Regal Assets Review

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Regal Assets Review

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Do You Feel Your Retirement Is Protected?  

Thinking about retirement can cause a substantial amount of nail-biting. The question is: will you have enough money to retire?

In 2019, Charles Schwab surveyed 1,000 401(K) participants, and the conclusion was that it would take $1.7million in order to retire and maintain the same standard of living. Unfortunately, most Americans fall short of their savings goal in order to prepare for their retirement. That is a significant number. Another simple way to calculate, according to the investment group Fidelity, is to save ten times your salary by age 67.

There are many factors in this equation, of course, including the age at which you retire and the type of lifestyle you intend to lead during retirement. Regardless of how you look at it, those are big numbers. What can you do now to get to a more secure financial future?

One of the most popular pieces of advice by financial planners is the concept of diversification or spreading out your savings into different investments. That way, if one segment of the economy suffers, not all of your investments will suffer. Investing in precious metals is a way to diversify your investment portfolio, and it has yielded positive returns for a number of reasons. 

According to Regal Assets, there are a number of high-profile investors who consider investing in gold to be a crucial element in a diverse portfolio. They list examples such as Ray Dalio, Tony Robbins, Kevin O’Leary, Greg McBride, James Rickards, and Frank Holmes, who all recommend that you invest 5-10% of your financial portfolio in gold. As we know, gold has a proven test record of value based on beauty and scarcity that goes back thousands of years.

Is a Gold IRA Right For Me? 

Gold has been used to adorn tombs, make jewelry and decorations, and has been used as a currency for trading goods and services.  To decide whether a Gold IRA is right for you or not, it's important to pontificate the reasons Gold exists and is generally a 10% portfolio allocation in the majority of wealthy individuals.

Today, investors recommend accumulating gold and other precious metals because they can be a protection against the volatility of stock markets or real estate, a hedge against inflation or fluctuations in commodities. 

The investment in precious metals can take on a couple of forms – it can be purchased for personal possession, meaning you buy gold, silver, platinum, or palladium in coins or bars, and you have them stored in the manner you decide. Or, they can be purchased as part of a Precious Metal IRA, in which case they are stored in an IRS-approved facility, and you get the tax benefits that are of a retirement savings account.

Regal Assets is a company started about a decade ago that specializes in precious metals as well as cryptocurrency, which we will discuss below. At Gold IRA, we have put together a complete review so you can decide if Regal Assets is the right company to help you begin diversifying your portfolio and expanding into precious metals or cryptocurrency.

Why Choose Regal Assets?

What are the unique features and benefits of Regal Assets which set it apart from its competitors? Regal Assets is an official member of the Forbes Finance Council, which is “an invitation-only organization for senior-level financial services executives and leaders.” Additionally, they have a policy of a non-pushy sales approach. Customers find no aggressive sales tactics here but rather an approach that allows customers to be educated on the best options for their retirement portfolio so that they are perfectly comfortable with their selections.

Regal Assets also offers a variety of storage options, including options in Singapore, which they say on their website is “the world’s most stable and secure financial jurisdiction.”

Regal Assets offer cryptocurrency as part of an IRA, and they have been one of the first to do so, so they are well-versed in options and risk-reward in cryptocurrency investment.

Finally, Regal Assets sets itself apart by their fee transparency. Before you commit to anything, you will know the fee and commission schedule, so you don’t have any surprises.

Why Invest in Precious Metals?

Let’s get back to the concept of diversification. The idea of spreading out your money over a variety of investments will protect you better in the event of a stock market crash, a rise in interest rates, or a period of high inflation. Consider for a moment the very real likelihood of higher interest rates. Rising interest rates can greatly impact your investments. So, how can you protect yourself from losing money and position yourself to gain money?

One piece of advice that investors consistently return to is diversification. Founder of Regal Assets, Tyler Gallagher, offered this solution: “Diversifying your portfolio with assets that aren’t correlated to the dollar will go a long way toward isolating your wealth from interest rate risk. For example, alternative assets such as precious metals, cryptocurrencies, and mortgaged or fixed-rate real estate can help you hang on to more of your wealth if rates rise.”

So, this investment in alternative assets can be in numerous ways. Precious metals purchased for personal possession is one way, and holding them in an IRA is another way to do this.

As we stated above, the value of gold, silver, platinum, and palladium is not tied to the dollar. These metals have a legacy of value based on limited supply, utility, and beauty. Certain technological advances like smartphones and solar panels use precious metals in their construction, and certainly, these two products will be with us for a long time. Decades ago, our US dollar was backed by gold. Imagine that! You could take your dollars to a federal reserve bank and redeem them for gold.

Then, in 1971, President Nixon demonetized gold, so now our dollar is backed simply by the faith and credit of the US government. The point is not to incite fear and to then invest in gold. The message is more about the concept of diversification – and spreading your wealth over multiple investments, thus spreading out your risk and most likely increasing your gains. Again, because of the value of these precious metals, when it comes time for you to sell, finding a buyer will be quicker and far easier than trying to sell real estate, for example.

Regal Assets and Precious Metals IRAs

We all have heard of an Individual Retirement Account (IRA) and know that they offer benefits for retirement planning and tax advantages. Traditional IRAs hold stocks, bonds, and mutual funds, while a Precious Metals IRA has the same benefits of retirement planning and tax advantages but instead hold – you guessed it – precious metals such as gold, silver, platinum, and palladium. These are a type of self-directed IRA, which means that you will require a custodian that will be able to responsibly handle your investment.

Regal Assets has a form on their website that can be quickly completed and will get the process started for setting up the IRA. You will need to fund this account either by your personal savings or by rolling over an existing IRA. The specialists at Regal have a lot of experience with rolling over IRAs and will be able to tell you if your current IRA is eligible to roll into a Precious Metals IRA. Some of the IRAs that may be eligible for a rollover or transfer include 401(k)s, SEPs, TSPs, and 403(b)s. Once the form is filled out and submitted, Regal Assets will contact you with the next steps.


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What Coins and Bars are Eligible for an IRA?

IRS regulations dictate that only certain coins and bars are qualified for a Precious Metals IRA. For example, gold must be at least 99.5% pure, silver must be 99.9% pure, and platinum and palladium must be 99.95% pure. Regal Assets has a wide selection of coins and bars that meet these requirements:

Gold

  • 1 kg Credit Suisse Gold Bars
  • 10 oz Credit Suisse Gold Bars
  • 1 oz Credit Suisse Gold Bars
  • 50 gm Credit Suisse Gold Bars
  • 20 gm Credit Suisse Gold Bars
  • 10 gm Credit Suisse Gold Bars
  • 5 gm Credit Suisse Gold Bars
  • 2.5 gm Credit Suisse Gold Bars
  • 1 gm Credit Suisse Gold Bars
  • Gold American Eagle Coins
  • Gold Canadian Maple Leaf Coins
  • Gold American Buffalo Coins
  • Gold Austrian Philharmonic Coins
  • Gold Chinese Panda Coins
  • Gold South African Krugerrand Coins
  • Gold Britannia Coins

Silver

  • 100 oz Silver Bars
  • 10 oz Johnson Mathey Silver Bars
  • 1 kg Silver Australian Kookaburra Coins
  • 1 kl Silver Australian Koala Coins
  • Silver American Eagle Coins
  • Silver Canadian Maple Leaf Coins
  • Silver Austrian Philharmonic Coins
  • Silver Britannia Coins

Platinum

  • Platinum American Eagle Coins
  • Platinum Canadian Maple Leaf Coins
  • Platinum Australian Koala Coins

Palladium

  • 10 oz Credit Suisse Palladium Bars
  • 1 oz Credit Suisse Palladium Bars
  • Palladium Canadian Maple Leaf Coins

Cryptocurrency and Regal Assets

 

Regal Assets has been a leader in the investment of cryptocurrencies in IRAs. Cryptocurrencies like the familiar Bitcoin and Ethereum are considered by many experts as the new digital versions of gold and silver because they also are not tied to the dollar or stock market. They are decentralized and controlled by supply and demand. While this new type of investment does carry risk, as explained clearly on Regal Asset’s website, there is great potential in increasing the value of your retirement portfolio as part of a diversified plan.

Regal Assets has been working with cryptocurrencies like Bitcoin, Ethereum, Litecoin, Tezos, Zcash, XRP, Stellar, and EOS for nearly a decade and therefore have far more experience than most other companies in this industry. Currently, Regal Assets is considering expanding the cryptocurrencies they offer to their clients and are therefore open to customer feedback if there is a cryptocurrency that you would like to see offered.

Keep in mind that Regal Assets was the first to obtain a cryptocurrency trading license, so they are a recommended option if you want your portfolio to include cryptocurrencies or even if you just want to know more.

Regal IRAs

Regal Assets offers a unique IRA option called the Regal IRA. This is the first alternative asset IRA that allows investors to hold both precious metals and cryptocurrencies in the same retirement account and was created to encourage diversification and the potential for growth while minimizing risk. In other words, if one of these areas experiences a downturn, such as cryptocurrencies, your Regal IRA will still have the precious metal portion to hopefully keep it stable or growing. These Regal IRAs allow you to hold gold, silver, platinum, or palladium as well as any of the cryptocurrencies listed above in one IRA.

Cryptocurrencies are a fairly abstract concept to understand, especially when compared to an obvious tangible item like gold or silver. They are frequently called “digital assets,” “digital currency,” or the digital equivalent of precious metals and were designed to revolutionize peer-to-peer transactions. There is no bank and no credit card company. Also, when it comes to the most popular and well-known of the cryptocurrencies, Bitcoin, there is a predetermined number of coins that can ever be created, so the currency cannot be devalued in the future by a central bank issuing more of them.

In addition to Bitcoin, there are hundreds of other cryptocurrencies. Most of which function a bit differently, and beyond being a currency, another cryptocurrency functions as a platform for smart contracts. This class of cryptocurrency is software that offers technology used by individuals, governments, and banks across the globe and solves problems such as record keeping, speed, and ease of monetary transfers, decentralized banking, and exchanges. The largest and most popular of these is Ethereum.

With the goal of helping clients optimize their retirement portfolio, Regal Assets believes in a personalized approach. A team member will work closely with you to determine your risk tolerance, your timeline, your interest, and your available funds to figure out the best mix of precious metals and cryptocurrencies to meet your financial goals.

Like any market leader, Regal Assets knows it has to keep improving, so they often add coins, bars, and cryptocurrencies to their available selection in their Regal IRAs. Their website has their most updated list of options.

Franck Muller Watches

Regal Assets offers a line of exclusive and elegant Franck Muller watches that combine complex and high-quality workmanship and design with cutting-edge technology. These beautifully-made watches are diamond-studded and made of precious metals. The watch also doubles as a Bitcoin wallet. Each watch includes a “Deep Cold Storage” set, with its own unique public address etched on the dial and a sealed USB containing the private key. You are able to add your Bitcoins to your Bitcoin wallet or check your balance directly through the dial of your watch! That is the marriage of form and function if there ever was one.

Currently, there are ten men’s watches and three women’s watches in the collection, and the details are available on the “Watches” section of the Regal Assets website. All sorts of details are offered about the quality and unique design, and you can learn the history of its inventor, Franck Muller.

Special Investment Packages That Make Selection Easier

Scratching your head…where do I start? This is a common feeling. For that reason, Regal Assets has simplified the selection process for you if you want by putting together six different investment package options. These packages include varying values of pre-selected precious metals and, in some cases, cryptocurrencies. These packages appeal to the new investor who has minimal funds to invest as well as the seasoned investor who wants to devote more of his portfolio to precious metals and cryptocurrencies. See the “Resources” drop-down menu on the website and select “Our Recommendations.”

The Merchant Package and the Knighthood Package are designed to provide individuals with protection and security.

  • Merchant Package: This is a $5,000 investment in gold and silver so that you get the security of precious metals without a huge commitment. In the event of an emergency, this account can be quickly liquidated to provide immediate funds.
  • Knighthood Package: The $10,000 investment in gold and silver coins in this package offers protection to families against an emergency. Regal says it can cover expenses for up to three months for an average family of four.

The four remaining packages offered by Regal Assets are designed for growth and appeal to individuals looking to invest larger amounts and explore cryptocurrencies. These packages include:

  • Legacy Portfolio: For $25,000, you’ll receive a combination of precious metals and cryptocurrencies (allocation details explained when you contact a specialist at Regal Assets). Considered a starter package for combining these two investments, it is also a way to begin what Regal calls “robust growth.”
  • Kingship Portfolio: This is a $50,000 investment in gold, silver, and cryptocurrencies. Specialists at Regal will design this package for you with the goal of short-term gains and protection against inflation. 
  • Dynasty Portfolio: This is for a more serious investor, as it has a $100,000 buy-in, but it can dramatically improve your retirement portfolio. This is a combination of precious metals and cryptocurrencies. 
  • Coronation Portfolio: Individuals with a high net worth and long-term wealth-building may want to consider the Coronation Portfolio for $250,000. Specialist and client work closely to determine an appropriate mix of precious metals that are tailored to meet your investment goals.

Where is the Precious Metals Storage?

Precious metals are a valuable investment, so obviously, secure storage is a primary concern. Regal Assets takes this part of the process very seriously and has made the process easy, reliable, and secure. You don’t need to sign up for a separate account or fill out extra forms. Regal Assets has found the IRS-approved storage facilities that meet extra strict requirements such as having private insurance and segregated storage, meaning that your precious metals are in Vault storage with a private, fully insured third-party custodian in a separate space. Your holdings will never be mixed with someone else’s. They will be in your name, clearly marked. Independent auditors independently verify every account to ensure the holdings are accurate.

Segregated storage with Regal Assets means that the full value of the account is insured. Storing precious metals on your own in a safe deposit box carries more risk – if there was a break-in or a natural disaster, the likelihood of recovering the full value would be very slim. 

If you are choosing to purchase gold for a personal investment, you can hold your gold in a location near you. That will not be difficult with all of the locations they offer globally through Brink’s, the world leader in maximum security storage. The precious metals held in secure storage are always yours. If you decide you want to have them sent to you or want to sell them, there is a secure number to call and an online option to begin the process if you prefer.

Having some gold or silver at home stored is okay so that in a time of emergency, you have easy access. However, Regal Assets strongly discourages storing large quantities of precious metals at home for obvious theft reasons.

For precious metals purchased as part of an IRA, there are secure options in both the United States and Singapore, with the Delaware Depository being one of the most well-trusted IRS-approved facilities.

With Regal Assets storage, you pay a low flat rate per year. Many other companies charge a percentage of your investment, but Regal charges a flat rate for the life of your account with them.

Free Precious Metals Investment Kit

If you still have questions about investing in cryptocurrency or precious metals – either within or outside an IRA – feel free to contact them for more information. Some customers prefer to see the information printed out so they can read it on paper at their leisure. In this case, we recommend Regal’s free investment kit. Included in this kit are photos of the beautiful precious metal coins and bars you can buy through Regal, as well as the many reasons why precious metals and cryptocurrency could be the right investment for you.

Features

They were the first to offer cryptocurrency in an IRA

Specialists can help you set up a new self-directed IRA or roll over a qualified existing retirement account.

In order to simplify the process, Regal Assets offers numerous packages to choose from with investments from $5,000 to $250,000.

They offer a wide selection of gold, silver, platinum, and palladium IRA-approved coins.

You can purchase an elegant Franck Muller Bitcoin watch that is not only a piece of wearable art; it serves as a Bitcoin wallet.

Segregated storage all over the world means you know your precious metals are secure and in a convenient location.

The storage fees are a flat rate, not a percentage of your holdings, so you can increase your holdings without increasing your storage fee.

They offer a free investment kit for those who wish to have a paper copy of all of their information.

Pros

Regal Assets offers investment in Bitcoin, Ethereum, and other digital currencies.

You can invest in precious metals for personal possession or as part of an IRA, and there are numerous, highly secure storage options available.

There is a non-pushy, non-aggressive sales approach that puts customers at ease.

Cons

Other precious metal companies offer more of a selection of coins and bars.

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Final Verdict on one of our top Precious Metal Retirement Accounts

Two thumbs up 👍  👍   Diversification is the name of the game, and Regal Assets is a leader in diversifying your portfolio by adding gold, silver, platinum or palladium, or cryptocurrencies. 

They have a complete website with educational tools and articles, photos of all the coins and bars you can purchase as well as up-to-date values of the precious metals. When you have questions or decide you want to invest, the process is simple, and they have knowledgeable staff on hand to patiently answer questions without a pushy sales approach. 

Perhaps you would like to get started with a $5,000 investment, or maybe you are ready to take a bigger leap into the precious metals and/or cryptocurrency world and invest $100,000. Either way, they are ready to work with you.

Visit their website today to learn more about the company and how you can grow your retirement fund!


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