Noble Gold converts 401k accounts into gold IRAs for investors who want a $20,000 entry point and the option to store metals in Texas. It also sells Royal Survival Packs, which are physical metal kits delivered outside the IRA, so keep those purchases separate from your retirement account.
Pros
- Team handles coordination with your 401k plan administrator
- Texas depository option for rolled-over metals
- Transparent buyback process for future distributions
- Provides updates during the rollover so you can track the transfer
- Fee waivers possible for qualifying rollover amounts
- Rollover setup typically completed in 5-7 business days
Cons
- $20,000 minimum for 401k rollovers
- 10+ years in business, the shortest history of the five
- Fewer metal product options for rollover portfolios
- Limited international rollover support
What to Verify About Texas Storage
Texas storage is Noble Gold's most distinctive feature, so check it first. Ask Noble which depository will hold your metals, whether storage is segregated or commingled, what the annual fee is, and how you can confirm your holdings.
The IRS requires IRA metals to be held by a trustee or custodian, so any depository must be one your custodian can use. Ask the custodian, not only the dealer, to confirm that the Texas facility is available for your account type.
401k Rollover Process
Noble Gold's team coordinates with your current 401k plan administrator, sets up your self-directed IRA and guides you through metal selection.
The company sends updates during the rollover so you can see where your funds are in the transfer.
Rollover Products and Services
Noble Gold offers standard precious metals IRA products plus Royal Survival Packs outside the IRA.
- Gold and silver IRAs that accept 401k rollovers
- Royal Survival Packs for non-IRA physical delivery
- Texas depository storage for rolled-over metals
- 401k, 403(b), TSP, and pension rollovers accepted
- No-fee IRA for qualifying rollover amounts
Rollover Account Fees
Noble Gold may waive the setup fee for larger rollover amounts. The recurring fees in the table below still apply, so total the three annual items before you compare.
| Fee Type | Cost |
|---|---|
| Account Setup Fee | $80 (may be waived) |
| Annual Custodian Fee | $80 |
| Annual Storage Fee | $150 |
| Wire Transfer Fee | $30 |
| 401k Rollover Processing | $0 |
Texas Depository for Rollover Metals
Noble Gold offers storage at the Texas Precious Metals Depository for rolled-over 401k assets. This state-administered facility is an alternative to East Coast depositories.
If you prefer state-level oversight over a private vault company, ask Noble for the depository's written insurance terms and audit schedule. The site's summary at the top of this page describes the Texas storage partner as International Depository Services (IDS) of Texas, so ask which facility will hold your metals.
Noble Gold's Cost on a $20,000 Account
The fee table lists an $80 setup fee (which may be waived), an $80 custodian fee and $150 for storage. In year one that is $310, or 1.55% of $20,000, and $230 a year after that, or 1.15%. A wire adds $30. These figures leave out dealer markup. A rollover processing charge is $0.
The pros list mentions fee waivers for qualifying amounts. Ask which fees are waived, for how many years and what rollover amount triggers the waiver.
Who Should Pick Noble Gold and Who Should Not
Noble Gold fits a rollover of $20,000 to $50,000 where Texas storage matters to you. It is less suitable if you want the longest operating history (Birch Gold Group, 20+ years, or Goldco, 16+ years), if your balance is below $20,000 (Birch starts at $5,000 and American Hartford Gold at $10,000), or if you want a formal education session before you decide (Augusta). Do not treat survival packs as part of your retirement plan: they are bought outside the IRA with after-tax money and are not IRA assets.
Noble Gold Compared With the Other Four
Noble Gold is rated 4.5/5, with a $20,000 minimum and 10+ years in business. Augusta (4.9, $50,000, 14+ years), Goldco (4.8, $25,000, 16+ years), Birch Gold Group (4.8, $5,000, 20+ years) and American Hartford Gold (4.7, $10,000, 11+ years) all score higher on this site. Noble's minimum falls between the low-minimum and high-minimum groups.
Our Verdict
Noble Gold fits investors with $20,000 or more who want Texas storage and a company that sends progress updates during the rollover. Its 4.5/5 rating is the lowest of the five on this site and it has 10+ years in business, so verify the buyback terms, the fee waiver and the depository in writing.
