation – protection against a stock market crash and protection against inflation are two solid reasons. Furthermore, there are tax advantages. With a Precious Metals IRA, you do not pay tax on the gain in value of your metals when they are sold. The only tax is on the amount of money you pay for the gold.

Noble Gold is one of the top choices to diversify your retirement portfolio and expand into precious metals such as gold, silver, platinum or palladium. We have put together a comprehensive review for you, so you can see how Noble Gold stands out, how the benefits of investing in precious metals will help make your financial portfolio stronger, how to get started and what you can expect after you have invested.

Why Choose Noble Gold?

Let’s begin with Collin Plume, Noble Gold’s president and CEO, whose goal is to respect his clients through honest communication and trust, so a genuine relationship is formed between advisor and client. Although the company is relatively new (it began in 2017), there is a combined 25 years of investment experience in the field by the two owners. 

Whether it is through a Precious Metals IRA or investing directing in gold, silver, platinum or palladium bars or coins, Noble Gold wants to make sure that you are satisfied and that you don’t have any unpleasant surprises. To that end, the staff at Noble Gold takes the client – advisor relationship seriously, recognizing that for many investors, this is their first time investing in precious metals. There is trepidation and some nail-biting. The team at Noble Gold will go at the pace of the client, providing information and answering questions and never pressuring their potential customers.

They also offer a lot of options because some clients want to test the waters with a small investment and others have $500,000 to invest in precious metals. There are some people who prefer to buy coins in the form of a rare collection and store them at home or in their own safe storage near their home, and there are others who want to invest but don’t want to come up with storage solutions themselves and having physical gold in there possession is not a priority. For all of these types of investors, Noble Gold has an option.

The website states that you can speak to a “no pressure expert advisor” and have your application processed in just a few minutes. These advisors can explain the advantages of setting up a Precious Metals IRA, also called a Gold IRA or a Self-Directed IRA. They are committed to finding a solution for you that will make you proud to be an investor and proud to be a Noble Gold customer. Noble Gold offers their clients a flat fee structure when purchasing metals, and they have sorted through the myriad of options to find the best products in the industry, all sold to you at very competitive prices. When comparing prices, you will see that Noble Gold is hard to beat. 

When you purchase precious metals from Noble Gold, your order will ship quickly in discreet and secure packaging to protect against vandalism or damage.

Down the road when you are looking to get cash from your investments, Noble Gold can help you with their Buyback program that will purchase your gold, silver, platinum or palladium that they originally sold to you.

As mentioned above, customer service is of high importance, and they know the importance of ratings, reviews, and memberships. They are an accredited business with the Business Consumer Alliance, Consumer Affairs and the Better Business Bureau. Consumer Affairs has a rating of 4.9/5 based on nearly 200 reviews.

Gold and Silver IRAs

Let’s talk about the benefits of a Gold or Silver IRA – value rooted in history, security, diversification and tax advantages. 

To begin, A Gold or Silver IRA is a useful strategy in diversifying your portfolio and protecting your finances. These Precious Metals IRAs are also called “Self-Directed” IRAs, and they allow you to invest in alternative assets, like precious metals, whereas your traditional IRA holds stocks and mutual funds. Especially with inflation looming, many people are getting curious about these precious metals – and for a good reason – they are called “precious” because of their scarcity and their beauty and utility. These precious metals have been collected, appreciated, coveted for thousands of years for jewelry, decoration, and currency. All of these years, these metals have maintained value and now manufacturing of popular goods like smartphones and solar panels include some of these metals. Gold, because it is more rare, is more expensive than silver. It has a beautiful luster, does not tarnish and it conducts electricity. Given all of these reasons and the strong history of gold and silver, their value is not likely to decline significantly. Noble Gold’s website has a good section on their homepage about the history of gold and the impacts of events like the California Gold Rush and the Great Depression had on gold.

 The volatility we witness with the stock market is unlikely with precious metals. So, naturally, investing in gold has become more popular with the increase in stock market instability. In the unfortunate event of a stock market crash, your gold may even increase in value.

Investing exclusively in the stock market can produce huge gains, but the flip side is that it can also produce huge losses – quickly – which means a much bigger risk for this type of investor. You’ve heard it all along – don’t put all your eggs into one basket! So, we have diversification and stability as benefits and Gold IRAs also offer tax advantages. A Gold IRA can be a very smart, tax-efficient way to invest. The tax benefits are the same as a Traditional IRA, meaning that they can provide tax deductions on contributions and distributions (payouts) are taxed as ordinary income at the marginal tax rate. 

As we mentioned, Gold and Silver IRAs are self-directed IRAs. Like a standard individual retirement account that offers tax advantages, the difference is you can invest in alternative investments – like precious metals – which are normally prohibited from regular IRAs. The account is administered by a custodian or trustee, however, it’s directly managed by you, the account holder, which is why it’s called “self-directed.” 

Noble Gold helps you set up a new Gold or Silver IRA or they can help you rollover an existing IRA into a Gold or Silver IRA. You can rollover funds from your traditional IRA, Roth IRA, 401(k) or 403(b) to your gold and silver IRA and Noble Gold has done this so many times, they have the process down!

You can begin by filling out a very basic form on their website, which will take you roughly five minutes. If there is a question on there that you cannot answer, that is okay. Noble Gold will contact you upon receiving your inquiry and help you answer the questions. Alternatively, if you prefer to avoid the online form, simply calling Noble Gold and speaking to one of their experts is the first step. They will discuss with you how you plan to fund it – through a rollover of an existing IRA or with a transfer of assets – essentially moving it from one custodian to another. In a transfer, there is not much you need to do. Noble works with New Direction IRA, which will become the self-directed IRA custodian, and they will get the funds transferred quickly. Normally, after 3-7 days, you will get a call to say that your funds have been moved, at which point, you start adding precious metals to your new Gold IRA. 

In the case of a rollover, they will ask questions about your existing IRA to determine whether or not it is eligible for rollover. In the case of rolling over an IRA, you will cash out of your account, a physical check will be mailed to you and then you will have 60 days to reinvest into a new Precious Metals IRA without any tax penalties. Remember – get that check to Noble Gold in 60 days so there is no penalty.

Once the account is funded, you decide which of the numerous IRA-eligible gold and silver coins you want in your account. Noble Gold has many to choose from, and depending on your level of interest in the different types of metals, Noble Gold can offer you some suggestions.

At this point, the account is funded, the precious metals are picked out and sent to a segregated, high-security, state-of-the-art depository. The depository is IRS-approved and fully insured. 

Now, the precious metals have been purchased, the metals are in the depository, and you sit back and check your account balance as frequently as you like through an online system.

Noble Gold charges an annual fee of $80 and a $150 annual fee if you store your precious metals in depositories in Texas or Delaware. This cost is for segregated storage – which is important – because it means that your gold, silver, platinum or palladium is not mixing with anyone else’s. Whatever is shipped to the depository with your name on it, will always have your name on it. Noble Gold makes a point that they do not recommend commingled storage because it does not give the account holder full ownership of the metals. 

Once you’re eligible to begin receiving disbursements from your IRA, you choose between having the physical coins or bars mailed to you, or liquidation of your account with a check sent to you.

IRA-Approved Coins and Bars

The IRS dictates that coins and bars held in an alternative asset IRA like the one we described must be at a certain level of purity. According to the IRS, Gold coins or bars must be at least 99.5% pure gold. Proof coins need to be in original mint packaging with a certificate of authenticity, and gold bullion needs to be uncirculated to be held in an IRA.

Silver, platinum, and palladium coins and bars must meet similar purity standards. Silver has to be at least 99.9% pure, platinum has to be at least 99.95% pure, and palladium has to be at least 99.95% pure.

Yes, it is strict, but Noble Gold has a large selection for customers to choose from that meet these purity standards. They offer the following:

Gold

  • American Gold Eagle Coins
  • American Gold Eagle Proof Coins
  • Canadian Gold Maple Leaf Coins
  • Austrian Gold Philharmonic Coins
  • Australian Gold Kangaroo Coins
  • Pamp Suisse Lady Fortuna Gold Bars
  • Pamp Suisse 100 Gram Gold Bars
  • Perth Mint 1-Ounce Gold Bars
  • Johnson Matthey 1-Kilogram Gold Bars
  • Four-Piece Set Proof Gold American Eagle Coins

Silver

  • 5-Ounce America the Beautiful Silver Coins
  • 1-Ounce American Silver Eagle Coins
  • 1-Ounce Canadian Silver Maple Leaf Coins
  • 1-Ounce Australian Silver Kangaroo Coins
  • 1-Ounce Austrian Silver Philharmonic Coins
  • 1-Kilogram Australian Silver Coins
  • 1-Ounce Highland Mint Silver Rounds
  • 5-Ounce Highland Mint Silver Bars

Platinum

  • American Platinum Eagle Coins
  • 1-Ounce Canadian Platinum Maple Leaf Coins
  • Baird & Co 1- and 10-Ounce Platinum Bars

Palladium

  • 1-Ounce Canadian Palladium Maple Leaf Coins
  • 1-Ounce Credit Suisse Palladium Bars

Rare Coins and Collectibles

In 3600 BC, Egyptians were the first to smelt gold. There is hardly any other valuable out there that has that kind of history! There are some customers who delight in seeing these beautiful metals in the form of rare coins and rare coin collections. For them, Noble Gold has a wide selection. These rare coins are independently graded and certified by the Numismatic Guaranty Corporation (NGC) or Professional Coin Grading Service (PCGS), and then they are shipped to investors in a sealed case to ensure their quality endures.

 

Noble Gold offers the following rare coins and collections: 

4 Piece Indian – St. Gauden Set: 1928 $2.50 

Indian Head Coin, 1909 $5 

Indian Head Coin, 1932 $10 

Indian Head Coin, 1927 $20 

St. Gauden Coin

1854 Kellogg $20 Coin

1879 Morgan Silver Dollar 

1881 Morgan Silver Dollar

Storage for Precious Metals

For very obvious reasons, the security of your gold, silver, platinum, and palladium is of top concern. With a Precious Metals IRA, the IRS requires all investments to be held in an IRS-approved facility. Noble Gold uses the International Depository Services (IDS) for their state-of-the-art precious metals storage located in Texas, Delaware and in Mississauga, in Canada. Your precious metals will be insured through an all-risk policy

If you are investing for personal purposes and not as part of an IRA, it is still critical that you protect yourself against theft or damage. It is recommended that your gold is kept in a home safe, a secure location nearby your home like a safe deposit box or in the secure Texas storage facility mentioned above that is used for the metals held as part of an IRA. 

Royal Survival Packs

If you are having difficulty choosing your precious metals, Noble Gold offers their clients what they call “Royal Survivor Packs.” These pre-selected packages are designed so that if a client faces an emergency that requires cash quickly, these metals will allow for speedy liquidation. 

There are several different Royal Survival Packs offered by Noble Gold. They range from a $10,000 to a $500,000+ investment:

  • Noble Knight: This package requires a $10,000 investment and it for a serious incident that could last a couple of weeks, possibly more. This set of precious metals will last longer, and fund more, with a bigger range of 
  • Noble Baron: A $25,000 investment is required for this pack that is designed to help individuals prepare for an emergency. Noble Gold suggests this as a starter pack to cover up to two months of expenses for a family of four.
  • Noble Viscount: The $50,000 investment for this package will offer greater security in the face of an emergency and will last for several months for a family of four or for a couple of months for a family with higher spending needs.
  • Noble Earl: This popular $100,000 pack allows you to have the option to split up the included coins and bars so some are in a secure storage facility and some are in your possession for quicker access.
  • Noble Marquess: This pack requires a $250,000 investment and offers individuals greater financial security. Similar to the Noble Earl, you’ll have the option to divide the precious metals so some can be stored in a storage facility and some you can hold at home.
  • Noble Duke: For individuals wishing to protect against almost any catastrophe or crisis, this $500,000 package is wonderful. Like the previous two packages, you can choose how you’d like to split the coins up for storage.
  • Noble Ambassador: This is a customizable package that is available to individuals who live both in the US and internationally. You select how much you would like to invest and how you would like it stored. 

Free Gold IRA Guide

If you have read all of this and still have questions, you might do best to order their free guide, which can be requested by calling them or going to their website. Sometimes, it is just easier to read on paper, so this is a good option! This guide will detail the benefits of a Gold IRA, the process of asset transfer or rolling over an existing IRA, the various IRS-approved coins or bars you can choose and the fast and easy shipping. Noble Gold has the process figured out and will provide you with the information in the form that suits you best. If the free guide is of interest, simply complete the online form and it will be sent to you.

Features

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You can invest in gold, silver, platinum, palladium, rare coins, and coin collections
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Noble Gold has experts that will walk you through the process
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There is a priority on customer service and satisfaction
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They offer very competitive pricing on metals, reasonable annual storage fees and transparent pricing.
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Gold, silver, platinum and palladium are offered as a personal investment to be kept in storage of your choice or you can elect to open a Gold IRA (also known as a Precious Metals IRA or a Self-Directed IRA)
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The Royal Survival Packs offer preselected precious metal investment opportunities to help individuals prepare for a financial emergency of varying degrees.
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Royal Survival Packs are available starting at $10,000 going up to over $500,000 to meet the needs of different investors.

Pros

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Secure, highly ensured segregated storage available at the Texas depository
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When you want to liquidate, Noble has a buyback program so they will buy back the metals that they sold you originally

Cons

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No mention of investing in cryptocurrencies on their website

In Conclusion

We all want security and protection. You have worked hard to earn money and so planning for your retirement or an emergency is the responsible idea. One way to do this is investing in alternative assets, like gold, silver, platinum, and palladium. Noble Gold can help you navigate this process, get you a satisfying, safe and protected investment so that if the worst happens, you will have some peace of mind. Plus, retirement will be much more relaxing if you plan well for it. Diversification is critical and moving some of your assets into precious metals is a wise choice to secure a stress-free financial future. Visit Noble Gold’s website or call them to learn more about all the coins and bars they have to offer, request the free gold guide, purchase precious metals, or sign up for a Precious Metals IRA.

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