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Rosland Capital review

Rosland Capital review

Moneywise.com / Moneywise.com

🗓️

Updated: May 31, 2024

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Rosland Capital was founded in 2008 to sell precious metals and serve as an information source. It offers a gold IRA and physical precious metals to buy and offers a full range of options, including exclusive licensed coins and a choice of gold, silver, platinum and palladium investments. 

What we think of Rosland Capital

Rosland Capital is ideal for investors looking for flexibility. The dealer offers a broader range of metals than many competitors who stick to gold and silver. You can also purchase precious metals within a gold IRA from Rosland Capital or buy physical metals and have them sent to you for an additional shipping charge. 

Rosland's gold IRA fees are cheaper than those of some dealers, and the company also has a low minimum purchase requirement. These factors combine to make it perfect for beginners or those without a fortune to invest. 

Rosland Capital's commitment to its customers is not just words, but it's evident in its free product offerings with some purchases. This value-added service, along with its top grade and stellar reviews from the Better Business Bureau (BBB), instills confidence in potential investors. It's a clear indication that Rosland Capital values its customers and is committed to providing the best investment experience, setting it apart from competitors with lower BBB scores. 

Unfortunately, no mobile app exists and you must speak with a representative to open an account. This is a significant downside for those who prefer a digital experience.

Pros and cons of Rosland Capital

Pros

Pros

  • Setup and maintenance fees for a gold IRA are cheaper than many competitors

  • A $2,000 minimum purchase requirement is lower than many dealers, some of which require as much as $50,000 to open a gold IRA

  • Rosland Capital earned an A+ rating and great reviews from the BBB including 4.82 of 5 possible stars among more than 300 reviews

Cons

Cons

  • You can't open an account online or without speaking to a representative available only during business hours

  • There's no mobile app

  • The spread (commission or markup) charged to customers may be higher than the typical markup for some transactions

Rosland Capital IRA

Rosland Capital's gold IRA allows you to invest in precious metals within a tax-advantaged account. 

Gold IRAs must be established by IRS-approved custodians, and gold must be stored in an approved depository. Rosland Capital facilitates this process, pairing you with Equity Capital as your custodian. 

Rosland Capital also sells a variety of IRS-approved coins and helps you find the right ones, as not all gold coins are eligible for purchase in IRAs.

Available IRA accounts:

With Rosland Capital, you'll have a choice of a traditional or Roth IRA, with the former allowing tax deductions for contributions and the latter allowing tax-free withdrawals in retirement. Available IRA options include:

  • Traditional
  • Roth
  • SEP

Types of gold you can purchase:

The IRS sets specific requirements for the types of gold you can hold in an IRA. These relate to purity levels, packaging, weight specifications and the manufacturer of coins, rounds or bars. IRS approved coins available through Rosland Capital include:

  • American Eagle gold coin
  • American Eagle platinum coin
  • American Eagle silver coin
  • Gold American Buffalo
  • Gold Australian Kangaroo
  • Gold Australian Swan
  • Gold Britannia
  • Gold Canadian Maple Leaf
  • Gold Chinese Panda
  • Gold Mexican Libertad
  • Gold Somalia African Elephant
  • Gold Vienna Philharmonic
  • Maple Leaf palladium coin
  • Proof Gold American Eagle

Rosland Capital gold IRA fees

Rosland Capital does not charge a fee for establishing an IRA but pairs you with Equity Institutional, which does impose charges. However, the set-up and maintenance fees assessed are still below some competitors. Unfortunately, Rosland has a broader spread than many other dealers and charges a higher-than-average markup for some products.  

Here are the fees Rosland Capital charges:

  • Spread that ranges between 4% and 33% depending on transaction type, customer and metal type
  • One-time $50 set-up fee for IRA
  • $100 annual maintenance fee for IRA
  • $100 to $150 in storage fees per year
  • $40 paper statement fee (e-statements are free)

How to open a Rosland Capital IRA

You cannot open a Rosland Capital IRA online. You must call 1-866-942-2962 to speak with a representative. Here are the steps involved once you've spoken to customer service on the phone:

  1. 1.

    The representative will explain how the process works.

  2. 2.

    The representative will send you forms in the mail, including forms from Equity Institutional (the IRA custodian) and Rosland Capital's customer agreement.

  3. 3.

    You'll sign and complete your forms.

  4. 4.

    Equity will create an IRA for you and your Rossland Capital representative will create a Rosland account for you.

  5. 5.

    You'll fund your IRA either with a contribution or a rollover from an existing IRA.

  6. 6.

    You'll speak with a Rosland Capital representative to make a purchase and your representative will arrange for the precious metals you purchased to be moved to separate, secure storage in a Delaware depository.

At this point, you’ll have your IRA account with your gold investment and will pay storage and administration fees annually while hopefully watching your money grow.

Open a Rosland Capital account

Rosland Capital precious metals IRA

Rosland Capital also lets you buy other precious metals beyond gold in your IRA. This can include platinum or silver in approved forms. Rosland helps you identify which metals are allowed in IRAs, and a representative will work hand-in-hand with you to open your account and buy your desired assets. 

Fees:

  • Spread that ranges between 4% and 33% depending on transaction type, customer and metal type
  • One-time $50 set-up fee for IRA
  • $100 annual maintenance fee for IRA
  • $100 to $150 in storage fees per year
  • $40 paper statement fee (e-statements are free)

Types of metals you can purchase:

  • Platinum or silver, in coin, bullion or palladium bars

About the company: What is Rosland Capital?

Rosland Capital was founded in 2008 by Marin Aleksov, who brought with him 25 years of experience within the precious metals industry. The company is headquartered in Los Angeles but has branded companies in London, Paris and Germany. It has an A+ BBB rating and earned 4.1 out of 5 stars on Trustpilot.  

Is it safe?

Rosland Capital received an AAA Rating from the Business Consumer Alliance, is a National Coin Bullion Association member, and works with trusted third-party coin-grading services. The company itself is safe and trustworthy. 

However, investing in precious metals can present significant risk as past performance is not guaranteed for future returns, and market prices are often volatile. Before purchasing these speculative assets, it's essential to do your research and understand the risks. 

Is it legit?

Rosland Capital is a legitimate company with solid reviews and an established reputation as a precious metals dealer. 

Christy Bieber Freelance Writer

Christy Bieber a freelance contributor to Moneywise, who has been writing professionally since 2008. She writes about everything related to money management and has been published by NY Post, Fox Business, USA Today, Forbes Advisor, Credible, Credit Karma, and more. She has a JD from UCLA School of Law and a BA in English Media and Communications from the University of Rochester.

Disclaimer

The content provided on Moneywise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.