More Metal, Less Hype, Zero Premiums.
OWNx brings you the best Precious Metals IRA with zero premiums and no minimum investment.
Setup and trading is simple through our app or online dashboard and unlike most Gold and Silver IRAs, our fractional investing approach allows you to buy metal by weight -ensuring you get more metal for your money.
Get started by clicking the button below or fill in the form to learn more about how Precious Metal IRAs can help you reach your financial goals.
Trusted by thousands
What is a Precious Metals IRA?
A Precious Metals IRA (Individual Retirement Account) is a specialized type of IRA that allows investors to hold precious metals such as gold, silver, and platinum within the account. This type of IRA is governed by the same rules and regulations as traditional IRAs, but it provides investors with an alternative investment option beyond traditional stocks, bonds, and mutual funds.
Investors interested in diversifying their retirement portfolios and including tangible assets like precious metals often consider Precious Metals IRAs as part of their overall investment strategy.
Advantages of a Precious Metals IRA
Investing in precious metals can offer significant benefits for your retirement. From tax advantages to wealth preservation, these assets can enhance your financial portfolio. Understanding these key benefits will empower you to make informed decisions about your financial future.
Tax Benefits
With a Precious Metals IRA, you may enjoy tax-deferred growth. This means your investments could grow without being taxed until withdrawal.
Portfolio Diversification
Adding precious metals to your portfolio can provide stability and minimize risk during market volatility.
Wealth Preservation
Precious metals can act as a hedge against inflation and currency fluctuations, helping to protect your wealth for the long term.
Accessibility
With flexible investment options and no minimums, everyone can participate in precious metals investing, regardless of their experience.
Why an OWNx IRA?
Low Fees and all trades for IRA and Non-IRA occur at cost. No games, no premiums. Just buy at the Ask, sell at the Bid.
A Smarter Way to Invest
Most precious metals IRA companies make investing complicated and expensive. They require lengthy phone calls, force you to buy high-premium coins, and give you no control over your investments once they’re made.
We built OWNx differently. Since 2008, we’ve developed a digital platform that lets you buy precious metals at cost with zero premiums. You get more metal for your money and complete control through our simple app and dashboard.
Our technology solves the problems other companies create: instant setup, transparent pricing, and the ability to buy and sell whenever you want.
Quick Setup
Create your account and start trading in minutes through our app or online dashboard – no lengthy phone calls required.
Simple Fees
Just $195 annual fee plus 0.5% storage. No hidden costs, setup fees, or premium markups over spot price.
Tax Advantages
Enjoy traditional IRA tax deferrals or Roth IRA tax-free growth while holding physical precious metals.
Zero Premiums
Buy at ask, sell at bid with no markup over spot price. Get more ounces for your investment dollars.
Fractional Investing
Own precise weights of gold and silver through fractional shares of large bars, maximizing metal per dollar invested.
Easy Management
Buy, sell, and rebalance your precious metals holdings instantly through your secure online dashboard.
How Does OWNx IRA Compare?
We designed the OWNX Precious Metals IRA to be the best value Gold IRA on the market. With no minimum investment, zero premiums, more metal options and the ability to invest fractionally in larger bars, our IRA gives you more metal for your money and less restrictions overall.
| Attributes | OWNx | American Hartford | Augusta | Goldco | Lear Capital | Birch Gold Group |
| Minimum Investment | No minimum | $10,000 | $50,000 | $25,000 | $10,000 for IRA rollovers | $10,000 |
| Metals Offered | Gold, silver, platinum | Gold, silver, platinum | Gold and silver coins | Gold and silver | Mainly gold and silver | Gold, silver, platinum, palladium |
| Setup / Maintenance Fees | $195 annual maintenance fee | $230 application fee, $200 annual fee (may be waived for larger deposits) | One-time $50 setup fee, annual fees between $75 and $125 | $50 setup fee, $80 annual maintenance | $280 for the first year, then $200 annually | $50 setup fee, $180-$230 annual fee |
| Storage Fees | 0.5% per year, assessed monthly | Varies | Varies | $150-$200 annually | Varies | $100 annually |
| Premium Over Spot Price | 0% markup over spot price | 2% to 20% markup over spot price | 2% - 20% markup over spot price | 5 to 20% markup over spot price | 2% - 20% markup over spot price | 3% - 25% depending on metal sold |
| Investment Process | Digital-first approach, quick setup through app or online dashboard, immediate access to trading | Traditional phone-based setup, 3-10 business days for account opening, guided by specialists | Three-step process with dedicated guidance | Three-step process with personalized guidance | Three-step process: complete an online form, make an investment decision, and open an account with guidance | Intuitive digital setup via app or dashboard |
| Unique Features | Fractional ownership, automated purchasing options, zero-premium policy | Potential fee waivers for larger deposits, buyback commitment with no back-end fees | Personalized service, extensive educational resources, and free webinars | Buyback guarantee, extensive educational resources | Price Advantage Guarantee, robust customer support, and educational materials | Offers buyback program, educational materials, and customer support |
| Full Review | Review | Review | Review | Review | Review |
Getting Started with an OWNx IRA
Fill in the IRA Application
Pay the annual service fee of $195
Once approved, you can initiate a transfer, rollover, or contribution.
Once funded, you can buy and sell precious metals through your OWNx IRA.
Reviews
Reviews from our customers
I’ve been using this platform for many years! And currently I’m helping my dad purchase gold and the customer service is always fast and helpful. The platform works very well. And is clear and easy to understand and the options are diverse! Highly recommend I’m very satisfied and have been a user for at least 5 years! Good job ya’ll
An easy way to save precious metals, gold and silver. A monthly auto save plan mounts to a treasure. Also such an easy way to turn it back into cash or ship it to me direct makes OWNx my choice for over 10 years.
I recommend OWNx to anyone who is searching for a very convenient, secure and cost-effective way of buying and storing precious metals. Their staff is very customer focused, responsive and does frequent outreach to offer new ways to enhance our relationship. Thanks to OWNx from one of your satisfied customers.
OWNX customer support has always been responsive and helpful. I’ve had no doubt that my metals are secure. Recently, they facilitated the easy migration of my precious metals IRA account from one custodian to another.
This company and platform is the easiest to navigate through. When ever I had a issue with delivery the customer service was fantastic in finding the issue and replacing the item. I really like the auto buy feature and use it regularly. I have already told others of the company who have joined.
FAQs
Is there a Roth component to the Precious Metals IRA?
Yes, Roth IRAs are allowed.
Can I store gold, silver, and other precious metals in my OWNx IRA at home?
It is not possible to store your precious metals at home with any gold, silver, or precious metals IRA option.
What is IRA approved gold?
To be eligible, gold items must meet certain purity standards.
The OWNx platform enables you to own gold and silver in the form of fractional ownership of IRA-approved large bars. The benefits of this are the ability to:
- Buy and sell gold and silver instantly within your IRA,
- Obtain metal at the lowest possible price, and therefore
- Maximize the number of ounces you hold.
Which Gold IRA Company should I choose?
What's the difference between a precious metals IRA and a conventional IRA?
The main difference lies in the assets they hold:
Conventional IRA: Contains paper assets like stocks, bonds, and mutual funds. Subject to stock market volatility.
Precious Metals IRA: A self-directed IRA that holds physical precious metals (gold, silver, platinum). Offers protection against inflation and economic uncertainty, with values that move independently of stock markets.
Both provide tax advantages for retirement savings, but precious metals IRAs focus on tangible assets for diversification and stability, while conventional IRAs follow traditional market-based investments.
| Criteria | Precious Metals IRA | Conventional IRA |
| Type of Assets | Physical precious metals (gold, silver, platinum) | Stocks, bonds, mutual funds |
| Protection Against | Economic uncertainties, inflation, currency devaluation | Market performance |
| Asset Tangibility | Tangible assets stored in IRS-approved depositories | Electronic/paper assets |
| Diversification | Independent of stock market trends | Correlated with stock market trends |
| Initial Investment Cost | Potentially higher due to physical metal prices | Typically lower |
| Storage Fees | Yes, for storing precious metals in approved depositories | No |
| Tax Advantages | Yes, based on IRS guidelines for precious metals | Yes, based on IRS guidelines |
OWNx IRA Fee Schedule
| IRA annual maintenance fee. Billed for each IRA | $195 |
|---|---|
| Storage Fees | 0.5% per year, assessed monthly as 0.0416% |
Fees That Are Easy to Avoid
| Paper Statement Fee Avoid by setting up a myEQUITY portal account | $75 per year |
|---|---|
| Paper Bill Pay or Distribution Avoid by submitting through myEQUITY portal | $15 each |
| Wire Transfer Fee Select check processing to avoid | $30 each |
| Cashier's Check, Certified Mail (Select regular check to avoid) | $30 each |
Other Fees (Rare Occasions)
| Overnight Mail | $50 each |
|---|---|
| Express Transfer Processing (Reviewed same day) | $75 each |
| Expedited Process Service | $75 each |
| Special Document Processing | $10 each |
| Miscellaneous Activity Request | $75 / hour |
| Special Handling Fee | $25 each |
| Foreign Currency Fee | $100 annually |
| Stop Payment, Return Check Fee | $30 each |
| In-Kind Distribution or Transfer Out | $50 per transaction |
| Account termination fee | $250 |