Should you hold a gold IRA? Here’s what you need to know — and how to get the most out of this precious metal in 2026

Like other IRAs, gold IRAs follow standard tax rules. Depending on whether the account is traditional or Roth, investors may receive tax-deferred growth or tax-free qualified withdrawals, and RMDs apply to traditional accounts (2).“Gold IRAs are often considered ‘patient’ money, meaning that an asset can be acquired and held for a relatively long period of time until market or personal circumstances indicate it is time for liquidation and/or distribution,” Scott Maurer, vice president at Advanta IRA, told U ...