gold IRA storage

March 24


Gold IRA Storage Options: Segregated vs Commingled Storage

Ilir Salihi

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Opening a precious metals IRA? These accounts not only offer a hedge against inflation but also provide a tangible sense of security in uncertain economic times.

However, once the decision to invest in gold is made, customers are faced with another critical choice: how to store their precious assets. This is where the concepts of segregated and commingled storage come into play.

In this article, we delve into each storage option, explore the factors to consider when making your choice, and highlight some of the most reputable depositories recommended by precious metals IRA companies today. Let’s get started.

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Key Takeaways

Don’t have time for the full review?

Before we dive deep into the intricacies of segregated and commingled storage, here is a quick definition of both gold IRA storage options.

Segregated Storage

This option ensures that your gold is stored separately from that of other customers. It's akin to having a personal locker within a larger vault, providing a high level of security and individual asset protection.

The main advantages include easy identification, accessibility of your investments, and peace of mind knowing exactly where your assets are at all times. However, this personalized service typically comes with a higher cost.

Commingled Storage

Opting for commingled storage means your gold will be stored together with assets belonging to other customers. This shared space approach is more cost-effective, offering lower storage fees due to the economies of scale.

While it maintains a general level of security, individual pieces are not specifically allocated to you, which might raise concerns regarding the retrieval process and personalized security.

The decision between segregated and commingled storage should be based on your individual goals, security preferences, and cost considerations. Both options offer a secure way to store precious metals, but the best choice for you will depend on what aspects you value most in your investment strategy.

Understanding these key takeaways can help you navigate the rest of this article with a clear perspective on what each storage option entails and what factors you should consider in making your choice.

Is Home Storage an Option?

While some customers might be tempted by the idea of a home storage gold IRA, which proposes storing IRA-owned precious metals at home or in a local safe deposit box, it's crucial to tread carefully.

The IRS has stringent rules regarding the custody and storage of IRA assets, and failing to comply with these regulations can lead to significant tax penalties and legal issues.

Most experts advise against Home Storage Gold IRAs due to the complex legal interpretations and potential for disqualification of the IRA.

Always consult with a professional and consider approved depository storage to ensure compliance and safeguard your precious metals IRA.

Related: Gold Alliance Review - Best Dealer for Your Gold IRA?

Understanding Segregated Storage

When you opt for segregated storage for your gold IRA, you're choosing a personalized and secure method of storing your precious metals. Let's get into the details of what segregated storage entails, its benefits, and the considerations you need to keep in mind.

Definition and Key Features

Segregated storage means that your precious metals are stored in a dedicated space, separate from the assets of other investors.

Each investor's holdings are individually allocated and physically isolated within the storage facility. This method offers a clear delineation of your assets, ensuring that the gold you own is the exact gold stored in the vault.

Advantages for Gold IRA Customers

Segregated storage provides a high level of security for your investments. Since your assets are stored separately, you have the assurance that your gold remains untouched and exactly as you left it.

With segregated storage, identifying and accessing your investments is straightforward. There's no ambiguity about which gold is yours, making audits and inspections hassle-free.

Increased Security and Peace of Mind

Knowing that your investment is stored separately and can be individually accounted for at any time offers a significant peace of mind. This personalized approach caters to those who prioritize the safety and integrity of their assets above all.

It’s important to note that the personalized nature of segregated storage often comes with a higher price tag. The additional security and individual allocation of space result in increased storage fees.

It’s also important to mention that not all custodians or storage facilities offer segregated storage options. You might need to do more research to find a provider that meets your needs, which could limit your choices depending on your location or specific requirements.

Choosing segregated storage for your gold IRA is akin to investing in a personal safe for your most valued possessions. 

It's ideal for investors who place a premium on individual security and are willing to pay a bit more for the assurance that their assets are distinctly preserved and protected.

Related: Gold IRA Scams and Dealer Lies to Avoid in 2024

Buy Physical Gold with Your 401(k) or IRA

Preserve Gold Guide

Free Guide Reveals Strategies to Diversify Your Retirement
with Physical Precious Metals

preserve gold recognition and ratings

Understanding Commingled Storage

Commingled storage offers a different approach to storing your gold IRA assets, one that focuses on efficiency and cost-effectiveness. We will explore what commingled storage is, its benefits, and the considerations that come with choosing this option.

Definition and Key Characteristics

Commingled storage, also known as pooled or collective storage, involves storing your precious metals alongside those belonging to other investors. In this setup, assets are not individually allocated but are instead held in a shared space within the storage facility. This method emphasizes the collective security of all stored assets rather than individual segregation.

Benefits of Commingled Storage

Lower Storage Costs

One of the most appealing aspects of commingled storage is its cost efficiency. Since the storage space and security measures are shared among multiple investors, the overall costs are reduced. This savings is then passed on to you, making it a more budget-friendly option.

Commingled storage allows for the optimal use of space and resources within the storage facility. This efficiency can lead to more streamlined operations and potentially quicker access to your precious metals when needed.

Potential Downsides

In a commingled storage setup, your gold is not separately identified, which can lead to concerns about the specific pieces you purchased. While the total value of your investment remains the same, the lack of individual allocation may be a drawback for those who prefer a personal touch.

Although commingled storage is generally secure, some customers may feel uneasy about not having their assets stored separately. This perception of reduced security, whether factual or not, could influence the decision-making process for certain gold IRA customers.

Choosing commingled storage is like participating in a cooperative effort, where the collective well-being and cost savings take precedence. It's suitable for customers who are looking for a more affordable storage option and are comfortable with their gold being part of a larger, pooled inventory. 

The decision to go with commingled storage should weigh the financial benefits against personal preferences for asset identification and security.

Related: Diversify Your 401(k) with Physical Gold and Silver - Free Guide

Making the Right Choice: Factors to Consider

Deciding between segregated and commingled storage for your gold IRA is a significant choice that should align with your long-term goals, preferences, and priorities. Below, we’ll outline the key factors to consider when making your decision, ensuring that you select the best option for your unique situation.

Diversification and Security

Consider how gold fits into your overall investment strategy. If you view your gold IRA as a critical component of your retirement security, opting for segregated storage might align better with your need for individual asset protection.

Cost Consideration

For those prioritizing cost savings over individual asset allocation, commingled storage offers a more budget-friendly option without compromising the overall security of your holdings.

Risk Tolerance and Security Preference

Ultimately, it comes down to your comfort level with your chosen storage method. If the idea of your gold being stored alongside others’ assets causes unease, segregated storage may be worth the additional cost for the peace of mind it provides.

Perceived vs. Actual Risk

Evaluate the actual security measures in place for both options. Often, the perceived risk of commingled storage is higher than the reality, especially when dealing with reputable depositories. It’s a smart idea to discuss both options with your gold IRA company to help decide if commingled storage makes sense for you.

Buy Physical Gold with Your 401(k) or IRA

Preserve Gold Guide

Free Guide Reveals Strategies to Diversify Your Retirement
with Physical Precious Metals

preserve gold recognition and ratings

Cost Comparison

Understand the fee structure for both segregated and commingled storage. Segregated storage generally incurs higher fees due to the personalized space and security. However, these costs should be weighed against the value you place on individual asset protection. 

For an idea of storage fees, one of the top depositories in the United States currently charges:

  • $100 annually for segregated vault storage
  • $150 annually for commingled vault storage

Of course, confirm current pricing options with your gold IRA dealer. While the difference in storage fees may not seem like a lot, it can add up over the long-term. You will need to weigh out the pros and cons of each and decide what makes the most sense.

Insurance and Liability

Check if there are differences in insurance coverage and liability protection between the two options. This can impact the overall cost and security of your investment.

Accessibility and Liquidity

Consider how easily you can access or liquidate your gold. Segregated storage may offer a more straightforward process for identifying and retrieving your specific assets, whereas commingled storage might be more efficient for general buyback options.

Reputation and Reliability of Storage Facilities

Research and select storage providers with a strong reputation and reliable security measures. Whether you choose segregated or commingled storage, the facility’s integrity and the custodian's trustworthiness are crucial. Making the right choice between segregated and commingled storage involves a careful evaluation of these factors. 

Your decision should ultimately reflect your investment philosophy, the importance of cost versus security, and your trust in the storage facility and its custodians. By considering these elements, you can select a storage option that aligns with your goals and offers you the most peace of mind for your precious metals IRA.

Popular Depositories for Precious Metals IRA Customers

When it comes to storing your gold IRA, choosing the right depository is as crucial as selecting between segregated and commingled storage. Here, we highlight three widely recognized and trusted depositories among precious metals IRA customers. 

Each of these facilities offers both segregated and commingled storage options, allowing you to make the best choice based on your preferences and considerations outlined earlier.

Delaware Depository

With a long-standing reputation for security and integrity, Delaware Depository is a premier choice for investors seeking peace of mind. It offers:

  • High-Level Security: Utilizing advanced security systems and protocols to ensure the safety of your precious metals.
  • Insurance Coverage: Comprehensive insurance policies that protect your investment against unforeseen circumstances.
  • Both Storage Options: Flexibility in choosing between segregated and commingled storage, depending on your individual needs and risk tolerance.

International Depository Services (IDS)

Operating facilities in both the United States and Canada, International Depository Services offers a global approach to precious metals storage. Highlights include:

  • Customized Storage Solutions: Tailored services that cater to a range of investor needs, from individual collectors to large institutional clients.
  • Secure and Confidential: Commitment to privacy and security, ensuring that your investments are handled with the utmost care.
  • Versatility: Alongside offering both storage options, IDS also provides a variety of related services that can enhance the investment experience.


A globally recognized name in security and protection, Brinks brings its expertise to the precious metals storage market with:

  • Worldwide Locations: Access to a network of secure storage facilities across the globe, allowing for flexibility in where your assets are held.
  • Trusted Security Measures: Leveraging its experience in valuables protection to offer robust security for your gold IRA.
  • Customizable Options: Whether you prefer segregated or commingled storage, Brinks accommodates your preferences with its range of services.

Choosing a Depository

When selecting a depository for your precious metals IRA, consider the following:

Location: Proximity to your residence or financial advisor might be important for personal visits or audits.

Fees and Services: Compare the costs and the range of services offered, including transport and insurance.

Reputation and Experience: Research customer reviews and the history of the depository to ensure reliability and trustworthiness.

The choice of depository should align with your storage preferences, financial goals, and the factors outlined in the previous sections.

By selecting a reputable depository that offers the storage option you prefer, you can ensure the safety and security of your precious metals investment.

Buy Physical Gold with Your 401(k) or IRA

Preserve Gold Guide

Free Guide Reveals Strategies to Diversify Your Retirement
with Physical Precious Metals

preserve gold recognition and ratings

Getting Started

The decision between segregated and commingled storage is more than a mere operational choice; it reflects your priorities, preferences, and peace of mind when setting up your precious metals IRA. 

Consult with a reputable gold IRA company. A gold and silver IRA dealer can guide you towards the right storage option for your situation.

Segregated storage, with its emphasis on individual asset security and personalization, offers a compelling option for those who value direct oversight and distinct allocation of their precious metals. 

On the other hand, commingled storage presents a cost-effective, efficient solution for gold IRA customers willing to pool their assets with others under a unified security protocol.

The journey to selecting the right storage option for your precious metals does not end with understanding the distinctions between segregated and commingled storage. It extends into assessing your investment goals, evaluating your risk tolerance, and scrutinizing the reputation and reliability of potential depositories. 

The decision is a balance between the tangible—costs, accessibility, and security measures—and the intangible—trust, reputation, and peace of mind.

As you navigate these considerations, remember that the choice of storage for your gold IRA is a crucial aspect of your broader long-term strategy.

It's not merely about where your gold is housed but how the storage method aligns with your investment philosophy and goals. The right choice secures not only your physical assets but also your confidence in your investment’s safety and potential for growth.

Whether you lean towards the personalized security of segregated storage or the cost-effective efficiency of commingled storage, ensure that your decision is informed, reflective of your investment priorities, and made in partnership with a reputable and trustworthy depository. 

By doing so, you'll be well-positioned to maximize the benefits of your gold IRA, safeguarding your gold and silver bullion against theft or damage..


To further assist you in making an informed decision, here are answers to some frequently asked questions about gold IRA storage options:

Can I switch between segregated and commingled storage?

Yes, many depositories offer the flexibility to switch between storage options. However, this may involve additional fees and logistical considerations.

How do I verify the security of my gold in either storage option?

Reputable depositories conduct regular audits and have insurance policies in place. Customers are often provided with reports or can request audits for verification.

Are there any tax implications associated with choosing one storage option over the other?

Storage options themselves typically do not directly affect tax implications. However, it's always advisable to consult with a tax professional along with your financial advisor regarding your specific investment circumstances.

How do storage fees compare between segregated and commingled options?

Segregated storage usually incurs higher fees due to the personalized space and security it provides. Commingled storage is more cost-effective due to the shared nature of the space and resources.

Remember, your choice of storage is a critical component of your gold IRA investment strategy.

Taking the time to consider your options carefully will ensure that your gold and silver IRA is not only secure but also aligned with your long-term financial goals.

Buy Physical Gold with Your 401(k) or IRA

Preserve Gold Guide

Free Guide Reveals Strategies to Diversify Your Retirement
with Physical Precious Metals

preserve gold recognition and ratings

About the Author

Ilir Salihi is the founder and senior editor at He oversees all content for IncomeInsider and its partner sites. His articles and insights have been featured on Barchart, Benzinga, and, among other prominent media channels.

Ilir Salihi


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