What Is a 401(k) Account?
A 401(k) is a tax-advantaged retirement savings plan offered by many employers. Created in the 1980s as an alternative to traditional pensions, it allows employees to contribute a portion of their paycheck before taxes are taken out. Many employers also match contributions, making it a valuable part of an overall compensation package.
What Is a 403(b) Account?
A 403(b) plan functions much like a 401(k), but it’s designed for employees of public schools, government agencies, and nonprofit organizations. Contributions are made pre-tax, and earnings grow tax-deferred until withdrawal.
Why convert your
401(k) or 403(b) to a Gold IRA?
While 401(k) and 403(b) plans offer solid savings tools, they come with limitations, especially in uncertain economic times. Here’s why many investors are choosing to convert their 401(k) to a Gold IRA:
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401(k)/403(b) Limitation #1
Limited Control
Many retirement plans are managed by a plan administrator, giving you limited control over where your money is invested.
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401(k)/403(b) Limitation #2
Restricted Investment Options
Typically limited to stocks, bonds, and mutual funds, which are paper assets that can be vulnerable to market swings.
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401(k)/403(b) Limitation #3
Exposure to Volatility
Your account could be at the mercy of economic fluctuations, inflation, and geopolitical events if not adequately diversified.
Converting your 401(k) to a Gold IRA can further diversify your retirement portfolio and help protect your savings from inflation and market volatility.
Get My Free Rollover Kit or call 800-576-9355
How to Rollover
a 401(k) to a Gold IRA?
To convert your 401(k) to a Gold IRA, follow these simple steps:
- Check Eligibility: Review your current 401(k) or 403(b) plan’s rules. Some plans may only allow rollovers upon retirement, employment change, or hardship.
- Open a Self-Directed IRA: This type of IRA allows you to hold alternative assets like physical gold and silver.
- Initiate the Rollover: Transfer funds from your 401(k) into your new self-directed Gold IRA—penalty-free if done properly.
Purchase Precious Metals: Once your new account is funded, you can use those funds buy IRS-approved physical gold and silver to hold in your IRA.
Ready to convert your
401(k) to a Gold IRA?
Speak with a Lear Capital specialist today and take the first step toward securing your financial future with real assets
Get My Free Rollover Kit or call 800-576-9355
Why a Gold IRA
Could Make Sense Now
With growing concerns over national debt, inflation, and global instability, now is the time to take control of your retirement strategy. Precious metals, like gold and silver, can provide a hedge against economic uncertainty and preserve your purchasing power.
By choosing a 401k to Gold IRA rollover, you’re not just diversifying, you’re adding tangible, time-tested assets to your holdings.
Gold Closing Prices Over Time
