Rosland Capital is a gold IRA company with competitive pricing for fee-conscious investors. You can buy physical gold directly or invest in an IRA. However, potential investors may find its old-fashioned website off-putting.
Business Insider's personal finance team compared Rosland Capital to the best gold IRAs and found it to be an industry leader for flat rate fee structure and portfolio flexibility.
Pros and Cons
Rosland Capital Pros
- Low minimum balance requirement of $2,500
- Flat rate fees
- Exclusive specialty coins available
- No fees when buying back precious metals
Rosland Capital Cons
- Not a lot of information about the company on the website; it is more product-focused
- Must call to open an account
- No mobile app
Open an Account
$2,500
$50 one-time set-up fee, $125 annual maintenance fee, a storage fee of $100 or $150, and a $60 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
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 an 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 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. While some gold companies charge a fee to buy back gold from customers, Rosland charges a commission only when selling items.
Rosland Capital offers educational resources including guides, a free gold kit, and helpful videos. It frequently collaborates with outside organizations, such as sports teams, to offer exclusive specialty coins.
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. Aside from pricing, Rosland is not significantly different from other gold IRA companies.
Rosland Capital provides high-quality customer support that aims to educate customers on gold investing. Precious metal specialists are available via phone or email Monday through Friday from 7 a.m. to 6 p.m. PST.
Though the company was founded less than 20 years ago, the website feels antiquated and cluttered. This doesn't make the company less trustworthy, but would-be investors may feel more reassured with a company that does more outreach and is easier to research. On top of that, the fees listed in the FAQ section on Rosland Capital's website are outdated and haven't been updated since March 2022.
Ways to Invest
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. If you opt to hold physical metals, you will be asked to fund the account via rollover (in the case of an IRA) or with a check or wire transfer.
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.
There are several options available to prospective investors, including precious metal bars and a wide range of premium and exclusive coins.
The representatives at the company strongly encourage you to open an IRA via rollover, which requires a $10,000 minimum.
For each $20,000 in qualified purchases (up to $300,000 in purchases), new customers receive free gold and silver assets valued at $1,000 (up to $15,000 in free precious metals). This offer ends June 30.
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 and 2025, IRAs of any type have a contribution limit of $7,000 for those under the age of 50 and $8,000 for those ages 50 and up. Opening a new gold IRA does not increase your contribution limit.
Buying Physical Gold Directly with Rosland Capital
If you want to own gold outside an IRA, Rosland Capital allows investors to purchase precious metals directly, to be shipped to their homes.
Rosland has a large inventory, including exclusive branded items like PGA Tour Coins and Formula 1 Championship coins.
The Formula 1 Coin Collection is a gold and silver collection celebrating prestigious motor racing events worldwide, such as the Formula 1 World Championship. The coins feature all the scheduled motor racing events from 2016 to 2024.
This option requires a minimum purchase of $2,500, a $49 shipping fee that can be waived with a larger purchase amount, and commission fees, which can vary.
Another Rosland Capital exclusive collection is the PGA TOUR Coin Collection, a collection of gold and silver coins honoring professional golf. Featured coins celebrate the 2017 Presidents Cup and a series of golfers.
Fees
Rosland Capital has a minimum purchase requirement of $2,500.
According to Rosland Capital's website, there are no fees for establishing an IRA account. However, Equity Institutional, the IRA custodian, does charge fees. The IRA fees listed on Rosland's website are outdated.
Here's what we found on Equity Institutional's website:
- One-time $50 setup fee
- $125 annual maintenance fee
- $100 to $150 storage fee, depending on the type of storage chosen
There is also a $60 annual fee for customers who prefer paper statements, though electronic statements are free of charge.
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.
Trustworthiness
The Better Business Bureau has given Rosland Capital LLC an A+ rating. BBB ratings range from A+ to F and reflect the bureau's opinions of a company's customer-compliant history, business practices, and advertising and licensing information. Rosland's A+ is the highest possible rating.
Rosland is also a BBB-accredited business, meaning it meets the BBB's standards of trustworthiness for transparency, integrity, and responsiveness.
Rosland Capital is free of recent lawsuits or scandals.
Alternatives
American Hartford Gold
$5,000
$230 application fee and $200 annual fee for storage, insurance, and custodian services
- Invest in gold, silver, platinum, and palladium coins and bars
- Competitive gold selection
- Supports rollovers from traditional IRAs, Roth IRAs, thrift savings plans, 401(k)s, 403(b)s, and 457 plans
- Buyback commitment with no liquidation fee
- Free consultations are available
- Some fees can be waived with larger opening deposits
- Fees are not easily found on the website
- High minimums to make purchases: $5,000 in a cash account and $10,000 in a gold IRA
- You might be able to waive fees with a large opening deposit, but you must talk to a rep about your situation to find out
American Hartford Gold is perhaps best for investors who want to convert significant portions of their retirement assets to gold or other metals, as larger sums can qualify for certain fee waivers with AHG. For those who may be on the fence about investing in gold, want to find more educational resources, or prefer a more digital and automated experience, there are better options available.
American Hartford Gold- Open a cash account or gold IRA with American Hartford Gold
- Hold precious metals in your IRA and hold them in a storage facility; precious metals are shipped to your home with a cash account
- With the buyback commitment, AHG doesn't guarantee it will buy back your metals — but if it does, it will arrange payment/shipping and not charge any transaction fees
- Call AHG to open an account, or use an online form to open a gold IRA
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.
AHG provides regular updates on the status of your precious metals, such as the current value of your assets. Rosland Capital does not offer this feature.
AHG charges higher fees than Rosland Capital. However, if you have a large opening deposit, speaking with a representative over the phone might be able to reduce or waive your fees. AHG may be the more affordable option if you have a large account balance. Otherwise, Rosland Capital is cheaper.
Lear Capital
$5,000
One-time $280 setup fee and $200 annual fee; free set-up and storage for certain users investing in limited mintage coins
- Gold IRAs and silver IRAs available
- Free IRA set-up and storage (for qualifying purchase amounts of limited mintage coins)
- Offers precious metal analyzer, portfolio comparison calculator, inflation calculator, and more
- Mobile apps for iOS and Android devices
- High set-up fees
Lear Capital offers both an IRA gold investment and silver IRA option, and you can take advantage of free IRA setup and storage
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 setup and storage and a 24-hour risk-free purchase guarantee, among other benefits.
Compared to Rosland Capital, Lear is slightly more transparent in the account opening process and fees, which can be found quite easily on the FAQ section of its website. However, Rosland Capital's gold IRA is more affordable and has lower setup fees, making it a stronger choice for fee-conscious investors.
However, Lear comes out on top, offering more perks and resources overall. Features available on Lear Capital not found on Rosland Capital include a price match guarantee, multiple precious metal tools and analyzers, and no-fee buybacks. Lear's website also provides more information, an online chat function, and is easier to navigate.
Why You Should Trust Us
We evaluated Rosland Capital using Business Insider's methodology for rating investing platforms. We examined fees, customer service experience, and investment options and rated them on a scale of 1 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 | 4.50 |
| Security | 4.50 |
| Ethics | 5.00 |
| Access | 3.50 |
| Fees | 4.00 |
| Investment selection | 4.00 |
| Overall score | 4.25 |
FAQs
Is Rosland Capital a legitimate company?
Rosland Capital is a legitimate company that invests in precious metals, including gold, silver, platinum, and specialty coins. Both beginners and experienced investors can diversify their portfolios with Rosland Capital. However, the firm lacks trading tools and features.
How does Rosland Capital differentiate itself from other precious metal dealers?
Rosland Capital differentiates itself from other precious metal dealers through its best feature: its strong customer service. Rosland also frequently collaborates with outside organizations to offer exclusive specialty coins.
What are the fees and pricing like with Rosland Capital?
Rosland Capital fees and pricing include a required $2,500 minimum purchase. There's a one-time $50 setup fee and a $125 maintenance fee.
Can Rosland Capital assist with setting up a Precious Metals IRA?
Rosland Capital can help investors set up a Precious Metals IRA and walk them through the steps via email or phone. To streamline the sign-in process, Rosland Capital works with IRA custodians who specialize in managing precious metals.
How do customers rate their experience with Rosland Capital?
Rosland Capital has received overwhelmingly positive customer feedback due to the company's knowledgeable staff, educational resources, and quality of products. However, like any business, there are mixed reviews from individuals who had bad experiences with Rosland Capital.
