IRA Storage: How Precious Metals Are Secured, Insured, and Reported
Precious Metals IRAs require metals to be held in IRS‑approved depositories under regulated custody. This page explains storage models, segregation options, insurance structures, and how custodians interface with vaults.
Compare Companies by Storage ModelHow Storage Works in a Precious Metals IRA
IRS rules require IRA metals to be held by a qualified custodian in an approved depository. Metals cannot be stored at home or in personal safes. Instead, they are held under the custodian’s name for the benefit of the account holder, with the depository providing secure storage, insurance, and reporting.
Storage Models That Affect Cost, Control, and Reporting
Storage decisions determine how metals are handled, how they are insured, and how they are accounted for within the IRA system.
- Segregated vs. Non‑Segregated Storage — Whether metals are stored in an individual compartment or pooled with identical assets.
- Depository Location — Geographic jurisdiction, logistics, and regulatory environment.
- Insurance and Reporting — Coverage levels, audit procedures, and how holdings are documented for custodians.
These choices tie directly into your fee structure and the custodian administering the account.
Compare Storage Models Across Providers
Use the comparison table to see how each company structures storage, which depositories they use, and how segregation and insurance are handled.
View Storage Options in the Comparison Table