How this Gold IRA calculator works
This calculator projects two parallel growth paths: a diversified portfolio (gold + stocks at the chosen allocation) and an all-stock baseline. Both compound the initial investment and monthly contributions at their respective expected annual returns, year by year, until the chosen retirement age.
The diversified path splits each contribution by the gold allocation — at 20% gold, 20¢ of every dollar grows at the gold return rate, 80¢ at the stock return rate. The model assumes steady annual returns, which actual markets never produce. The output is a directional comparison, not a forecast.
Why investors include gold in a retirement portfolio
Gold has historically moved differently from stocks. During the 2008 financial crisis, the S&P 500 lost roughly 37% while gold gained about 5%. During the 2020 COVID market volatility, gold reached all-time highs as investors sought safe-haven assets. Many financial advisors suggest a 5-25% gold allocation as a potential hedge against inflation and market shocks.
Rolling over a 401(k) into a Gold IRA
Investors with an existing 401(k) or IRA can roll the balance into a self-directed Gold IRA without a contribution limit. The process — choosing a custodian, transferring funds, purchasing IRS-approved bullion stored in an insured depository — typically completes in 2-3 weeks. Reputable Gold IRA companies handle most of the paperwork on the customer's behalf.
Goldco does not offer tax or legal advice. Customers should speak to a financial or tax advisor before making decisions.