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How are precious metals valued and taxed in an IRA?

Valuation

STRATA reports the value of your precious metals on your quarterly statement using spot value.

Spot value is an industry standard that is calculated by multiplying the current market price of the metal by the number of ounces of fine metal in your holdings.

  • Reported values do not include dealer premiums, discounts, fees, or commissions
  • Spot value is an estimate only and should not be considered a firm buy or sell price

As a directed custodian, STRATA does not independently determine or verify the value of your metals. Price indications for specific bullion products may be obtained from various sources including your precious metals broker/dealer or on a site such as www.BuillionValues.org.

Please call your dealer for real-time pricing or information regarding their fees or commissions. Refer to our Important Disclosures for Your STRATA Precious Metals IRA regarding your STRATA account. 

Taxes

Taxes are owed only when the metals are distributed from the IRA
  • If held within the IRA, gains remain tax-deferred or tax-free (depending on your IRA type)
  • Taxes and potential penalties may apply upon distribution