Gold IRA Rollover Mistakes to Avoid

Common procedural errors that can create withholding, deadline, tax, or account-structure problems.

• Taking the money personally without understanding withholding. Employer-plan distributions paid to you generally face 20% mandatory withholding.
• Missing the 60-day deadline. A late rollover can become taxable unless an exception or relief applies.
• Assuming every distribution is eligible. Some distributions are not rollover-eligible.
• Buying metal before the receiving account is properly established.
• Ignoring product eligibility and custody.
• Letting a dealer substitute for tax advice.

Primary sources

Continue your research

• Gold IRA rollover guide
• Gold IRA rules
• How to open a Gold IRA

Editorial note: Educational content only. This page does not provide individualized investment, tax or legal advice. Verify current rules and company terms before acting.