How to Roll Over a 401(k) into Gold
A step-by-step guide to a tax- and penalty-free rollover.
October 15, 2026 · 5 min read
You can move funds from a 401(k), 403(b), TSP or traditional IRA into a gold IRA without taxes or penalties if you follow the rules.
Steps
- Choose a reputable precious metals company
- Open a self-directed IRA with an approved custodian
- Request a direct rollover from your current plan
- Select your metals
- Metals ship to a secure depository
Direct vs. indirect
A direct trustee-to-trustee transfer is safest. With an indirect rollover you have 60 days to redeposit funds or face taxes.