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Investors looking for a way to expand their investments or retirement savings often turn to gold and other precious metals to balance their investments. Diversity in investing is what all investors hope to achieve.
Gold bullion and gold coins provide investors with a way to diversify their portfolios with an investment that continually performs well, even when other areas of the market may not perform as well.
Precious metals can be invested into your self-directed IRA, part of your TSP, or you can purchase coins or bullion to hold as a collector. All of these investment opportunities have benefits for the investor.
Investors searching for a company that can help them invest in gold and other precious metals may wish to consider working with American Hartford Gold.
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Who Is AHG?
American Hartford Gold is a California-based company that has its headquarters in Los Angeles. The company has been in business for over a decade. The company specializes in gold and silver coins that can be purchased for investment into your self-directed IRA or as collectibles.
The main focus of their business is helping individuals obtain gold and silver coins that are qualified for IRA investments. The company can help clients find the right coins for their investment and have those coins delivered to the IRA depository for storage.
If investors do not have a self-directed or gold IRA already established, American Hartford can help those individuals start an account to invest in precious metals for their retirement legally. The company works with a few different IRA management companies so investors will choose a company for their IRA based on their personal needs.
In addition to retirement investments, American Hartford also offers retail sales of gold and silver coins for collectors. They carry many gold and silver coins from different mints worldwide.
Pros & Cons of Working with them
American Hartford Gold has some of the highest ratings in the gold investment industry. The company continually ranks in the 95 percent or higher customer satisfaction rating with companies such as Trustpilot, Google Business, and the Better Business Bureau.
Comments posted by actual clients of the company state that the company has exceptional customer service and that the reps will go above and beyond their duty to get the clients the information that they need.
The only real complaints that were listed about the company concerned market fluctuations in precious metal prices, which is something out of the control of American Hartford Gold.
Understanding Gold IRAs
The Internal Revenue Service (IRS) has several laws in place concerning retirement savings. Regulations regarding precious metal investments include:
As you can see, there are many regulations concerning gold investments, and violating these regulations could result in hefty fines and penalties. Working with a company like American Haartfod Gold is important to establish the right investment account when dealing with gold.
Gold IRA Accounts Through AHG
American Hartford has simplified the process if you are ready to start a gold IRA. You can complete an account form online or call and speak with one of their helpful customer service reps. The account setup is very quick, and once the account is open, you can begin investing in gold and silver as part of your retirement plan.
Minimum investments for a gold IRA through American Hartford are $2,500 if you purchase gold or silver with cash or $10,000 if you are rolling over the money from a different IRA, 401k, or TSP to fund your gold IRA account.
There is a $180 yearly management fee for the gold IRA. This is a standard price in the industry for this type of service and is paid directly to the management company. American Hartford Gold will cover this cost for the first year you establish your account. For high-end investors, American Hartford may cover up to three years of these fees.
Once you have selected the coins that you wish to invest in for your IRA, American Hartford will pack and ship these coins directly to the IRS depository of your choice. They do not charge you for packing and shipping your coins and will provide you with tracking so that you know where your investment is at all times.
What Types of Coins Do they offer?
American Hartford has many different collectible gold and silver coins available for retail purchase. However, if you are looking strictly for IRA investments, The company offers the following IRS-approved coins for investments:
In addition to these gold and silver coins and bars, American Hartford also has many additional collectible coins from mints worldwide. These can be purchased directly as collectible coins.
What Sets This Company Apart?
When researching different companies offering gold IRAs, one of the main things you want to know is what sets the company apart from others. What makes them the best choice for your investments?
There are several issues that set American Hartford apart from similar companies. Some of these points include:
Exceptional Customer Service
One of the biggest problems that people new to gold investing have is finding a customer service rep willing to answer all of their questions so they can make an informed decision about investing in gold.
American Hartford has been ranked as having the best customer service in the industry. Their reps will take the time to help every customer get informed and feel comfortable about precious metal investing. Their customer service reps continually get recognition in the reviews about the company as being the most helpful and considerate reps.
The company also offers many benefits for its clients that other companies do not offer, which include:
AHG also ensures that all IRA investments are in compliance with IRS regulations. They guarantee all of their clients that the old and silver coins and bars meet purity standards.
Exceptional Educational Information
To ensure that all of their clients can make informed decisions about their gold investments, AHG has created exceptional educational material for clients to use. You can find this information on their website, and their customer service reps will be happy to mail you hard copies of any of this material that you desire. They understand that investing in gold is a large decision, and they want you to feel comfortable when you make your investment.
American Hartford has managed over $1 billion in gold and silver coin transactions in the last decade. The company has been ranked as one of the best gold investment companies in the United States by INC Top 5,000 companies. The company has also been recognized by several different financial institutions as a reputable and knowledgeable company for gold investments.
Gold Buy Back Program
Customers of American Hartford will be pleased to know that the company offers a buyback program for all of the coins they have sold you for your retirement account. This is a service specific to American Hartford.
Once you reach the age of 59.5, you have the right to start cashing in on your IRA. You can sell the gold and silver in your account and access the money from the sale. You should verify first if any penalties are associated with cashing out a portion of your IRA before taking the sale. Laws regarding this practice can change yearly, and you should consult a professional before selling to avoid penalties for early withdrawal.
Once you are ready to sell your precious metals, contact American Hartford. They will arrange to have the gold and silver shipped to them from the depository. When the shipment has arrived, they will issue you a check for the agreed-upon price. It is that simple.
FAQs About AHG
Are There Penalties Associated With Rolling Over Money Into a Gold IRA?
You can roll over all or some of your current IRA money into a self-directed gold IRA without incurring tax penalties. To do this, you are encouraged to use the trustee-to-trustee transfer. This is the easiest way to move money from one account to another without incurring penalties.
Will a Gold IRA Provide Me With the Same Tax Advantages as a Standard IRA?
Yes. A gold IRA will provide you with the same tax-deferred investing options as a regular IRA. You can start making withdrawals from your gold IRA at age 59.5. When you begin to withdraw from your account, you will be required to pay taxes on the amount you have withdrawn.
Are There Any Age Restrictions on Gold IRAs?
Just like a standard IRA, you can begin to make withdrawals from your IRA at age 59.5. Once you reach the age of 70.5, you must begin withdrawing from your account. The amount that you will be required to withdraw will be based on the value of your account. Work with a financial professional to establish the right withdrawal amount for your needs.
Can I Continue to Contribute to My Gold IRA After the Initial Investment?
Yes. You can continue investing in your gold IRA account as long as it remains within the law's guidelines for yearly contributions. Buying additional gold or silver for your account is as simple as calling your rep at AHG and making the purchase. The company will pack and ship your purchases straight to the depository on your behalf.
Can I Take Physical Possession of My Gold Coins?
To comply with IRS laws concerning precious metal investments for retirement accounts, you cannot have physical possession of your gold or silver purchases. These items must remain in an approved storage facility. This is to ensure that the items backing the value of your account are always accessible.
However, once you have reached the age to withdraw from your IRA without penalty, you can withdraw the gold or silver coins and send them directly to you. If you desire to cash in these coins, you can make arrangements with AHG to have the coins purchased back by the company.
If you want to purchase gold or silver as a collector, American Hartford Gold can sell coins and bars directly to you. AS collectibles, you can have these coins in your possession at all times. They will not be considered a part of your retirement savings.
Are the Gold Purchases I Make Physical Gold or Just Certificates?
Every purchase you make from AHG is for physical gold. If you are making the purchase for your retirement account, the physical gold coins or bars will be shipped to your storage facility to comply with IRS laws. The items are shipped directly to you if you purchase as a collector.
Will My Rep Stay in Contact With Me From American Hartford?
Yes. Your rep will make contact with you periodically to give you updates on your account, inform you of new products and services, or answer any questions that you may have about your gold IRA.
Important Information That Everyone Should Know
Saving for your retirement is something that everyone must consider. You can save and invest in your future in many different ways.
It is important to understand that all investments have risks associated with them. If you invest in the stock market, precious metals, cryptocurrency, or even real estate or local businesses, there are risks involved.
The best thing you can do when planning to make any investment is to get as much information as possible about that investment. Informed decisions will always ake you feel more comfortable with the choices you make.
AHG has a lot of information available about investing in the gold and precious metal markets. Take advantage of all of this information on their website and ask any additional questions when speaking with their customer service reps. Make sure that you feel comfortable before investing.
All investments will fluctuate with time. They will go up and down for many reasons. The important thing to remember is that when you invest in gold and silver coins, you will enjoy more than just the value of the precious metals, you will also benefit from the collector value of the coins.
AHG does not influence the market price of gold or other precious metals, nor can it predict how the market will go in the future. However, they can provide you with information on how precious metals have performed in the past to make an informed decision with your investments.
AHG is a well-respected company that has been helping people for over a decade establish gold IRAs as part of their retirement savings. The company has been recognized by many financial companies as being a leader within the gold investment industry.
If you are ready to invest in your retirement and are curious about gold and precious metals, you will find it beneficial to speak with one of the knowledgeable reps at American Hartford Gold. You will have all of your questions answered and discover the many benefits of precious metal investing.
If you find that you are ready to invest in precious metals, American Hartford Gold can help you quickly establish a Gold IRA. The company is waiving the first year of fees for all new customers. It is time to invest in your future. If investing in gold is part of that future, then the company you want to work with is American Hartford Gold.