Gold IRA Storage Options: Complete Guide
⚠️ Home Storage Is NOT Allowed
The IRS requires Gold IRA metals to be stored in an approved depository. "Home storage IRA" schemes are violations that result in taxes and penalties. Don't fall for this scam.
IRS-Approved Depositories
Your gold must be stored in a facility that meets IRS requirements. Major depositories include:
Delaware Depository
Wilmington, DE. Most popular choice. $1B+ insurance, Class 3 vault.
Brink's Global Services
Multiple locations. Legendary security, worldwide reputation.
International Depository Services
Dallas, TX. Texas-based option for those wanting local storage.
STRATA Trust
Waco, TX. Custodian with integrated storage solutions.
Segregated vs Commingled Storage
Segregated Storage
Your specific coins/bars stored separately, identified as yours.
- ✓ Receive your exact metals at distribution
- ✓ Greater peace of mind
- ✗ Higher fees ($50-$150 extra/year)
Commingled (Allocated)
Your gold stored with others' metals of same type/quantity.
- ✓ Lower storage fees
- ✓ Same value guaranteed
- ✗ May receive different bars/coins
What to Look For
- • Insurance: $1B+ Lloyd's of London coverage
- • Security: 24/7 armed guards, biometric access, Class 3 vaults
- • Audits: Regular third-party audits
- • IRS compliance: Verified approved status
Storage Fees
| Storage Type | Typical Annual Cost |
|---|---|
| Commingled | $100-$150/year |
| Segregated | $150-$300/year |
Our Recommendation
For most investors, commingled storage is sufficient—you're still receiving the same amount and type of gold. Opt for segregated if you're investing $100k+ or want your specific coins preserved.