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Noble Gold is a popular choice for precious metals IRAs. Endorsed by a variety of conservative personalities and publications, they help people roll their retirement funds over into gold and silver. But how do they compare to the competition? Are their services actually legitimate?
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About Noble Gold
Noble Gold has been selling precious metals for more than two decades. In addition to specializing in gold IRAs, they offer precious metals for individual purchase. If you want to invest in coins for your personal portfolio, you can have them delivered directly to your address.
According to the company website, their main mission is to make it safe and simple for people to buy precious metals. They strive to give each customer the right educational tools to choose their investments confidently. There's a strong focus on education, with representatives teaching customers how to diversify their accounts and maximize their potential for long term growth.
The company focuses on the customer rather than the transaction. They don't just want to sell you metals and move on. They want to cultivate an ongoing customer relationship. The goal is to provide the materials that clients can use for wealth preservation, rather than just to close a sale.
Advantages of Noble Gold
As mentioned, Noble Gold takes a customer-first approach. They believe that precious metals are a key component of a balanced portfolio. Having precious metals provides the kind of stability that leads to financial success.
When you go to the Noble Gold website, you can get a free investment kit. This has a great deal of information about precious metals, different products, retirement accounts, and global economic factors. You will be able to learn about precious metals even if you don't have any financial background.
Another positive is that the company employs only the most trusted of advisors. Rather than hiring based on skills alone, they look for people with knowledge and experience. You'll be working with people who have spent time working in or studying the precious metals and finance industries.
One more advantage is how quickly you can get started. It only takes five minutes to fill out the initial forms and start getting your account set up.
The company also has a network of helpful partners. In addition to partnering with custodians and storage facilities, they consult with accountants and estate planning attorneys to answer customer questions. This helps them to have much more well-rounded information about precious metals retirement accounts.
In fact, if you have complex retirement account needs, Noble Gold can put you in touch with other professionals. They may refer you to tax attorneys or accountants to make sure that you're getting the most out of your retirement account.
Making a Purchase
There are two main ways that you can make a purchase. One is by making a purchase for your precious metals IRA. The other is by making a personal purchase using cash. In the case of the IRA, your items will need to be shipped to a licensed depository. With the personal purchase, the items can be delivered either to a depository or to you personally.
No matter what type of purchase you're making, your first step will be to create an account. This is done by filling out the account application information on the website. When investing in an IRA, you will be linked to a custodian within 24 hours.
In the case of an IRA, you'll then sign a transfer document. This will authorize Noble Gold to work with your custodian to transfer funds from your existing retirement accounts or bank accounts. Since Noble Gold handles the communication, you don't need to worry about the hassle of contacting your custodian.
As soon as the funds are in the account, you can purchase precious metals. Noble Gold only sells precious metals products that are popular and easy to liquidate. The items will be delivered to your depository of choice. If you make a personal investment, you can pay from your bank account.
When the time comes to liquidate your precious metals, you have the option to do that. Noble Gold has a buyback program, so they will buy back whatever metals you're holding. They will give you a quote based on the price of precious metals. This quote is often higher than what you'd get from an average precious metals broker.
One thing to keep in mind is that there are some limitations for international buyers. While international customers can make purchases, the precious metals can only be stored in the US or Canada. They will not be shipped overseas, so they will be held in a secure depository.
The buyback program is open to all clients, regardless of whether they're located in the US or internationally.
There is another option built specifically for international clients. The Noble Ambassador Survival Pack is designed for those who want to have secure precious metals in the US. This is a personal investment that provides extra security and protection in the event that you need to leave your home country.
Storage Depository Services
Noble Gold works with several storage depository companies in the US and Canada. They have Canadian storage available in Ontario for international clients. In the US, their main partnered depositories are the Delaware Depository and the Texas Depository.
The Delaware Depository is an extremely popular option because it is located in tax-sheltered Delaware, easy to access, and highly secure. But Noble Gold places a stronger emphasis on the Texas Depository. They are one of the only companies that offers precious metals storage in Texas, filling a niche in the Deep South.
Whether you use the Delaware or Texas Depository, you can rest assured that your precious metals are secure. These depositories by meet the rigorous IRS guidelines for security. They are guarded 24/7 and frequently audited. In addition, every account is fully insured, meaning that you can be compensated if anything ever does happen to the metals.
You can visit both of these storage facilities in person to look at your assets. The audits ensure that your account holdings reflect the physical metals, even if you can't double check yourself. You are the sole owner of these assets, so you won't suffer financial issues if the depository itself declares bankruptcy.
Noble Gold offers its Texas storage through a partnership with International Depository Services. IDS has created the only fully secure and licensed depository in Texas. At first, Noble Gold was the only company offering IRA storage in Texas. However, IDS has since partnered with a few other precious metals dealers to make this offer as well.
If you make a personal investment using your savings instead of your retirement account, you have more storage options. You aren't bound by IRS regulations. You can have your items delivered to your address, a bank deposit box, or a depository of your choice.
Keep in mind that IRAs must be stored in a depository. Otherwise, you're in violation of IRS regulations.
It's also important to note that home storage is more risky than storing your items in a depository. At home, you're more vulnerable to theft, damage, and natural disasters. At a depository, not only is there increased security, but you also have full insurance coverage for your assets.
Some people do prefer to keep their precious metals close, though. That makes them easier to grab if you suddenly have an emergency. You don't have to travel to access your wealth. Some investors also prefer the control of knowing exactly where their metals are and whether anybody is accessing them.
There are two ways to have your metals delivered: Noble Express and Noble Fortress.
Noble Express Services
The Noble Express service involves delivering your precious metals directly to your house. If you invest in a Royal Survival Pack, you can get it shipped to your home in plain packaging. The items will be sent within five days of the order confirmation.
Every package ships with full insurance coverage. You'll need to sign for it, so it won't be left unattended on your doorstep. Thanks to the insurance coverage, you can be reimbursed if the package is damaged or lost in the mail.
Noble Gold prioritizes the privacy of customers above all else. They keep the identities of their customers secret. In addition, they make sure not to put any indication of the package's contents on the package itself.
Noble Fortress Services
If you want to store your investment in a depository, then Noble Fortress is the right choice. The Royal Survival Pack that you choose will be delivered to the depository of your choice. You have a few options.
Noble Gold highly recommends using the Delaware Depository if you are in the US. However, you can also use the Texas Depository through their partnership with IDS.
If you want to store your items outside the US, then the company recommends using a depository in Ontario, Canada. They do not typically work with depositories overseas.
Regardless of which storage facility you choose, your items will be placed in segregated storage. Segregated storage is kept separate from other people's holdings. The items that you withdraw will be exactly the ones that you put in. No one will be able to access the holdings except you and anyone else you designate.
Royal Survival Packs
The main vehicle for personal investment with Noble Gold is a Royal Survival Pack. Rather than being a typical purchase of certain items, this is a special pack designed for emergencies. You choose a tier, and then the company puts together a package of easily-liquidated items that meet your needs.
Some investment experts consider precious metals a safe investment vehicle for emergencies. They have maintained their value for thousands of years. When there are problems with your currency or the global economy, precious metals can help you survive.
The tiers are arranged based on the investment amount.
By investing $10,000, you get access to the Noble Knight pack. This pack is outfitted with a range of different coins that can be liquidated simply over time. The Knight pack is the lowest tier, and it is considered ideal for short-term survival.
You can use the items in this pack to cover your extra expenses. They can provide for an individual for several weeks. Some people use them as protection in case of a sudden illness or injury that prevents income generation.
The Noble Baron pack involves an investment of $25,000. It is built for serious incidents. As such, it can support a moderately-sized family for several weeks. The company website says that it should cover four people for between 4 and 8 weeks.
This is an ideal investment for people concerned about providing for their families during times of economic strife or illness. It's also ideal for individuals protecting themselves against long-term struggles.
With $50,000, you can invest in a Royal Survival Pack that will protect you for several months. It's also an ideal choice for those who need to spend more money, whether that's on travel or expenses or just maintaining your lifestyle.
When you invest in this survival pack, it is a way of planning seriously for the future. You should be aware of how and why you'd liquidate the items. You'll have more options in times of major natural disasters or wars.
You can invest $100,000 in a Royal Survival Pack if you want. This is an open-ended option that will keep you going for long periods of time. It's easy to liquidate small pieces for ongoing income, but the bulk of the materials remain in the background until they're needed.
This is a package that's built for long-lasting wars, disasters, and other issues. If you need extra money to travel or maintain your lifestyle, this is an ideal choice.
With an investment of $250,000, you can create very long-term plans for the future. This package is capable of providing for an average family of four for a year or more. It includes a wide mix of popular metals.
This is a pack that's ideal for people who need to move frequently. For example, if there's a war or major incident in your area, then you might need to liquidate your funds for quick travel out of the area.
This is the most expensive pack at $500,000. If you choose this survival pack, you will fully discuss the contents and your needs during the sale. Noble Gold will take your circumstances into account to make sure they create the best package for your potential issues.
This is a custom package available for international customers who want to store precious metals in the US or Canada.
Is Noble Gold a Scam?
Noble Gold is clearly not a scam. The company has received praise from a variety of publications and third party organizations. They have also been extremely well reviewed by past customers. Customers almost universally praise the company's service, pricing, and products.
On Facebook, the company has 5 out of 5 stars based on 13 reviews. On Consumer Affairs, they also have a perfect score of 5 out of 5 stars with 155 reviews. There are absolutely no 1 or 2 star reviews on Consumer Affairs. On Trustlink, their rating is 5 out of 5 stars based on 123 reviews.
So we can see that there are hundreds of happy customers. The Better Business Bureau website has 50 reviews, again with a perfect 5 out of 5 stars. The organization gives Noble Gold an A+ rating and accreditation. There have only been two complaints in the last three years, only one of which was within the past year.
That's an extremely impressive track record. Any large company will have some negative feedback. But the ratio of complaints to positive reviews shows that over 99.5% of customers are extremely satisfied.
Neither of the official complaints is available to view on the BBB website. Customers will sometimes request that they be removed after the issue is resolved. Both of the complaints have been marked as resolved. Both were related to an issue with a service or product, but there's no further information.
Let's take a look at a few of the positive consumer reviews to see what Noble Gold does right.
One review praised Micah personally, saying that he was excellent to work with. The customer added that he would recommend this company to anyone and would be happy to continue working with them in the future. He said that he believed Noble Gold was his safest option for protecting his investments.
Another customer praised Josh, saying that he was knowledgeable and super helpful. Every part of the process was explained and streamlined. This customer chose to open an IRA and to make a personal purchase for their portfolio.
A married couple left a review saying that since they are seniors, they had hesitations about switching to a precious metals IRA. One of their favorite podcasters recommended Noble Gold. They worked with Mandi, who they say was very helpful in explaining the process and removing their doubts. They concluded by saying that thus far, they were extremely happy with their experience.
Pros & Cons of Noble Gold
Noble Gold is one of the best companies to work with if you want to invest in a precious metals IRA. The company has received hundreds of positive reviews across trusted sites like Consumer Affairs, Trustlink, Facebook, and the BBB. They have top marks from the BBB and the Business Consumer Alliance.
There is very little negative feedback available online. While two complaints have been filed in the past three years, both were resolved and removed from public viewing. Every other customer seems to have reported a positive experience. It seems clear that even if you do run into issues, the company is committed to resolving them painlessly.
Overall, we do recommend Noble Gold. The company sticks to its policies of providing excellent service without pressure. Many customers have even praised their customer service representative by name. Just keep in mind that there may be one or two competitors that have a slightly more streamlined process.
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