Fidelity Gold IRA Review 2025

Hey there.

Welcome to today’s review. We’ll be talking about Fidelity Gold IRA.

Is it worth it? How do you invest?

You’ll find answers to such questions and more below:

Overview of Fidelity Gold IRA

Fidelity, like any other Gold IRA company, has its pros and cons. 

They are good for anyone who has extremely low investment budgets.

However, I still suggest browsing the market. There are many companies with low minimum investment requirements.

Fidelity Gold IRA Features 

Alright, let’s get real about Fidelity’s Gold IRA—no corporate nonsense, no sugarcoating, just the facts about what makes it unique and why it might (or might not) be right for you. Because when it comes to protecting your retirement, the last thing you want is to get caught in some financial black hole that swallows your money while Wall Street execs sip cocktails on their yachts.

Gold has been real money for thousands of years, and Fidelity has built a system that lets you include it in your retirement plan without getting ripped off by sketchy gold dealers. So, let’s get into it.

Fidelity Actually Lets You Hold Physical Gold—Not Just “Gold Paper”

Most investment firms pretend to offer gold in retirement accounts, but in reality, you’re just buying a piece of paper tied to gold prices. That’s not the same as owning actual, physical gold. If the economy collapses and you need real assets, you don’t want a piece of paper that’s “linked” to gold—you want the actual metal in your name.

✔ Fidelity allows you to hold physical gold, silver, platinum, and palladium in your retirement account.
✔ They only deal in IRS-approved metals—so you’re not getting scammed with cheap, low-purity gold.
✔ Unlike some gold IRAs that force you to buy overpriced “collectible” coins, Fidelity sticks to legit bullion and approved coins (like Gold American Eagles).

Bottom line: If you’re serious about diversifying your retirement into something real—not just stocks, bonds, and worthless fiat currency—this is how you do it.

⭐ Customer Review: “I wanted a real, no-nonsense way to add gold to my IRA. Fidelity made it simple—no gimmicks, no overpriced “rare” coins—just real, investment-grade gold.”

No Sketchy, Hidden Fees—Everything is Upfront

The biggest scam in the gold IRA industry? Hidden fees.
There are companies out there that hit you with ridiculous storage charges, massive markups on gold, and “maintenance” fees that nobody ever tells you about. And once you’re locked in? Good luck getting out without losing a chunk of your investment.

Fidelity doesn’t play those games. Their fee structure is clear, reasonable, and upfront:

✔ No account opening fees—because, seriously, why should you pay just to get started?
✔ Transparent transaction fees:

• 2.9% fee on gold purchases under $10K
• 0.99% fee for purchases over $100K (meaning, the more you buy, the lower the fee)
  ✔ Storage fees are simple and predictable:
• 0.125% of your total gold value per quarter (or $3.75 minimum)
• No insane price gouging—just a fair price to keep your metals secure

Bottom line: Fidelity isn’t trying to rob you with hidden fees. They tell you exactly what you’ll pay so you can make an informed decision.

⭐ Customer Review: “Compared to other gold IRA companies, Fidelity is way more transparent. No surprise charges, just a fair cost for buying and storing my gold.”

Secure Storage with $1 Billion in Insurance Coverage

Okay, so now you own physical gold in your IRA. Where does it go? Obviously, you’re not keeping it in your sock drawer.

✔ Fidelity partners with FideliTrade, one of the most trusted depositories in the business.
✔ Your metals are held in a fully insured, high-security vault.
✔ They insure up to $1 billion in gold holdings.
✔ You can even choose offshore storage in Canada or Switzerland.

Let’s be real—if you’re investing in gold, you probably don’t trust the U.S. economy as much as the government wants you to. Having the option to store some of your metals offshore is a feature that a lot of serious investors appreciate.

Bottom line: Your gold isn’t sitting in some random warehouse with no oversight. It’s secured, insured, and protected—just like it should be.

⭐ Customer Review: “Knowing my gold is insured for up to a billion dollars gives me peace of mind. I trust Fidelity’s storage way more than keeping it at home.”

You Can Start Small—Unlike Other Gold IRA Companies

Some gold IRA providers force you to start with $50,000 or more. They don’t want small investors—they want big commissions on big accounts.

Fidelity? You can start with as little as $1,000.

✔ For an IRA, the minimum investment is $1,000.
✔ For a non-IRA account, the minimum is $2,500 (and additional investments must be at least $1,000).

This means you don’t need to be a millionaire to protect your retirement with gold. You can start small, test the waters, and build your position over time.

⭐ Customer Review: “I didn’t have $50K to drop into gold right away, so Fidelity’s $1,000 minimum was perfect for me. I started small and added more over time.”

Fidelity is a Trusted, Established Name—Not Some Shady Gold Dealer

Let’s be honest: the precious metals industry is FULL of scams. There are gold IRA companies out there that:

🚩 Push overpriced “collector” coins instead of real bullion
🚩 Charge insane fees that drain your retirement savings
🚩 Lock you into terrible contracts that make it impossible to sell your metals
🚩 Disappear when you try to withdraw your investment

Fidelity? They’ve been in business for decades.

✔ A+ rating with the Better Business Bureau
✔ Trusted by millions of investors
✔ They don’t cold-call you like those scammy gold dealers do
✔ They let you invest at your own pace—without the high-pressure sales tactics

Bottom line: If you’re putting your retirement money into gold, you want to work with a company that actually has a reputation to protect. Fidelity isn’t some fly-by-night operation—they’re one of the biggest, most reputable financial firms in the world.

⭐ Customer Review: “Fidelity was the only gold IRA provider I actually trusted. No pressure, no gimmicks—just a solid investment option.”

Fidelity Gold IRA Products and Services 

Alright, let’s get into Fidelity’s Gold IRA products and services, and I’m going to be brutally honest—because when it comes to your retirement, you don’t have time for sugarcoated sales pitches. This is about protecting your hard-earned money from inflation, economic collapse, and the financial recklessness of politicians who don’t know how to balance a checkbook.

So, if you’re considering Fidelity’s Gold IRA, here’s exactly what you need to know.

Fidelity Offers Real Gold—But Only Certain Types

Let’s get something straight—not all gold is created equal. Some gold IRA companies try to sell you overpriced “collector” coins that have insane markups and no real investment value.

Fidelity doesn’t play that game.

✔ They offer real, IRS-approved precious metals that meet strict purity standards.
✔ No gimmicky, overpriced “rare” coins. Just solid, investment-grade gold, silver, platinum, and palladium.
✔ Everything is 100% legit for an IRA—no shady loopholes.

Here’s What You Can Buy in Your Fidelity Gold IRA:

✅ Gold Options:

• American Eagle Gold Coins (the standard for gold IRAs)
• American Buffalo Gold Coins (higher purity, no alloys)
• Gold Bullion Bars (for those who want big chunks of real money)

✅ Silver Options:

• American Eagle Silver Coins (the only silver coin allowed in IRAs)
• Silver Bullion Bars (higher value per ounce, better for bulk investment)

✅ Platinum & Palladium Options:

• American Eagle Platinum Coins
• Platinum & Palladium Bars

That’s it. No overpriced junk. No sales gimmicks. Just real, physical metal that holds value.

⭐ Customer Review: “I checked with multiple gold IRA providers, and Fidelity was one of the few that didn’t try to push me into collectible coins or overpriced metals. They kept it simple—just real, investment-grade bullion.”

Fidelity’s Fees Are Upfront (Unlike Most Gold IRA Companies)

You know what’s worse than losing money in the stock market? Getting nickel-and-dimed by hidden fees that drain your retirement savings.

Most gold IRA providers love to hit you with:
🚩 “Administrative Fees” they forgot to mention
🚩 Outrageous markups on gold purchases
🚩 Sky-high storage costs that eat into your profits

Fidelity? They’re at least upfront about what they charge.

✔ NO account opening fees.
✔ Transparent purchase fees:

• 2.9% fee on purchases up to $10K
• 0.99% fee for purchases over $100K (so bigger investors pay less)
  ✔ Storage fees:
• 0.125% of your total gold value per quarter (or $3.75 minimum).
• That means $100,000 in gold costs you $125 per year to store.

Is this the cheapest option out there? No. But compared to some gold IRA companies that charge 1-3% annually just for storage and maintenance, Fidelity’s pricing is actually reasonable.

⭐ Customer Review: “The fees were clear from the start—no surprises, no tricks. I knew exactly what I was paying for, and it was cheaper than most competitors.”

Your Gold is Stored in a High-Security, Insured Vault

So now you own real gold. Where does it go? Because you’re not just sticking it in your sock drawer.

✔ Fidelity uses FideliTrade, one of the most trusted precious metals depositories in the country.
✔ Your metals are held in a fully insured, high-security vault.
✔ Insurance coverage goes up to $1 billion (so you don’t have to worry about heists).
✔ You even have offshore storage options in Switzerland and Canada.

Let’s be honest—if you’re investing in gold, it’s probably because you don’t trust the U.S. economy. Having the option to store it outside the U.S. is a feature most people overlook—but one that serious investors love.

⭐ Customer Review: “Knowing that my gold is fully insured and securely stored gives me peace of mind. And the fact that I could choose offshore storage was a huge plus.”

You Can Start Small—No Need to Drop $25K Upfront

A lot of gold IRA providers require you to start with $25,000 or more. 

Fidelity is different.

✔ For a retirement account (IRA), you only need $1,000 to start.
✔ For a non-IRA account, the minimum is $2,500.
✔ You can add more funds over time—no pressure to invest everything at once.

This is HUGE for people who want to dip their toes into gold investing without throwing their entire retirement fund into it right away.

⭐ Customer Review: “I didn’t have $50K to start investing, so Fidelity’s $1,000 minimum was perfect for me. It let me start small and build my gold position over time.”

You Can Buy and Sell Easily—No Crazy Lock-In Periods

Some gold IRA companies make it nearly impossible to sell your metals. They trap you in ridiculous contracts, charge outrageous fees when you want to sell, and offer lowball buyback prices so they can make a profit on your metals.

✔ Fidelity lets you sell your gold at any time.
✔ They offer fair market value—no ridiculous buyback fees.
✔ You get paid quickly—no long waiting periods.

This is how gold investing should be. You own the asset, and when you decide to cash out, it should be a smooth and fair process.

⭐ Customer Review: “I was able to sell some of my gold quickly and at a fair price. No hassles, no crazy fees—just a simple transaction.”

✔ They offer real, IRS-approved gold, silver, platinum, and palladium.
✔ Their fees are clear and reasonable.
✔ Your metals are stored securely and fully insured.
✔ You can start with as little as $1,000.
✔ Selling is easy—no games, no tricks.

At the end of the day, gold is real money. Unlike stocks, it doesn’t crash overnight. Unlike fiat currency, it doesn’t lose value because some politician printed another trillion dollars.

If you’re serious about protecting your retirement from inflation, economic collapse, and government stupidity, Fidelity’s Gold IRA is one of the best ways to do it.

Fidelity Gold IRA Costs and Fees

Alright, let’s get into the real cost of a Fidelity Gold IRA—no vague sales talk, no buried fine print, just the cold, hard truth about what you’re actually paying for.

So let’s break down every single cost Fidelity charges you when investing in a Gold IRA.

Fidelity’s Transaction Fees – The Cost of Buying and Selling Gold

First up, you have to pay a fee just to buy your gold. Because, of course, nothing in finance is ever free.

Here’s how much Fidelity charges you when you buy gold in your IRA:

✔ If you buy up to $9,999 worth of gold: 2.90% fee (That’s $290 on a $10K purchase!)
✔ If you buy between $10,000 and $49,999: 2.50% fee
✔ If you buy between $50,000 and $99,999: 1.98% fee
✔ If you buy over $100,000: 0.99% fee (Finally, a reasonable rate—but only if you’re a big investor.)

And when you sell your gold? Yeah, there’s a fee for that too:

✔ Selling up to $49,999 worth of gold: 2.00% fee
✔ Selling between $50,000 and $249,999: 1.00% fee
✔ Selling over $250,000: 0.75% fee

So basically, if you’re a small investor, you’re paying more in percentage terms. If you’re a big investor, you get a discount. Welcome to the way finance works—the rich always get better rates.

Storage Fees – Because You’re Not Keeping Gold Under Your Mattress

So, now you’ve bought gold. Where does it go? Fidelity doesn’t let you hold it in your hand—it goes into a secure vault, which of course, you have to pay for.

✔ Storage fee: 0.125% of your total gold value per quarter (or $3.75 minimum).
✔ That means you’re paying 0.5% per year in storage fees.

Let’s say you invest $50,000 in gold. That means you’re paying $250 a year just to keep it stored. And if your gold sits in storage for 10 years? That’s $2,500 in fees.

Now, this isn’t the worst storage fee in the industry—some companies charge more—but it’s not exactly cheap either. And the longer your gold sits in an IRA, the more those fees eat into your profits.

And here’s the kicker: If gold prices stay the same or go down, you’re still paying those storage fees. You have to believe gold will go up in value faster than your fees accumulate—otherwise, you’re losing money.

Minimum Investment – How Much You Need to Get Started

You can’t just throw $100 into a Fidelity Gold IRA and call it a day. There’s a minimum investment requirement, and here’s what that looks like:

✔ If you’re opening a Gold IRA: You need at least $1,000 to start.
✔ If you’re opening a non-retirement account: You need $2,500 minimum.
✔ If you want to buy more gold later, you have to invest at least $1,000 at a time.

Now, compared to other gold IRA companies, this is actually a low entry point. Some companies won’t even talk to you unless you have $50,000 to invest.

So, credit where credit is due—at least Fidelity lets smaller investors get in the game.

The Extra Fees Nobody Tells You About

Oh, you thought that was all? Nope. Because, of course, there are extra fees that get tacked on.

🚩 Transaction Minimum Fee: Every time you buy gold, there’s a $44 minimum transaction fee. So even if you’re buying a small amount, you’re paying at least $44.

🚩 Limited Trading Hours: You can’t just buy gold whenever you want—you have to call a Fidelity representative between 8:00 a.m. and 3:00 p.m. ET. If you’re busy, too bad.

🚩 Taxes and Delivery Fees: If you decide to take physical possession of your gold (which, let’s be honest, is why many people want gold in the first place), you’ll have to pay extra delivery charges and taxes.

🚩 Early Withdrawal Penalties: If you withdraw your gold before age 59½, the IRS hits you with a 10% early withdrawal penalty. On top of that, you’ll owe regular income tax on whatever gold you take out.

Is Fidelity’s Gold IRA Worth It?

Alright, here’s the bottom line:

✔ The Good:

• Fidelity is a trusted, well-established company.
• Their fees are reasonable compared to many competitors.
• You can start with as little as $1,000.
• They offer real, IRS-approved gold and silver.
• Your gold is stored in a secure, fully insured vault.

❌ The Not-So-Great:

• Transaction fees are high if you’re a small investor.
• Storage fees add up over time and eat into your profits.
• You can’t access your gold directly unless you pay extra for delivery.
• Selling gold comes with its own set of fees.
• Gold IRAs have tax implications that can hurt you if you’re not careful.

Who is a Fidelity Gold IRA Best For?

✅ You believe gold will increase in value faster than the fees accumulate.
✅ You want a secure, reputable company handling your retirement metals.
✅ You don’t mind paying storage fees to keep your gold safe.
✅ You have at least $1,000 to invest upfront.

Who Should Avoid a Fidelity Gold IRA?

🚫 You’re a small investor looking for a low-cost way to invest in gold. (Buy gold ETFs instead—lower fees, easier trading.)
🚫 You don’t want to pay storage fees every year.
🚫 You want to hold physical gold in your hands.

Customer Reviews of Fidelity Gold IRA

Alright, let’s cut through all the marketing fluff and get real about Fidelity’s Gold IRA—the good, the bad, and the absolutely infuriating. Because if you’re trusting your retirement savings to a company, you better know exactly what you’re getting into. And let’s be honest, not all that glitters is gold.

So let’s break down the ratings, reviews, and real customer experiences with Fidelity’s Gold IRA.

The Good: What Fidelity Actually Gets Right

Now, I’m not just here to trash Fidelity. They’re one of the biggest financial institutions in the country for a reason. There are some legitimate positives to investing in a Fidelity Gold IRA.

✅ A+ Rating with the Better Business Bureau (BBB)

Fidelity isn’t some shady, fly-by-night gold dealer. They have an A+ rating with the BBB, which means they at least try to resolve complaints and maintain a good reputation. That’s more than I can say for a lot of so-called “gold investment” companies that vanish the second you try to withdraw your money.

✅ No Account Opening Fees (A Rarity in This Industry)

Unlike a lot of gold IRA providers that hit you with ridiculous upfront fees just for opening an account, Fidelity doesn’t charge you anything to get started. That’s one less way they can nickel-and-dime you.

✅ Low Minimum Investment Compared to Competitors

A lot of gold IRA companies demand $50,000 or more just to get in the door. Fidelity lets you start with as little as $1,000 in an IRA (or $2,500 in a non-retirement account).

For regular investors who don’t have a huge portfolio to roll over, this is a much more accessible entry point.

✅ 24/7 Customer Support (Which You’ll Probably Need…)

Unlike some investment firms that go dark the second you have a problem, Fidelity offers 24/7 customer support. If you need help or have a question at 3 a.m., there’s actually someone to answer the phone.

⭐ Customer Review (Positive Experience):
“I’ve been a Fidelity customer for years, and their customer service has always been excellent. I can call anytime and actually get a real person.”

The Bad: Where Fidelity Starts to Annoy Investors

Now, let’s talk about the not-so-great aspects of Fidelity’s Gold IRA. These aren’t dealbreakers, but they’re definitely things you need to be aware of.

⚠️ Limited Precious Metals Selection

Look, if you’re serious about gold investing, you probably want options. Fidelity? They don’t give you many.

✔ You can buy: American Eagle & Buffalo gold coins, silver American Eagles, and platinum/palladium coins.
❌ You can’t buy: Many of the other IRS-approved bullion coins that some investors prefer.
❌ You don’t get access to: Internationally recognized gold bars from places like the Royal Canadian Mint or Perth Mint.

So if you’re someone who wants diversification within your metals, Fidelity might not be the best option for you.

⚠️ Website and Platform Can Be Confusing

Fidelity is a massive company with a million different investment products. Their website? A mess to navigate if you’re not already familiar with their system.

Some customers have reported difficulty finding information about their Gold IRA on the website and getting clear answers about their accounts.

⭐ Customer Review (Frustration with Website):
“Fidelity’s website is a nightmare to navigate. I had to call three different representatives just to figure out how to access my IRA details. Not user-friendly at all.”

The Ugly: The Reasons Customers Are Actually Angry

Alright, now let’s talk about the real problems. Because for every investor who has a smooth experience, there are plenty of horror stories.

🚩 Hidden Fees That Eat Into Your Returns

Fidelity doesn’t charge you to open an account, but once you’re in, the fees start adding up.

✔ Buying Fees: 2.9% if you buy less than $10K in gold (that’s $290 on a $10,000 investment!).
✔ Selling Fees: 2% if you sell less than $50K (they take their cut no matter what).
✔ Storage Fees: 0.5% per year (which eats into your returns over time).

And here’s where it gets really frustrating: Some investors have reported unexpected additional charges that they weren’t made aware of.

⭐ Customer Review (Hidden Fees Complaint):
“I thought I knew what I was paying for, but then I noticed additional fees being deducted from my account. The rep I spoke to wasn’t clear about them at all.”

🚩 Trustpilot Rating: A Brutal 1.3 Out of 5 Stars

Here’s where things really go downhill. Fidelity has a horrible rating on Trustpilot—1.3 stars out of 5.

For a company as big as Fidelity, that’s embarrassing.

The complaints? Mostly about poor customer service, delays in processing transactions, and misleading fee structures.

⭐ Customer Review (Negative Experience):
“I transferred my gold IRA to Fidelity, and it was the worst experience ever. It took forever to process, I kept getting bounced between representatives, and I felt like I was being given the runaround.”

🚩 Withdrawal Process is Slow and Bureaucratic

Want to take your money out? Be prepared for delays. Customers have reported long wait times to process withdrawals and a lot of red tape to actually access their own funds.

🚩 Some customers have even had issues rolling over their IRAs to different providers, reporting that Fidelity dragged their feet and made the process unnecessarily difficult.

⭐ Customer Review (Withdrawal Issues):
“Getting money OUT of Fidelity was a nightmare. I had to make multiple calls, send emails, and wait weeks just to access my own money.”

How Investing with Fidelity Gold IRA Works

Investing in a Fidelity Gold IRA isn’t as simple as clicking “buy” on Amazon. There’s a process, there are fees, and there are rules. Lots of rules. If you don’t follow them, you could end up paying penalties, losing money, or dealing with unnecessary headaches.

So let’s break down the exact steps you need to follow to invest in a Fidelity Gold IRA—without getting blindsided by hidden fees or bureaucratic nonsense.

Step 1: Open a Self-Directed IRA (SDIRA)

Let’s get something straight: You can’t just buy gold inside a regular Fidelity IRA or 401(k). That’s because the IRS wants to keep your retirement locked into the stock market casino. If you want to invest in actual, physical gold, you need to open a Self-Directed IRA (SDIRA).

Here’s what you do:
✔ Go to Fidelity and request to open a Self-Directed IRA.
✔ Fill out the paperwork (because of course, there’s always paperwork).
✔ Fund your account—either with a rollover from an existing IRA/401(k) or with a new cash contribution.

🚩 IMPORTANT: If you’re rolling over funds from a traditional IRA or 401(k), make sure you do it as a direct rollover (Fidelity-to-Fidelity) so you don’t trigger taxes or penalties.

⭐ Customer Review: “Opening the SDIRA was easy, but make sure you understand the rollover process. A mistake could mean paying taxes on your entire balance.”

Step 2: Choose Your Gold (But You Can’t Just Buy Any Gold)

So now you have an account. Great. But you can’t just buy any gold you want. The IRS has strict rules on what kinds of gold you can hold in a retirement account.

✔ Fidelity Offers the Following IRS-Approved Gold Options:

• Gold American Eagle coins (91.67% purity, backed by the U.S. government)
• Gold American Buffalo coins (99.99% pure)
• Gold bullion bars (99.5% purity or higher)

❌ What You CANNOT Buy in a Fidelity Gold IRA:

• No rare or collectible coins (because the IRS doesn’t trust you with that).
• No gold jewelry (even if it’s pure, because that would be “too easy”).
• No privately minted gold bars (only government-approved bullion).

🚩 Fidelity has a limited selection of gold. If you want a wider variety of options (like international gold coins), you might need to look at another provider.

⭐ Customer Review: “I was hoping for a broader selection of gold, but Fidelity only offers a few coins and bars. It’s fine if you want the basics, but don’t expect anything exotic.”

Step 3: Buy the Gold (And Pay the Fees That Come With It)

Alright, you’re ready to buy gold. Here’s how it works:

✔ Call Fidelity’s trading desk (gold purchases can’t be made online).
✔ Place your order for the type and quantity of gold you want.
✔ Lock in the price—since gold prices fluctuate, you’ll confirm the rate at the time of purchase.

🚨 But Here’s the Catch—You Have to Pay Fidelity’s Fees

Fidelity doesn’t let you buy gold for free. Here’s how much you’ll pay:

✔ Buying Fee:

• 2.9% fee on purchases under $10K (that’s $290 on a $10,000 order!)
• The more you buy, the lower the percentage:
  • 2.5% for $10K-$49K
  • 1.98% for $50K-$99K
  • 0.99% for $100K+

✔ Selling Fee:

• 2% fee if you sell less than $50K worth of gold
• 1% or less for bigger transactions

🚩 These fees can add up fast, so don’t ignore them.

⭐ Customer Review: “I was surprised by the fees. Fidelity is cheaper than some gold IRA companies, but it still takes a chunk out of your investment.”

Step 4: Store Your Gold (Because You Can’t Keep It at Home)

Now that you’ve bought the gold, where does it go? Well, you don’t get to hold it in your hands. The IRS requires that all gold in an IRA must be stored in an approved depository.

✔ Here’s Where Fidelity Stores Your Gold:

• FideliTrade Depository (high-security vault)
• $1 billion insurance coverage (so your gold is protected from theft, fire, etc.)
• You can choose U.S. or offshore storage (Canada or Switzerland for those who don’t fully trust the U.S. economy).

🚩 You CANNOT store your gold at home. If you do, the IRS will consider it a withdrawal, hit you with a 10% penalty, and tax you on the entire value of your gold.

⭐ Customer Review: “I feel good knowing my gold is secure and insured, but I wish there was an easier way to access it if needed.”

Step 5: Cash Out (Or Take Physical Possession of Your Gold)

Eventually, you’re going to want to sell your gold or take it out of your IRA. Here’s what happens next:

✔ If you SELL the gold → Fidelity buys it back at market price (minus their fees).
✔ If you WITHDRAW the gold → You’ll owe taxes and possibly a 10% penalty if you’re under 59½.

🚩 Some customers have complained about slow withdrawal times. Fidelity is a huge company, and bureaucracy can slow things down.

⭐ Customer Review: “It took longer than expected to cash out my gold. I had to call multiple times to get the process moving.”

Conclusion

Here’s the reality—a Gold IRA is not a “set it and forget it” investment. It comes with fees, restrictions, and tax implications that you need to understand before diving in.

But if you’re looking for a secure way to diversify your retirement, hedge against inflation, and own real, physical gold—without the risk of some shady gold dealer scamming you—Fidelity is one of the better options out there.

Just remember—gold is real money, but the financial system still finds ways to take their cut. So read the fine print, understand the fees, and make sure a Gold IRA actually fits into your retirement plan before jumping in.