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GOLD IRA GUIDE
What is a Gold IRA? Everything You Need to Know
If you have ever thought about safeguarding your retirement savings with something more resilient than stocks or mutual funds, chances are you have come across the term Gold IRA. But what exactly does it involve, and what is a Gold IRA?
A Gold IRA is a specific type of self-directed individual retirement account that allows you to hold physical precious metals, primarily gold coins and bullion, rather than traditional paper assets like stocks, bonds, or mutual funds. These metals are held in an IRS-approved depository, not in your home or bank safe deposit box. You can also include Silver, Platinum, and Palladium as additional options alongside Gold.
What makes a Gold IRA compelling is its blend of control and long-term security. You are holding a tangible asset with a centuries-long track record of preserving wealth, while still benefiting from the tax advantages associated with traditional or Roth IRAs.
In times of economic volatility, this combination becomes particularly attractive to those seeking portfolio diversification and protection against inflation or currency devaluation.
This guide is designed to give you more than just surface-level definitions. We will walk you through how Gold IRAs actually function, the key regulatory rules you need to understand, potential pitfalls to avoid, and whether this type of account aligns with your retirement objectives.
A Gold IRA is not your typical retirement account. While traditional IRAs are limited to paper assets like mutual funds, stocks, or bonds, a Gold IRA gives you the option to hold something tangible: physical gold and other approved precious metals.
What makes it interesting is the control it gives you. This is a self-directed account, which means you decide what goes into it.
You can include gold bars, coins, and other IRS-approved metals, building a portfolio that reflects your own approach to financial security.
We will also take a closer look at some of the leading U.S. companies currently offering Gold IRAs, examining what sets the most reputable providers apart from those that may pose higher risks or deliver subpar service.
If you are considering rolling over an existing retirement account into a Gold IRA, we will walk you through how the process works. This is one of the most common funding methods, and when executed correctly, it can be done without triggering taxes or penalties.
From a tax perspective, Gold IRAs follow the same fundamental rules as standard traditional and Roth IRAs:
With a Roth IRA, qualified withdrawals are tax-free. With a Traditional IRA, contributions may be tax-deductible, allowing for potential upfront tax savings while deferring taxes on account gains.
To qualify as a Gold IRA under IRS guidelines, the account must hold physical precious metals, specifically bullion or coins that meet minimum fineness standards. You cannot simply hold gold-related securities like mining stocks or ETFs; those belong in standard brokerage accounts. This distinction is what gives a Gold IRA its unique role in portfolio diversification.
As we already said, Gold is not the only eligible asset. These accounts can also include other IRS-approved metals like silver, platinum, and palladium. Depending on the custodian, some self-directed IRAs may also allow alternative assets, such as cryptocurrencies or structured annuities, but these fall outside the scope of a Gold IRA in the strict sense.
What is the key benefit of this type of account? Diversification. With a Gold IRA, you are allocating part of your retirement portfolio to hard assets that historically move independently of equities and fiat currencies. This can help mitigate risks tied to inflation, geopolitical tensions, or major market corrections, giving you broader protection over the long term.
These accounts are not limited to just gold. They can also include other precious metals like Silver, Platinum, Palladium and other various alternative assets such as cryptocurrencies or annuities, together with traditional investments like stocks and bonds.
RMD Calculator
Estimate your Required Minimum Distribution using the IRS Uniform Lifetime Table. RMDs begin at age 73 for a Traditional or SEP Gold IRA.
$
Estimated RMD
$9,433.96
Divisor for age 73 is 26.5. $250,000 ÷ 26.5 = $9,433.96 required this year.
Based on the IRS Uniform Lifetime Table (Pub. 590-B, Appendix B, Table III), which applies unless your sole beneficiary is a spouse more than 10 years younger. This is an estimate for educational purposes only. Consult a tax advisor for your specific situation.
Gold IRA Accounts
It is important to note that Gold IRAs must be managed by IRS-approved custodians who specialize in self-directed retirement accounts.
These accounts are not typically available through mainstream brokerage firms, as the service model is highly specific. Custodians handle essential administrative tasks such as compliance with IRS regulations, asset storage arrangements, and reporting, making their role critical to the proper functioning of your Gold IRA.
If you are planning a rollover from an existing retirement account into a Gold IRA, we recommend reviewing our in-depth guide on the Precious Metals to IRA Rollover Process. It outlines the key steps, timeline, and regulatory requirements in a clear, actionable way.
Given their unique structure, many people view Gold IRAs as a prudent strategy for diversifying retirement portfolios. They are often seen as a hedge against systemic financial risk, inflation, and currency devaluation, while offering the long-term wealth preservation that physical assets can provide.
On the other hand, holding precious metals is not without risks. Market volatility, storage fees, and liquidity constraints are important factors to consider before making any allocation. Precious metals held in your IRA do not follow the same rules as traditional stock markets, but risks are possible.
Silver is the other main precious metal for retirement accounts. Our silver IRA guide covers how it works.
In order to make an informed decision, we strongly recommend reviewing the official IRS Guidelines for Gold IRAs, which define acceptable asset types, contribution rules, and storage requirements.
Finally, we have included a comparison of some of the leading Gold IRA providers in the U.S., to help you evaluate your options before choosing a custodian or opening an account.
Gold Allocation Calculator
Answer two quick questions to see a sample allocation range based on the three model portfolios discussed above. This is an educational estimate, not financial advice.
20
Sample Gold Allocation Range
10–15%
of total portfolio, based on a conservative model with a longer time horizon
This tool provides a general educational estimate based on the model portfolios discussed in this guide. It is not personalized financial advice. Consult a qualified financial advisor before making allocation decisions.
Understanding How a Gold IRA Works
Some historical data
To fully understand how a Gold IRA works, it is essential to consider both its legal origins and its operational framework.
The inclusion of physical precious metals in self-directed IRAs was made possible by the Taxpayer Relief Act of 1997. This legislation expanded the definition of eligible retirement assets, allowing individuals to incorporate tangible holdings, such as gold, silver, platinum, and palladium, into their long-term savings plans, provided those assets are held by IRS-approved custodians.
This was more than a technical amendment; it fundamentally reshaped how people could approach retirement planning. For the first time, it became possible to directly own physical, IRS-compliant precious metals within a tax-advantaged account, offering an alternative to the volatility and systemic risks associated with purely paper-based holdings.
Still, Gold IRAs are not universally suited to everyone. Some may be deterred by contribution limits, storage fees, or a general unfamiliarity with managing physical assets. However, for those seeking long-term stability and diversification, gold can provide a counterbalance to traditional equity-heavy portfolios, especially during periods of economic uncertainty.
To help you assess whether this strategy aligns with your financial goals, we have included a data-driven analysis below. It explores gold's historical role in retirement planning and presents three model portfolio allocations, tailored to different risk tolerances and time horizons.
Inflation Impact Visualizer
See how inflation could erode the purchasing power of cash savings over time, based on a chosen average inflation rate.
$
%
Today's Value
$100,000
Purchasing Power in 20 Years
$55,368
A loss of approximately 45% of purchasing power over 20 years at 3% average inflation.
This tool illustrates the mathematical effect of compounding inflation on cash purchasing power. It does not represent the performance of any specific asset, including gold, which can also fluctuate in value. For educational purposes only.
The 3 types of portfolios when opening an investment account.
When building a Gold IRA, it is essential to understand the different portfolio strategies that can help diversify your retirement assets. Here are the three primary types of portfolios to consider:
Conservative Portfolio
This portfolio focuses on preserving capital and minimizing risk. It typically includes a higher percentage of traditional assets like bonds, cash, and a smaller portion of gold, around 10 to 15 percent. Ideal for those nearing retirement who want to protect their wealth against market volatility.
Balanced Portfolio
A balanced portfolio aims to achieve steady growth while managing risk. It combines an equal mix of traditional assets such as stocks and bonds with gold, with gold making up about 20 to 30 percent of the total portfolio. This strategy is suitable for those who want to enjoy growth potential while maintaining a level of security.
Aggressive Portfolio
An aggressive portfolio is designed for those with a higher risk tolerance, focusing on maximizing returns. In this strategy, gold can make up 40 percent or more of the total portfolio, with the remaining assets allocated to stocks, real estate, or other holdings. Ideal for younger savers or those looking to capitalize on gold's potential growth over the long term.
Choosing the right portfolio type depends on your financial goals, time horizon, and risk tolerance. It is always wise to consult a financial advisor to tailor your portfolio to your specific needs.
43 Years of Data: 1972–2015
A moderate IRA portfolio's growth over four decades, and how the three model allocations differ.
Average Annual Growth
8.53%
A balanced portfolio with this growth rate would have turned $1,000,000 into over $36,000,000 across the 43-year study period, from 1972 to 2015.
Conservative Portfolio
10% U.S. stocks · 80% bonds · 10–15% gold
Balanced Portfolio
35% U.S. stocks · 60% bonds · 20–30% gold
Aggressive Portfolio
95% U.S. stocks · 40%+ gold allocation
Bar length represents relative U.S. stock allocation, not performance. Based on benchmarks including the Vanguard Total Market Index Fund and CRSP Market Decile data, 1972–2015.
Analyzing Gold Allocations (1972-2015)
To evaluate whether gold actually strengthens the performance of a retirement portfolio, an independent study analyzed market data spanning over four decades, from 1972 to 2015. The goal was simple: to compare how different portfolio allocations performed over time when incorporating varying levels of risk and asset diversification.
The analysis tested three model portfolios: Conservative, with 10 percent in U.S. stocks. Balanced, with 35 percent in U.S. stocks. Aggressive, with 95 percent in U.S. stocks.
Each portfolio maintained the same selection of stocks but differed in allocation. The idea was to simulate how risk-tolerant versus risk-averse savers might build their portfolios in real life.
The following benchmarks were used to model performance: Vanguard Total Market Index Fund (VTSMX), data from 1993 to 2015. CRSP Market Decile 1 to 10, covering 1972 to 1992. Vanguard Intermediate-Term Treasury Fund (VFIFX), 1992 to 2015. Treasury Bills Risk-Free Return Benchmark, 1972 to 2015.
In practical terms, the moderate portfolio included 35 percent U.S. stocks, 60 percent 10-year Treasury bonds, and 5 percent in money market instruments. The aggressive model leaned heavily toward equities, placing 95 percent in stocks. The conservative model was heavily weighted toward treasuries, allocating 80 percent to bonds and only 20 percent to stocks and cash equivalents.
What emerged was a clearer picture of how asset mix influences performance. The variations in allocation affected both growth potential and volatility. This insight becomes critical when deciding whether to include precious metals like gold in a retirement plan.
Figure 1: Performance with Gold Allocation
Results of the Study
Between 1972 and 2015, a moderate IRA portfolio that included a balanced mix of assets showed an average annual growth rate of 8.53 percent. If you had placed one million dollars at the start of that period, your portfolio would have grown to over 36 million dollars in 43 years.
This result alone is impressive. But what is even more notable is how incorporating gold or other precious metals further strengthened the portfolio's resilience and long-term value.
Even for conservative savers, dedicating a small portion of assets to gold can offer benefits beyond simple diversification. Historical data shows that gold tends to hold its value during times of crisis, making it a potential hedge against inflation and market volatility. It does not just preserve purchasing power over time; it may also help add stability to a retirement plan.
By adding gold to your IRA, you create the potential for not only greater returns but also more consistent protection in turbulent markets. That said, this is not a quick-win strategy. Physical gold is not designed to pay dividends or provide rapid gains. Its role is different: it protects and preserves.
If your goal is short-term yield or regular income through dividends, traditional market-based products might be more appropriate. But if you are building a portfolio for long-term security and stability, gold can be a smart, strategic component, especially in uncertain times.
Before deciding, it is essential to weigh your time horizon, your tolerance for risk, and your expectations. A conversation with a qualified financial advisor is the best place to start.
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Compare the Top-Rated Gold IRA Companies
See fees, minimums, metal selection, and BBB ratings side by side before choosing a custodian.
Benefits of Investing in a Gold IRA
A Gold IRA can offer long-term protection and diversification, but it is not the right fit for everyone. Unlike traditional holdings that may provide immediate returns or dividends, gold IRAs are designed to preserve wealth over time, particularly in uncertain economic periods.
Let us explore the key advantages and disadvantages of a Gold IRA to help you make an informed decision.
Gold IRA: Pros and Cons
👍 Pros
✔
Greater control over your financial future
A self-directed account gives you more say over your holdings than a typical retirement account. Most Gold IRA providers also offer guidance to help you choose a strategy that fits your goals.
✔
Hedge against market risk and crisis
Gold has historically acted as a safe haven during economic downturns. During the 2008 financial crisis, gold prices rose while many traditional assets declined. A Gold IRA may help shield part of your retirement savings from inflation, market shocks, and geopolitical instability.
✔
A financial safety net
Gold has tended to hold its value during recessions and periods of global instability, offering a measure of stability when other asset classes falter.
✔
Portfolio diversification
Precious metals often move independently of stocks and bonds, which can reduce overall portfolio risk. A well-diversified retirement strategy is generally better positioned to withstand market shifts.
👎 Cons
✘
Higher fees
Gold IRAs typically involve setup charges, storage costs, and custodial fees that traditional IRAs do not have. These expenses can add up over time and reduce net gains, especially if gold prices stay flat or grow slowly.
✘
Storage limitations
Physical gold must be held in an IRS-approved depository. You will not have direct or immediate access to your holdings, which reduces flexibility compared to other account types.
✘
Counterparty risk
Your metals are managed by custodians and depositories, which introduces a degree of counterparty risk. This is rare, but financial trouble at these institutions could create complications.
✘
Lower long-term return potential
Gold has typically generated lower long-term returns than stocks or mutual funds. It can provide stability, but historically has not matched the growth of equities, so balancing your portfolio accordingly is wise.
Are Gold IRAs Suitable for Me?
While most financial experts agree that diversification is a cornerstone of sound retirement planning, the decision to open a Gold IRA should be based on your personal financial objectives and risk profile. Precious metals are commonly used as a hedge against inflation, currency depreciation, and geopolitical instability. For some savers, allocating a portion, or even the entirety, of an existing IRA to gold or other approved metals can serve as a strategic move toward long-term preservation of wealth.
That said, the physical precious metals market operates under a different regulatory framework compared to traditional financial instruments like stocks or mutual funds. This makes it especially important to consult with a fee-only fiduciary financial advisor before making any major allocation. An impartial advisor can help ensure your choices are consistent with your overall retirement strategy, and assist in avoiding hidden fees, illiquid products, or overly aggressive sales tactics.
Free tool · No sign-up
IRA-Approved Metals Checker
Not every gold or silver coin can legally go into a retirement account. Check which bullion products meet IRS standards — and which famous ones do not.
Industry data point
Calculating…
Based on IRS purity standards under IRC §408(m)(3). Methodology & sources ↓
Methodology: the IRS sets minimum fineness for precious metals held in an IRA under IRC §408(m)(3) — 99.5% for gold, 99.9% for silver, and 99.95% for platinum and palladium. Products must be produced by a national government mint or a refiner accredited by NYMEX, COMEX, LBMA, ISO 9000 or an equivalent body. The American Gold Eagle is admitted by statute despite falling below the gold threshold. Collectible and numismatic coins are excluded regardless of purity, and all metal must be held by an approved custodian at an approved depository, not at home. This is general information, not tax advice — confirm any specific product with your custodian before purchase.
Steps to Open a Gold IRA
Opening a Gold IRA can be more complex than a traditional IRA due to IRS regulations and the physical handling of assets. However, many people find the benefits, such as diversification and protection against inflation, worth the extra effort.
Here is a simplified breakdown of the key steps involved in opening a Gold IRA:
1) Choose a Gold IRA Custodian:
To begin, you will need to select an IRS-approved custodian. This company will set up your account and manage all the paperwork to make your IRA compliant with tax rules. Most custodians also handle the full process, from facilitating gold purchases to arranging secure shipment and storage.
While many people rely on their custodian's preferred gold dealer and storage partner, you are free to select your own, provided they are IRS-approved.
Make sure to research thoroughly and choose a provider that aligns with your expectations, fees, and overall approach.
2) Fund Your Gold IRA:
Once your account is open, it needs to be funded. You can do this by transferring money from an existing IRA or 401(k), sending a check, or initiating a wire transfer. This step activates the account and prepares it for the gold purchase.
Keep in mind that Gold IRAs are subject to the same annual contribution limits as traditional IRAs. The current maximum is $7,500, or $8,600 for individuals age 50 and older.
These limits apply whether you are starting a new account or adding to an existing one.
3) Select a Depository
You will then choose an IRS-approved depository to securely store your gold. Many custodians have established relationships with trusted storage facilities, which can simplify the process, but you are not obligated to use them.
It is important to note that you cannot store the gold at home or combine it with other IRA-held assets such as mutual funds or stocks. IRS rules require that physical gold be kept in a secure third-party facility.
4) Purchase Gold:
Once the funds are available in your gold IRA account, instruct the custodian to buy gold on your behalf. You need to purchase from a dealer that sells IRS-approved gold, with Gold coins and bars being the most common choices. After the custodian places the order and sends payment to the dealer, the gold is shipped to the depository, where it is securely stored and recorded for tax purposes.
IRS Minimum Purity Standards
| Metal | Minimum Purity | Note |
|---|---|---|
| 🥇 Gold | 99.5% | American Gold Eagle is an exception at 91.67% |
| 🥈 Silver | 99.9% | American Silver Eagle, Canadian Maple Leaf qualify |
| ⚪ Platinum | 99.95% | American Eagle, Canadian Maple Leaf qualify |
| ⬜ Palladium | 99.95% | Canadian Maple Leaf is the most common eligible coin |
All products must come from a national government mint or an IRS-accredited refiner. Collectible coins and numismatic items generally do not qualify, regardless of purity.
What Is the Difference Between a Gold IRA and a Traditional IRA?
When comparing a Gold IRA to a traditional IRA, it is helpful to first understand what they have in common before looking at what sets them apart.
Both account types share fundamental tax advantages. Contributions to Traditional IRAs, including those used to fund Gold IRAs, are often made with pre-tax income. This means your contribution may be tax-deductible, reducing your taxable income for the year. Any gains within the account grow tax-deferred, and you will only pay taxes when you begin making withdrawals in retirement.
Another point of similarity is that both Traditional and Gold IRAs can be structured as Roth accounts. In a Roth Gold IRA, you contribute post-tax income. While there is no immediate tax deduction, qualified withdrawals, including both contributions and earnings, are completely tax-free in retirement.
This Roth structure is often favored by those who expect to be in a higher tax bracket in the future, or who want to minimize their tax burden over the long term.
It is important to note that contribution limits and income eligibility rules still apply, especially for Roth IRAs. For example, high-income earners may face phaseouts or require a backdoor Roth strategy.
In short, the key distinction lies not in the tax structure, but in the asset composition. Traditional IRAs hold paper assets such as stocks, bonds, or mutual funds. Gold IRAs, on the other hand, hold IRS-approved physical precious metals, offering a tangible hedge against market volatility and inflation.
Gold IRA Storage Options
When you hold a Gold IRA, one of the most important decisions you will make is how and where to store your precious metals. The IRS has strict rules in place to ensure that physical assets like gold, silver, platinum, and palladium are stored safely and securely. Let us take a closer look at your options.
IRS-Approved Precious Metals Depositories in the U.S.
To be compliant with IRS regulations, all metals in a Gold IRA must be stored in approved depositories managed by qualified professionals. These facilities are specifically authorized to handle high-value precious metals under secure and audited conditions.
Some of the main IRS-approved depositories used by Gold IRA companies in the United States include:
Delaware Depository, Brink's Global Services, International Depository Services (IDS), and Texas Precious Metals Depository.
These institutions provide robust protection for your assets, and some also offer additional storage locations across the country.
Offshore Storage vs. Local Storage
Some Gold IRA companies allow customers to store their metals outside the U.S. Offshore storage can provide an extra layer of protection against domestic risks such as political instability or economic disruptions. However, it often comes with additional fees and legal considerations, and far fewer of our reviewed companies offer this option, so confirm availability directly with your chosen provider.
Offshore storage can be a smart diversification strategy for those concerned about keeping all their wealth in a single jurisdiction, though it is the exception rather than the norm in this industry.
Co-mingled vs. Segregated Storage
Co-mingled storage means your metals are stored alongside those of other customers. This is the more affordable option but does not give you individual ownership over specific coins or bars.
Segregated storage provides a higher level of security. Your metals are stored separately, under your name, in a clearly designated section of the vault.
Although this option typically comes with higher fees, it ensures you retain full legal ownership and easy auditability of your specific assets.
If you are serious about protecting your retirement savings, segregated storage is generally the preferred choice.
Can You Store Gold IRA Metals at Home?
No. Storing Gold IRA metals at home is strictly prohibited by IRS rules. While some companies falsely advertise home storage options, doing so can lead to tax penalties, legal issues, and even disqualification of your IRA. Only IRS-approved custodians and depositories are legally allowed to store IRA metals.
Always verify the legitimacy of any storage offer and stay away from schemes that promise shortcuts or loopholes.
What Metals Can You Store?
Not all metals are eligible for IRA inclusion. The IRS has set specific purity standards for metals to be approved:
Gold: 0.995 or higher. Silver: 0.999 or higher. Platinum: 0.9995 or higher. Palladium: 0.9995 or higher.
Collectors' coins or rare metals generally do not meet these requirements and are not allowed in IRAs. You can read more about this subject in this article. By understanding your storage options and the regulations, you can make informed decisions to help secure your Gold IRA holdings. Always follow IRS guidelines to avoid penalties and ensure the safety of your assets. The IRS sets purity standards for both metals see which coins and bars qualify as IRA-approved silver
IRS-Approved Depositories
🏛️
Delaware Depository
Wilmington, DE
Up to $1 billion in insurance coverage. The most widely used facility for precious metals IRAs.
🏦
Brink's Global Services
Multiple US locations
The brand name most people recognize. Offers both segregated and commingled storage.
🔒
International Depository Services
Multiple locations
Offers segregated storage with competitive pricing across several facilities.
⭐
Texas Precious Metals Depository
Texas
Established 2018. One of the largest facilities in Texas by asset value.
Gold IRA Rules and Regulations
Gold IRA Rules and Regulations
The IRS has established strict rules for Gold IRAs to ensure compliance and security. Here is a simplified overview of these regulations:
Account Administrator Rules
To set up a Gold IRA, you must use an IRS-approved custodian. It is important to note that you cannot personally buy gold or other precious metals with your IRA funds, as it is forbidden. Instead, your custodian will take care of all the transactions on your behalf, from purchasing to shipping, while arranging insurance for the precious metals in your account.
Storage Rules
You are not allowed to keep IRA-included coins or precious metals in your possession. If you do, the IRS will consider these metals as distributed and will impose penalties and taxes. Your custodian will store your metals in an IRS-approved third-party depository. You can request segregated storage for added security, even if this may come with higher fees.
Tax Regulations and Contribution Limits
The current annual contribution limit for self-directed IRAs is $7,500, increasing to $8,600 for those aged 50 and above. Withdrawals from a Traditional Gold IRA are taxed as ordinary income at your marginal tax rate, since contributions were typically made pre-tax. If you withdraw before age 59 and a half, you will generally also face a 10% early withdrawal penalty on the taxable amount. Note that this differs from holding physical gold outside an IRA, where long-term gains are taxed at a separate collectibles rate of up to 28%.
Retirement Age Limits
You cannot access your Gold IRA funds without a penalty until you reach age 59 and a half. By age 73, you must begin taking required minimum distributions from a Traditional Gold IRA.
Early Withdrawal Penalties and Exceptions
The IRS imposes a 10% penalty for early withdrawals but provides exceptions for specific circumstances, such as permanent disability, significant medical expenses, death, unemployment, education costs, and first-time home purchases.
Learn more about Gold IRA regulations on the IRS official website.
Contribution & Tax Savings Estimator
Compare the immediate tax impact of a Traditional vs. Roth Gold IRA contribution this year.
%
Your current contribution limit is $7,500 per year.
Traditional Gold IRA
$1,800
Estimated tax deduction this year. Withdrawals in retirement are taxed as ordinary income.
Roth Gold IRA
$0
No deduction now, but qualified withdrawals in retirement are completely tax-free.
This is a simplified estimate for educational purposes. Actual tax savings depend on your full tax situation, deduction eligibility, and whether you or a spouse are covered by a workplace retirement plan. Consult a tax professional before contributing.
Is a Gold IRA Right for You?
In this article, we have explained in detail why a Gold IRA may make sense for part of your retirement savings and what the main rules are to know. You can also take a look at this article we also wrote, for a closer look at the pros and cons of this type of account.
Generally speaking, a Gold IRA can be a useful option for diversifying your portfolio and helping protect a portion of your savings from certain market risks.
That said, we must advise being careful before working with any precious metals IRA company. There may be setup costs and ongoing fees to consider. It is also important to note that gold does not generate dividends and that its price can fluctuate, even if historically with less volatility than equity markets.
For this reason, we highly recommend seeking advice from a qualified financial advisor before proceeding.
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