Is GLD the same as owning physical gold?

No, GLD (SPDR Gold Shares) is not the same as owning physical gold directly. When you buy shares of GLD, you own a share in a trust that holds physical gold on behalf of its shareholders. You have a claim on the underlying gold's value, but you do not own specific gold bars or have the right to take physical delivery of the gold.

Can I hold GLD or IAU in my IRA?

Yes, you can hold Gold ETFs like GLD or IAU within a Traditional IRA, Roth IRA, or other self-directed retirement accounts. This allows you to gain exposure to gold's price movements with the tax advantages of an IRA, avoiding the 28% collectibles tax that applies to Gold ETFs in taxable brokerage accounts.

Which has lower fees: a Gold IRA or a Gold ETF?

Generally, Gold ETFs tend to have lower fees, especially for smaller investment amounts (typically under $50,000 to $100,000). Gold ETFs charge a percentage-based annual expense ratio (e.g., 0.10% to 0.40%). Gold IRAs have flat annual fees for administration and storage (e.g., $200-$400 total per year). For larger investments, the flat fees of a Gold IRA can become proportionally smaller, making it potentially more cost-effective than an ETF over time.

Does a Gold ETF count as a Gold IRA?

No, a Gold ETF is not the same as a Gold IRA. A Gold ETF is a fund that trades like a stock and holds gold, offering exposure to its price. A Gold IRA is a specific type of self-directed retirement account designed to hold physical gold bullion and coins in an IRS-approved depository. While you can hold Gold ETFs within a traditional or Roth IRA, this does not make the ETF itself a "Gold IRA."

What are the tax implications of selling Gold ETFs in a taxable account?

When selling Gold ETFs in a taxable brokerage account, any long-term capital gains (assets held over one year) are typically taxed at the higher collectibles tax rate, which is 28% as of 2026 for most taxpayers. Short-term capital gains (assets held for one year or less) are taxed at your ordinary income tax rate.

Can I take physical possession of gold from a Gold IRA?

Yes, you can take physical possession of your gold from a Gold IRA, but typically only when you take a distribution from the account. This usually occurs during retirement (after age 59½) or if you choose to take an early distribution (which may incur taxes and penalties). The process involves instructing your custodian to ship the physical gold to you.

What are the contribution limits for a Gold IRA in 2026?

The contribution limits for a Gold IRA are the same as for any other Traditional or Roth IRA. As of 2026, the maximum contribution limit is expected to be around $7,000 for individuals, with an additional catch-up contribution of $1,000 for those aged 50 and over, making it $8,000. These figures are subject to annual adjustments by the IRS.

Gold IRA vs. Gold ETF (GLD, IAU): Which Is Better? | One…