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Rosland has a relatively low minimum balance requirement, and lower fees than most of its competitors. It earns a spot on our list of the best gold IRAs — check out this guide for more options and to learn more about investing in gold.
Rosland Capital Review
Rosland is best for fee-conscious investors looking to add precious metals to their portfolio, as Rosland has lower fees and minimums than most competitors in the industry. But besides pricing, Rosland does not seem to offer a significant difference from other options.
Though the company was founded less than 20 years ago, the look and feel of the website feels antiquated and cluttered. The company also doesn't appear to invest significantly in PR or advertising like other firms in this space. Neither of these items makes the company less trustworthy, but would-be investors may feel more reassured with a company that does more outreach and is easier to research.
Pros and Cons of Rosland Capital
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Rosland Capital Costs
According to Rosland Capital's website, there are no fees for establishing and IRA account. However, Equity Institutional, the IRA custodian, does charge fees. There is a one-time $50 set-up fee and annual fees, including a $100 maintenance fee and a $100 to $150 storage fee, depending on the type of storage chosen.
There is also a $40 statement fee for customers who prefer paper statements, though electronic statements are free of charge.
If you decide to buy and hold physical gold on your own and not through an IRA, there is a $49 shipping fee, but it is waived with a $10,000 purchase. Lastly, Rosland Capital charges a commission, also known as a spread, when you purchase gold. This percentage can range between 4% and 33% and varies depending on the type of metal you are buying.
How to Open an Account with Rosland Capital
To open an account with Rosland Capital, you must call the representative number listed on the website. There is also a form to enter your contact information for a representative to contact you.
After speaking with the representative, they will send over the paperwork needed to complete the opening process, and you will be asked to fund the account via rollover in the case of an IRA, or with a check or wire transfer if you opt to hold physical metals.
Rosland Capital Offerings
Rosland Capital provides several options to prospective investors. The company offers precious metal IRAs, gold, silver, bars, and a wide range of specialty coins.
Gold IRA
With a Rosland Capital Gold IRA, you can invest in gold and other precious metals with the tax benefits of a retirement account. The company offers both traditional and Roth IRA options, providing flexibility depending on the investor's preference. The representatives at the company strongly encourage you to open an IRA via rollover, which requires a $10,000 minimum, but with $20,000 or more, you can receive one year of free storage, according to the representatives we spoke with.
Once the account is open, you will have the option to buy and sell items such as gold and silver bars, coins, and more, which will be shipped and stored at a secure facility. To monitor prices and the performance of your investment, you can call your representative or use the client portal provided after the account is opened. In 2023, IRAs of any type have a contribution limit of $6,500 for those under the age of 50 and $7,500 for those aged 50 and up. In 2024, the limits increase to $7,000 and $8,000 respectively. Know that opening a new gold IRA does not increase your contribution limit.
Buying Physical Gold Directly
If you want to own gold outside of an IRA, Rosland Capital allows investors to purchase precious metals directly and have them shipped directly to their homes. Rosland has a large inventory of items, including exclusive branded items like the PGA Tour Coins and Formula 1 Championship coins. For this option, there is a minimum purchase of $2,000, a $49 shipping fee that can be waived with a larger purchase amount, and commission fees, which can vary.
Rosland Capital FAQs
Who is the owner of Rosland Capital?
Marin Aleksov founded Rosland Capital in 2008. Aleksov was born and raised in Sweden and moved to the United States in 1993. Before founding RC, he was the Vice President and manager of Sales at Lear Capital, another precious metals dealer in Los Angeles.
How does Rosland Capital make money?
Rosland Capital is a precious metal wholesaler, which means it makes money by marking up items before selling them to customers. Rosland also charges a commission when selling items but does not charge when buying items back from its customers.
What is the minimum investment for Rosland Capital?
The minimum investment is $2,000.
Is Rosland Capital a legitimate company?
Yes. Rosland Capital has been operating for 15 years and has earned an A+ rating with the Better Business Bureau with a customer review score of 4.76 out of 5.
Compare Rosland Capital
Rosland Capital vs. American Hartford Gold
Rosland Capital vs. Lear Capital
Rosland Capital vs. Masterworks
Investors will also notice the difference in required minimums and fees. Masterworks requires a minimum of $15,000 to invest and does not have an IRA option. Investors with Masterworks must also hold their assets between three to 10 years, depending on which art they invest in.
Why You Should Trust Us: How We Reviewed Rosland Capital
We evaluated Rosland Capital using Insider's methodology for rating investing platforms. We examined fees, customer service experience, and investment options and rated them on a scale of 0 to 5. Rosland Capital was examined with a focus on how it performed in each category, and also how it stacks up against other companies offering gold IRAs and precious metals.