More Metal, Less Hype, Zero Premiums.
OWNx brings you the best Precious Metals IRA with zero premiums and no minimum investment.
Setup and trading are simple through our online dashboard, and unlike most gold and silver IRAs, our fractional investing approach allows you to buy metal by weight, ensuring you get more metal for your money.
Get started by clicking the button below or fill in the form to learn more about how precious metals IRAs can help you reach your financial goals.
Get StartedSee the fee schedule
Trusted by thousands
- $249 annual maintenance fee
- 0.5% storage per year
- $0 minimum investment
- 0% premiums, EDGE included
What is a Precious Metals IRA?
A Precious Metals IRA (Individual Retirement Account) is a specialized type of IRA that allows investors to hold precious metals such as gold, silver, and platinum within the account. This type of IRA is governed by the same rules and regulations as traditional IRAs, but it provides investors with an alternative investment option beyond traditional stocks, bonds, and mutual funds.
Investors interested in diversifying their retirement portfolios and including tangible assets like precious metals often consider Precious Metals IRAs as part of their overall investment strategy.
Advantages of a Precious Metals IRA
Investing in precious metals can offer significant benefits for your retirement. From tax advantages to wealth preservation, these assets can enhance your financial portfolio. Understanding these key benefits will empower you to make informed decisions about your financial future.
Tax Benefits
With a Precious Metals IRA, you may enjoy tax-deferred growth. This means your investments could grow without being taxed until withdrawal.
Portfolio Diversification
Adding precious metals to your portfolio can provide stability and minimize risk during market volatility.
Wealth Preservation
Precious metals can act as a hedge against inflation and currency fluctuations, helping to protect your wealth for the long term.
Accessibility
With flexible investment options and no minimums, everyone can participate in precious metals investing, regardless of their experience.
Why an OWNx IRA?
Low fees, and all IRA and non-IRA trades occur at cost. No games, no premiums. Just buy at the ask, sell at the bid.
Online trading of physical metal (similar to equities)
Fractional ownership of low-cost large bars
0% premiums (that means zero!)
Technology integration with custodian
Complete the custodian IRA application online through your OWNx dashboard
OWN more ounces of gold and silver for your money
A Smarter Way to Invest
Most precious metals IRA companies make investing complicated and expensive. They require lengthy phone calls, force you to buy high-premium coins, and give you no control over your investments once they’re made.
We built OWNx differently. Since 2008, we’ve developed a digital platform that lets you buy precious metals at cost with zero premiums. You get more metal for your money and complete control through our simple dashboard.
Our technology solves the problems other companies create: instant setup, transparent pricing, and the ability to buy and sell whenever you want.
Quick Setup
Create your account and start trading in minutes through our online dashboard – no lengthy phone calls required.
Simple Fees
Just $249 annual fee plus 0.5% storage. No hidden costs, setup fees, or premium markups over spot price.
Tax Advantages
Enjoy traditional IRA tax deferrals or Roth IRA tax-free growth while holding physical precious metals.
Zero Premiums
Buy at ask, sell at bid with no markup over spot price. Get more ounces for your investment dollars.
Fractional Investing
Own precise weights of gold and silver through fractional shares of large bars, maximizing metal per dollar invested.
Easy Management
Buy, sell, and rebalance your precious metals holdings through your secure online dashboard.
How Does OWNx IRA Compare?
We designed the OWNx Precious Metals IRA to be the best-value gold IRA on the market. With no minimum investment, zero premiums, more metal options and the ability to invest fractionally in larger bars, our IRA gives you more metal for your money and fewer restrictions overall.
| Attributes | OWNx | Traditional gold IRA dealers |
|---|---|---|
| Minimum Investment | No minimum | Often required |
| Metals Offered | Gold, silver, platinum | Varies by dealer |
| Setup / Maintenance Fees | $249 annual maintenance fee | Setup and annual fees vary by dealer |
| Storage Fees | 0.5% per year, assessed monthly as 0.0416% from your metal balance. No minimums. | Varies |
| Added Premiums | 0% over cost | A premium over spot that varies by dealer and product |
| Non-IRA metal premiums | 0% over cost with OWNx EDGE | A premium over spot that varies by dealer and product |
| Investment Process | Digital-first approach, quick setup through online dashboard, immediate access to trading | Often phone-based setup, guided by specialists |
| Unique Features | Fractional ownership, automated purchasing options, zero-premium policy | Varies by dealer |
The right-hand column describes common practice, not any one dealer. Check each provider’s own fee schedule before deciding.
Side-by-side comparisons: American Hartford Gold, Augusta Precious Metals, Lear Capital, Birch Gold Group
Getting Started with an OWNx IRA
Five steps, all online. No phone calls required.
Step 1: Create an account with OWNx
Open a free account in minutes.
Step 2: Fill in the IRA application
Step 3: Pay the annual service fee of $249
Step 4: Once approved, you can initiate a transfer, rollover, or contribution.
Step 5: Once funded, you can buy and sell precious metals through your OWNx IRA.
Reviews from our customers
4.7/ 5 on Trustpilot
110 reviews · as of October 6, 2026
OWNX customer support has always been responsive and helpful. I’ve had no doubt that my metals are secure. Recently, they facilitated the easy migration of my precious metals IRA account from one custodian to another.
Brandon 5 of 5 · Trustpilot
This company and platform is the easiest to navigate through. When ever I had a issue with delivery the customer service was fantastic in finding the issue and replacing the item. I really like the auto buy feature and use it regularly. I have already told others of the company who have joined.
John 5 of 5 · Trustpilot
I have found OWNx response, helpful when I needed it, and kind to my mistakes. Their service is quick and efficient in that I have never felt slighted nor uncomfortable having them watching over my investments.
Leland 5 of 5 · Trustpilot
More reviews
I’ve been using this platform for many years! And currently I’m helping my dad purchase gold and the customer service is always fast and helpful. The platform works very well. And is clear and easy to understand and the options are diverse! Highly recommend I’m very satisfied and have been a user for at least 5 years! Good job ya’ll
SpiritHoods 5 of 5 · Trustpilot
An easy way to save precious metals, gold and silver. A monthly auto save plan mounts to a treasure. Also such an easy way to turn it back into cash or ship it to me direct makes OWNx my choice for over 10 years.
Jack 5 of 5 · Trustpilot
I recommend OWNx to anyone who is searching for a very convenient, secure and cost-effective way of buying and storing precious metals. Their staff is very customer focused, responsive and does frequent outreach to offer new ways to enhance our relationship. Thanks to OWNx from one of your satisfied customers.
NJ Borris 5 of 5 · Trustpilot
FAQs
Fees are published in full in the OWNx IRA fee schedule below.
Is there a Roth component to the Precious Metals IRA?
Yes, Roth IRAs are allowed.
Can I store gold, silver, and other precious metals in my OWNx IRA at home?
It is not possible to store your precious metals at home with any gold, silver, or precious metals IRA option.
What is IRA-approved gold?
To be eligible, gold items must meet certain purity standards.
The OWNx platform enables you to own gold and silver in the form of fractional ownership of IRA-approved large bars. The benefits of this are the ability to:
- Buy and sell gold and silver instantly within your IRA,
- Obtain metal at the lowest possible price, and therefore
- Maximize the number of ounces you hold.
Which gold IRA company should I choose?
First, it’s worth asking what you are looking for in a gold IRA company. If you want to compare the best gold IRA companies side by side, start with our ranking. With the technology available today, you now have the ability to manage your physical gold and silver assets with nearly the same liquidity as stocks and bonds. Also, the company that provides you with your metal and the IRA custodian must have a solid working relationship.
That said, when looking for reputable gold IRAs, silver IRAs, or precious metals IRAs, you need to make sure both companies have a good track record for transparency, customer satisfaction, and adherence to IRS regulations. OWNx has done the vetting for you and found a partner who meets all the criteria.
What's the difference between a precious metals IRA and a conventional IRA?
The main difference lies in the assets they hold:
Conventional IRA: Contains paper assets like stocks, bonds, and mutual funds. Subject to stock market volatility.
Precious Metals IRA: A self-directed IRA that holds physical precious metals (gold, silver, platinum). Offers protection against inflation and economic uncertainty, with values that move independently of stock markets.
Both provide tax advantages for retirement savings, but precious metals IRAs focus on tangible assets for diversification and stability, while conventional IRAs follow traditional market-based investments.
| Criteria | Precious Metals IRA | Conventional IRA |
|---|---|---|
| Type of Assets | Physical precious metals (gold, silver, platinum) | Stocks, bonds, mutual funds |
| Protection Against | Economic uncertainties, inflation, currency devaluation | Market performance |
| Asset Tangibility | Tangible assets stored in IRS-approved depositories | Electronic/paper assets |
| Diversification | Independent of stock market trends | Correlated with stock market trends |
| Initial Investment Cost | Potentially higher due to physical metal prices | Typically lower |
| Storage Fees | Yes, for storing precious metals in approved depositories | No |
| Tax Advantages | Yes, based on IRS guidelines for precious metals | Yes, based on IRS guidelines |
What does a precious metals IRA cost with OWNx?
$249 a year, flat. That covers a Traditional or Roth precious metals IRA, and it does not scale with your balance. Storage inside the IRA is 0.5% a year, assessed monthly. There is no account minimum, so the account works the same whether you are rolling over $5,000 or $500,000.
Is there a minimum investment for an OWNx IRA?
No. There is no minimum to open or to fund a precious metals IRA with OWNx. Most gold IRA providers set a floor between $10,000 and $50,000 [source needed before launch], which prices out smaller rollovers entirely.
What am I actually paying for with a gold IRA?
Three things, and only the first two are usually disclosed clearly. There is the annual custodian and storage fee, there is the dealer’s premium on the metal itself, and there is the spread when you sell. The premium is where most of the cost hides, because a flat annual fee means little if you are paying a large markup over spot to get in.
OWNx charges no premium at all inside the IRA. You buy at the ask and sell at the bid, at cost.
Can I move an existing 401(k) or IRA into physical metals?
Yes. You open an OWNx IRA, pay the $249 annual fee, then initiate a transfer, rollover, or contribution. Once the account is funded you can buy gold, silver, and platinum inside it. The metal is held as fractional ownership of IRA-approved large bars, which is how you get more metal per dollar than buying coins.
Rules around rollovers depend on your circumstances, so please consult a tax professional before moving retirement funds.
OWNx IRA Fee Schedule
| Fee | Amount |
|---|---|
| IRA annual maintenance feeBilled for each IRA | $249 |
| Storage FeesAssessed monthly as 0.0416% from your metal balance. No minimums. | 0.5% per year |
Fees That Are Easy to Avoid
| Fee and how to avoid it | Amount |
|---|---|
| Paper Statement FeeAvoid by setting up your IRA Custodian portal account and selecting paperless | $75 per year |
| Paper Bill Pay or DistributionAvoid by submitting through your IRA Custodian portal | $15 each |
| Wire Transfer FeeSelect check processing to avoid | $30 each |
| Cashier’s Check, Certified MailSelect regular check to avoid | $30 each |
Other Fees (Rare Occasions)
| Fee | Amount |
|---|---|
| Overnight Mail | $50 each |
| Express Transfer Processing (Reviewed same day) | $75 each |
| Expedited Process Service | $75 each |
| Special Document Processing | $10 each |
| Miscellaneous Activity Request | $75 / hour |
| Special Handling Fee | $25 each |
| Foreign Currency Fee | $100 annually |
| Stop Payment, Return Check Fee | $30 each |
| In-Kind Distribution or Transfer Out | $50 per transaction |
| Account termination fee | $250 |
Open a precious metals IRA with zero premiums.
$249 a year, 0.5% storage, no minimum investment, and OWNx EDGE included.