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For investors in their 50s and 60s, most of their net worth is often held in tax-advantaged accounts tied directly to Wall Street.

Vanguard’s Retirement Outlook 2025 found that defined contribution plans and IRAs now account for a large portion of American households’ retirement wealth, with equity exposure dominating many portfolios. At the same time, surveys by BlackRock and State Street show that early retirees remain concerned about market volatility and inflation eroding their standard of living.

People feel overexposed to stocks and bonds, but are hesitant to write new checks to buy hedges like physical gold.

Preserve the gold fits this gap by focusing on self-directed 401(k) and IRA to IRA Gold transfers. Instead of asking a retiree to come up with cash, the company helps reallocate part of an existing tax-advantaged account into IRS-approved gold and silver, with a custodian.

For new customers who complete a qualifying purchase, Preserve Gold is offering up to $20,000 in additional gold and silverplus free insured shipping and, in some cases, a free home safe.

Preserve Gold works with IRA custodians who can waive or discount multi-year account setup and storage fees on larger balances, and doesn’t add additional fees beyond normal metal price differentials. It also offers a no-fee buyback policy, so customers can resell metals at market prices without additional transaction fees, helping to reduce the worry of being stuck in an illiquid position.

The Employee Benefit Research Institute’s Retirement Confidence Survey shows that about two-thirds of workers and retirees are at least somewhat concerned about the impact of inflation on their savings, and many report adjusting their portfolios in response to market changes. Similarly, TIAA data from 2025 indicates that nearly two-thirds of Americans are not sure they will be able to retire on time, with the risk of sequence of returns in the years around retirement a key concern.

In this context, allocating physical metals from a large retirement account with a large amount of stocks is often framed as a diversification move rather than a directional bet on gold.

Preserve Gold is a family-owned precious metals dealer and its representatives spend time guiding clients through custodian selection, transfer procedures and IRS rules for self-directed IRAs.

Their current promotion changes the math on frictions that sophisticated investors usually examine. Adding up to $20,000 in free metals on qualifying purchases and offering discounted or waived custody/storage fees on larger accounts, Preserve Gold offers investors a way to use part of an existing 401(k) or IRA to buy metals while offsetting some of the costs that have historically made Gold IRAs unattractive.