Rosland Capital is a precious metals asset management firm with competitive pricing for fee-conscious investors. You can buy physical gold directly or invest in an IRA. Rosland Capital is one of the best gold IRAs with its transparent fee structure and portfolio flexibility. However, potential investors may find its old-fashioned website off-putting.
Pros and Cons
Rosland Capital Pros
- Low minimum balance requirement of $2,000
- Flat rate fees are displayed on their website
- The site answers several questions that someone new may ask on the website
Rosland Capital Cons
- There isn't a lot of information about the company on the website; it is more product-focused
- There doesn't appear to be a way to open an account without calling and speaking with a representative
- There is no mobile app
Open an Account
$2,000
$50 one-time set-up fee, $100 annual maintenance fee, a storage fee of $100 or $150, and a $40 paper statement fee (if you choose to receive paper statements)
- Low set-up fee ($50)
- Supports gold, silver, and platinum
- Relatively low minimum balance requirement
- Offers users $1,000 in free gold for on orders above $20,000 (up to $15,000 in free products)
- New users receive a free, informational gold kit
- No mobile apps
- No way to open account without speaking to a representative
- Limited information on company website
Rosland Capital's investment selection consists of gold, silver, and platinum, so the platform is perfect for precious metals-minded investors.
Compare Rosland Capital Gold
Free Gold Investing Guide, $246 per year, flat rate fee for Gold IRAs.
- All American Assets lists its inventory and pricing online without having to speak to a specialist
- Annual subscription fee
- Offers free shipping and insurance
- Ability to roll over a 401k, IRA, or Annuity into Physical Gold & Silver
- Offers 24/7 customer service
- $246 flat rate yearly fee
$25,000
Call company representative for more information
- Gold and silver IRAs
- Supports rollovers for 403(b)s, thrift savings plans, savings accounts, and IRAs
- You can request to have gold directly delivered to you
- You can either receive distributions as physical gold, or have Goldco convert the gold into cash for you
- $25,000 minimum to purchase gold
- No mobile app
Goldco is the best overall gold IRA. It offers gold self-directed IRAs, as well as silver IRAs.
Goldco
$20,000
$50 set up fee and an annual $125; storage costs between $100 to $175 annually
- History of reputable customer support
- Guidance on IRA rollovers
- One year of free storage and no administration fees ($50,000 minimum to unlock)
- You can only purchase precious metals over the phone
- Platinum and palladium assets not listed on website
Rosland Capital Overview
Rosland Capital is a precious metals dealer offering a wide range of gold, silver, platinum, and exclusive products. You can buy gold directly, including specialty coins, or invest in a gold IRA to hedge against inflation and mitigate portfolio risk.
Precious metals are one type of alternative commodity investment often featured in investment portfolios to protect investors against market risk and volatility. Like the best commodity trading apps, you can invest in gold with Rosland Capital to diversify your portfolio outside of traditional stocks and bonds.
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.
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.
Is Rosland Capital Right For You?
Rosland Capital is best for investors who want to add precious metals to their portfolio, whether through a gold IRA or by purchasing precious metals directly. Fee-conscious investors will appreciate Rosland's lower fees and minimums.
It's best for investors who want to add precious metals to their diversified portfolios, whether through a gold IRA or by purchasing precious metals directly. But besides pricing, Rosland does not offer a significant difference from other options.
Although Rosland Capital's customer service reviews are overwhelmingly positive, Rosland Capital's precious metals IRA services are lacking.
Pros and Cons
Is Rosland Capital Trustworthy?
The Better Business Bureau has given Rosland Capital LLC an A+ rating for multiple unresolved customer complaints against the business.
The BBB rates companies based on how well they interact with customers. Since bureau ratings range from A+ to F, Rosland's A+ is the highest possible rating.
Rosland Capital is free of recent lawsuits or scandals.
Ways to Invest With Rosland Capital
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 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. Still, 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 can buy and sell a range of precious metals, which will be shipped and stored at a secure facility. Precious metal investment options at Rosland Capital include specialty coins, gold bullion, silver, and platinum. 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 2024, IRAs of any type have a contribution limit of $7,000 for those under the age of 50 and $8,000 for those aged 50 and up. Know that opening a new gold IRA does not increase your contribution limit.
Check out Business Insider's guide to the best retirement plans>>
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.
Investment Options
Rosland Capital provides several options to prospective investors. The company offers precious metal IRAs, gold, silver, bars, and a wide range of premium and exclusive coins.
Rosland Capital's exclusive collectible coins include the Formula 1 Coin Collection. This is a gold and silver collection to celebrate prestigious motor racing events worldwide, such as the Formula One World Championship. The coins feature all the scheduled motor racing events from 2020 to 2023.
Another Rosland Capital exclusive collection is the PGA TOUR Coin Collection of gold and silver coins to honor professional golf. Featured coins celebrate the 2017 Presidents Cup and a series of golfers.
Rosland Capital Fees
According to Rosland Capital's website, there are no fees for establishing an 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 Alternatives
Rosland Capital vs. American Hartford Gold
American Hartford Gold shares many similarities with Rosland Capital, though Rosland has lower fees and minimums across the board. Both offer gold IRAs and the option to buy and have precious metals shipped directly to your home. Despite the similarities in their offerings, investors may feel much more familiar with AHG due to its celebrity endorsements and sponsorships.
Rosland Capital vs. Lear Capital
Lear Capital has been in the precious metals industry since 1997 and previously employed Rosland Capital's CEO, Marin Aleksov. Unlike Rosland Capital, Lear offers a branded IRA called the Lear Advantage IRA that offers free IRA set-up and storage and a 24-hour risk-free purchase guarantee, among other benefits. Compared to Rosland Capital, Lear is much more transparent in the account opening process and fees and can be found quite easily on the FAQ section of its website.
Rosland Capital vs. Masterworks
Masterworks is a unique investing platform that allows its users to invest in works of art, including artists like Picasso and Basquiat. While both gold and art are considered alternative investments, their performance record and risks are quite different as gold is a commodity mostly used as a hedge against inflation. In contrast, art carries more risk and expertise for investors to understand the market.
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 how it stacks up against other companies offering gold IRAs and precious metals.
Business Insider's Overall Rosland Capital Rating
| Feature | Rating (out of 5) |
| Liquidity | 4.50 |
| Customer support | 4.85 |
| Security | 5.00 |
| Ethics | 5.00 |
| Access | 3.00 |
| Fees | 4.80 |
| Investment selection | 3.00 |
| Overall score | 4.21 |
Rosland Capital FAQs
Rosland Capital is a prominent gold investment company offering a range of precious metals, including gold, silver, platinum, and specialty coins. You can invest in a gold IRA or buy gold bullion directly. Both beginners and experienced investors can diversify their portfolios with Rosland Capital. However, the firm is lacking in trading tools and features.
Rosland Capital is a top-performing precious dealer offering educational resources and personalized customer service. The best feature of Rosland Capital is its transparent and low fee structure. Rosland also frequently collaborates with outside organizations to offer exclusive specialty coins.
Rosland Capital offers a competitive fee structure suitable for fee-conscious investors. Its pricing for precious metals includes premiums over the spot price that cover the costs of fabrication, distribution, and a small markup. Overall, Rosland is transparent about its pricing.
Rosland Capital can help investors set up a Precious Metals IRA and walk you through the steps via email or phone. Rosland Capital works with IRA custodians who specialize in managing precious metals to streamline the sign-on process.
Rosland Capital has received overwhelmingly positive customer feedback due to the company's knowledgeable staff, educational resources, and quality of products. However, like with any business, there are mixed reviews from individuals who had bad experiences with Rosland Capital.
