RC Bullion Review: The Ultimate Guide to Investing in Precious Metals

If you're considering investing in physical gold or silver or opening a gold IRA, it's crucial to choose a reputable and reliable precious metals provider. RC Bullion is a trusted dealer and gold IRA company that offers a wide range of options for purchasing gold and opening a precious metals individual retirement account. In this comprehensive RC Bullion review, we will delve into the details and provide you with everything you need to know about this company.

Who Is RC Bullion?

RC Bullion is a well-established precious metals dealer and IRA facilitator. Founded in 2013, the company is headquartered in Los Angeles, CA. RC Bullion specializes in selling gold and silver investment coins and also offers platinum and palladium products on occasion. Customers have given RC Bullion positive feedback, as evidenced by its A+ rating from the Better Business Bureau (BBB) and the 5.0 average rating on its Google Business Profile based on four reviews.

RC Bullion's Commitment to Customer Education and Guidance

RC Bullion understands the importance of customer education when it comes to investing in precious metals. While their online resources may not be as extensive as those of other dealers, they do offer valuable information in their "Knowledge" section. Some of the resources you can find on their website include a free gold investment guide, investment articles covering various topics, and frequently asked questions about precious metals IRAs. For more comprehensive information, we recommend exploring additional resources on Learn About Gold.

Fees & Prices

Before investing with RC Bullion, it's essential to understand the fees associated with their services. By knowing these fees upfront, you can plan your investment budget accordingly. Here are the costs you can expect:

Annual Fees

When you open a gold or silver IRA with RC Bullion, you'll be required to pay an annual custodian fee of $100 to maintain your account. However, if you invest more than $25,000 during your first year, RC Bullion will waive this annual fee along with other IRA fees.

Annual Storage Fees

As per IRS regulations, precious metals held in an IRA cannot be stored at home. RC Bullion takes care of transporting your precious metals to an IRS-approved depository. Instead of paying the depository directly, you'll pay RC Bullion an annual storage fee of $100. Rest assured that all precious metals are stored in a fully insured, high-security depository.

Shipping Fees

RC Bullion does not charge any shipping fees for gold IRA facilitation, which is a significant advantage for investors.

Investment Minimums

RC Bullion has a relatively low investment minimum of $10,000 for opening new IRAs, making it accessible for a wide range of investors.

Pros of RC Bullion

Shipping Convenience

RC Bullion eliminates shipping fees typically associated with opening and facilitating a gold IRA. Unlike other companies, RC Bullion offers free shipping for transporting precious metals to the depository, saving you money in the process.

Direct Partnerships with Gold Sellers

RC Bullion collaborates directly with gold and silver sellers, ensuring an extensive selection of precious metals products. Through RC Bullion, you can purchase IRS-approved silver and gold coins, as well as platinum and palladium products when available. Additionally, you have the option to diversify your portfolio by investing in other coins that the IRS has not approved for IRAs.

No Hidden Fees

Unlike many other precious metals dealers, RC Bullion keeps fees to a minimum. They only charge annual custodian fees, storage fees, and a one-time application fee. There are no extraneous fees for shipping or administration, allowing you to maximize your investment potential.

Positive Customer Reviews

RC Bullion has received mainly positive reviews and ratings across major platforms like Google, Trustpilot, and TrustLink. Although the number of ratings is relatively small, customers who have reviewed the company have given it high ratings. This suggests that RC Bullion provides a personalized experience and dedicated customer service.

Excellent Customer Service

RC Bullion boasts a friendly and helpful customer service team that has received positive feedback from investors. When you work with RC Bullion, you can expect personalized guidance from knowledgeable customer service agents throughout the process. Whether you have questions during regular office hours or after hours, RC Bullion is ready to assist you.

Diverse Investment Selection

RC Bullion offers a decent selection of gold, silver, platinum, and palladium products. While inventory availability may vary, you can generally find a range of 15 to 20 different precious metal coins available for sale through RC Bullion.

Cons of RC Bullion

Unlisted Prices Online

One drawback of RC Bullion is that they do not list the prices of their precious metal products online. To obtain pricing information, you'll need to contact the company directly. This approach is designed to encourage direct communication between customers and RC Bullion's support team. However, from a customer perspective, the inability to view prices online may suggest higher pricing compared to other dealers.

Fluctuating Inventory for Platinum and Palladium

RC Bullion's inventory is subject to frequent fluctuations, and the company occasionally stops selling platinum and palladium products due to high market demand. However, the website may not always reflect the current inventory status. You may only discover that a particular coin is unavailable when you speak with a customer service agent.

Regulatory Risks in Private Storage Options

While RC Bullion offers the option to store precious metals privately if purchased outside of an IRA, this method carries certain risks.

Frequently Asked Questions

Can I put gold in my IRA?

The answer is yes! You can include gold in your retirement plan. Gold is an excellent investment because it doesn't lose value over time. It protects against inflation. It also protects against inflation.

Before investing in gold, you need to know that it's not like other investments. You cannot buy shares of companies that are gold, like stocks and bonds. They are also not available for sale.

Instead, convert your gold to money. This means that it will be necessary to dispose of the gold. You cannot keep it.

This makes gold an investment that is different from other investments. With other investments, you can always sell them later. That's not true with gold.

The worst part is that you cannot use your gold to secure loans. For example, if you take out a mortgage, you may give up some of your gold to cover the loan.

So what does this mean? You can't keep your gold indefinitely. You will have the need to make it cash someday.

However, there is no need to panic about it. All you have to do is open an IRA account. After that, you can start investing in gold.

Are silver and gold IRAs a good idea for you?

This could be a great opportunity for those who want to easily invest in both gold or silver simultaneously. There are other options as well. Contact us anytime if you have questions about these types investment options. We're always happy to help!

How does a gold IRA generate interest?

It depends on how many dollars you put into it. If your income is $100,000, then yes. You will not be able to answer if your income is less than $100,000

The amount you invest in an IRA affects its ability to earn interest.

If you invest more than $100,000 each year in retirement savings, you may want to open a regular brokerage instead.

You will likely earn more interest there, but you'll also be exposed to riskier investments. If the stock market crashes you don't wish to lose your entire investment.

An IRA is better if you have $100,000 to invest per year. At least, until the market begins to grow again.

How Much of your IRA Should Be Made up of Precious Metals

Investing in precious metals such as gold and silver is the best way to protect yourself from inflation. It's not just a way to save money for retirement.

Although silver and gold prices have increased in recent years, they can still be considered safe investments as they don't fluctuate nearly as much as stocks. Plus, there's always a demand for these materials.

Gold and silver prices are usually stable and predictable. They increase with economic growth and decrease in recessions. This makes them excellent money-savers, and long-term investment options.

Your total portfolio should be 10 percent in precious metals. That percentage could go higher if you want to diversify your portfolio further.

Can I get physical ownership of gold in my IRA

Many people ask themselves whether it is possible to physically own gold in an IRA. This is a fair question because there isn't any legal way to do it.

You can still own gold in an IRA if you look at the law.

Problem is, most people don’t realize how much they can save by putting gold in an IRA and not keeping it in their home.

It's simple to throw out gold coins but difficult to put them into an IRA. You'll have to pay twice taxes if you keep your gold in your home. Two taxes will be charged: one to the IRS, one to the state you live in.

Of course, you can also lose your gold in your house and pay taxes twice. So why would anyone want to keep their gold in their home?

Some might argue that gold should be safe at home. You can protect your gold from theft by storing it somewhere more secure.

If you're planning on visiting frequently, it is best to keep your gold safe at home. If your gold is left unattended, thieves could easily steal it when you're away from home.

Better yet, store your gold inside an insured vault. You can rest assured that your gold is safe from theft, fire, earthquake, flood, and other hazards.

A vault can also be beneficial because you don't need to pay property tax. Instead, you will have to pay income tax for any gains you make selling your gold.

An IRA is a way to avoid paying taxes on gold. With an IRA, you won't have to pay income tax even though you earn interest on your gold.

Capital gains tax is not a requirement for gold investments. You can cash out your entire investment anytime you wish.

You won't have to move your gold because IRAs are federally regulated.

The bottom line is that you can own gold in your IRA. Fear of theft is all that holds you back.


  • Depending on your financial situation, most experts recommend you invest no more than 5% to 10% of your retirement funds in precious metals. (forbes.com)
  • Same tax rules as traditional IRA SEP IRA contributions in 2022 are limited to 25% of compensation or $66,000, whichever is less Before setting up a Silver IRA, understand the fees and IRS restrictions. (sltrib.com)
  • The IRS also allows American Eagle coins, even though they do not meet gold's 99.5% purity standard. (forbes.com)
  • SEP-IRA”Simplified employee pension” For self-employed people like independent contractors, freelancers, and small-business ownersSame tax rules as traditional IRASEP IRA contributions in 2022 are limited to 25% of compensation or $66,000, whichever is less4. (sltrib.com)

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How To

How to Open a Precious Metal IRA

Precious metals are one of the most sought-after investment vehicles today. They are so popular because they allow investors to earn higher returns than traditional investments like stocks and bonds. However, precious metals investing requires careful planning and research. Here are the basics to help you open your precious metal IRA account.

There are two main types for precious metal accounts: paper gold and Silver certificates (GSCs), and physical precious Metals accounts. Each type of account has its own advantages and disadvantages. GSCs offer easy access and trade, while physical precious metals accounts provide diversification benefits. You can read more about them below.

Physical precious metals accounts consist of coins, bars, and bullion. Although diversification benefits are great, this option has drawbacks. The costs involved in buying, storing and selling precious metals can be quite high. It can also be difficult to transport their large sizes from one place to the next.

The silver and paper gold certificates are also relatively affordable. They are also easily available and can be traded online. These make them ideal for people who don’t want to invest directly in precious metals. They aren’t as diversifiable as their physical counterparts. Also, since they're backed by government agencies such as the U.S. Mint, the value of these assets could decrease if inflation rates rise.

When opening a precious metallic IRA, make sure to choose the right account for you and your financial situation. Consider the following:

  1. Your tolerance level
  2. Your preferred asset allocation strategy
  3. How much time will you invest?
  4. Whether or not you plan on using the funds for short-term trading purposes
  5. What kind of tax treatment you'd prefer
  6. Which precious metals would you prefer to invest in
  7. How liquid should your portfolio be?
  8. Your retirement date
  9. Where to store precious metals
  10. Your income level
  11. Your current savings rate
  12. Your future goals
  13. Your net worth
  14. Special circumstances that might affect your decision
  15. Your overall financial picture
  16. You choose between paper and tangible assets
  17. Your willingness to take on risks
  18. Your ability and willingness to accept losses
  19. Your budget constraints
  20. Your desire to become financially independent
  21. Your investment experience
  22. Your familiarity in precious metals
  23. Your knowledge about precious metals
  24. Your confidence in the economy
  25. Your personal preferences

Once you've chosen the right type of precious Metal IRA to suit your needs, it is time to open a dealer account. These dealers can be found via referrals, word-of-mouth, and online research.

Once you have opened your precious-metal IRA, it is time to decide how much you want to deposit. Each precious metal IRA account requires a minimum initial deposit. Some accounts will only accept $100, others will allow for you to invest as high as $50,000.

As you can see, your precious metal IRA IRA investment amount is completely up to the individual. You should choose a higher initial deposit if you want to build wealth over time. However, a smaller initial deposit might work for you if your goal is to invest less money each month.

You can buy any type of investment, regardless of the amount of precious metals in your IRA. Here are some of the most common:

  • Bullion bars. Rounds, and gold coins.
  • Silver – Rounds and coins
  • Platinum – Coins
  • Palladium Round and Bar Forms
  • Mercury – Round or bar forms


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