How to buy physical gold for retirement in 2026
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📌 Key Takeaways
- Gold behaves differently than traditional assets during economic shifts
- Self-directed gold IRAs are the most direct way to hold physical gold in retirement
- Physical gold can be purchased through dealers, banks, or online platforms outside of IRAs
- Experts recommend limiting gold to 5-10% of overall portfolio
- Understanding fees, storage options, and potential scams is crucial
📖 Full Retelling
Financial journalist Angelica Leicht, senior editor for the Managing Your Money section at CBS News, published a comprehensive guide on February 23, 2026, explaining how to purchase physical gold for retirement amid ongoing market volatility, changing interest rates, persistent inflation, and gold's impressive price performance over the past year. The article highlights that many near-retirement individuals are reconsidering diversification strategies and whether some retirement assets should exist outside the traditional financial system. As a result, physical gold has reemerged as an attractive option for portfolio stabilization. Leicht explains that the most straightforward method to incorporate physical gold into retirement is through a self-directed gold IRA, which differs from traditional IRAs by allowing investors to hold IRS-approved physical gold in a tax-advantaged account. This requires working with a specialized gold custodian who facilitates purchases through licensed dealers, with the gold meeting minimum purity standards of 99.5% and being stored in an IRS-approved depository. For those not using retirement accounts, physical gold can be acquired directly through dealers, banks, or online platforms, with coins offering greater flexibility for smaller sales and bars typically providing lower per-ounce premiums for larger quantities. Financial experts generally recommend allocating between 5% and 10% of a portfolio to gold, emphasizing the importance of deliberate positioning rather than reactive decisions based on market headlines.
🏷️ Themes
Retirement planning, Investment diversification, Precious metals investing
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Original Source
Sponsored Gold IRA How to buy physical gold for retirement in 2026 We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. By Angelica Leicht Angelica Leicht Senior Editor, Managing Your Money Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications. Read Full Bio Angelica Leicht February 23, 2026 / 6:01 PM EST / CBS News Add CBS News on Google Gold tends to find its way into retirement conversations for a simple reason: It behaves differently than stocks and bonds when the economy shifts. And, with markets swinging, interest rates still reshaping portfolios and inflation refusing to fully fade from the picture, many people who are nearing retirement right now are taking a fresh look at what diversification actually means for their long-term security — and whether some of their retirement investment assets should live outside the traditional financial system. That shift in thinking, coupled with gold's impressive price trajectory over the last year, has pushed physical gold back into the spotlight for retirees. Tangible gold coins and bars you can actually own can be a smart addition to a retirement portfolio right now. For some investors, the appeal is being able to hold a physical asset, and for others, it's strategic, driven by concerns about currency risk, policy uncertainty or how their portfolio might behave in the next major market shock. But if you want to own physical gold in retirement, there are real decisions to make and real costs to understand before you commit and buy in. So, how exactly should you buy physical gold for retirement this year? That's what we'll outline below. Start adding gold bars and coins to your retirement portfolio now . How to buy physical ...
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