What percentage of $1,000,000 should be in gold?

For a $1,000,000 portfolio, most retirement-focused advisors recommend a 10–20% gold allocation, or roughly $100,000–$200,000. The exact figure depends on your time horizon, other inflation hedges (TIPS, real estate), and overall risk tolerance.

Are Gold IRA fees worth it for $1,000,000?

Annual Gold IRA fees typically run $180–$250 (admin) plus $100–$150 (storage). On a $1,000,000 portfolio that's roughly 0.03% per year — well below typical 401(k) plan costs. Use our free Fee Calculator to model your specific custodian.

How long does it take to roll over $1,000,000 into a Gold IRA?

Trustee-to-trustee transfers typically settle in 7–14 business days. Most providers can complete the entire process — paperwork, custodian setup, depository selection — within 2–3 weeks for a $1,000,000 rollover.

Will I owe taxes if I roll $1,000,000 from my 401(k) to a Gold IRA?

No — direct trustee-to-trustee rollovers are tax-free and penalty-free under IRC § 408(d)(3). The full $1,000,000 moves intact. You only owe income tax when you eventually take distributions in retirement.

What's the downside of a Gold IRA at the $1,000,000 level?

Three honest tradeoffs: (1) gold doesn't pay dividends or interest, so the opportunity cost is real if equities outperform; (2) annual fees are dollar-fixed, so they bite a higher % of smaller accounts; (3) liquidity is slower than ETFs — selling physical metals takes 1–3 days versus same-day for paper assets.

Can I add to my Gold IRA after the initial $1,000,000 rollover?

Yes — you can make annual IRA contributions ($7,500 in 1970, $8,500 if 50+) or roll over additional 401(k) balances later. There's no cap on rollovers from qualified retirement plans.

$1,000,000 Portfolio Guide · 1970

Best Gold IRA for a $1,000,000 Portfolio (1970)

Q: Which Gold IRA company is best for a $1,000,000 account?

For accounts at the $1,000,000 level, Augusta Precious Metals ($50,000 minimum) is the right starting point. At this account size, the right rollover structure can save five-figure tax bills — Augusta's coordination with outside advisors is one of their key differentiators.

Tier-specific provider rankings, recommended gold allocation, and a real-money breakdown for $1,000,000 retirement savers.

Reviewed by Gold IRA Blueprint Editorial TeamLast updated April 1, 2026

Quick Answer

For a $1,000,000 portfolio, the recommended Gold IRA allocation is 10–20% (≈ $100,000–$200,000). The top provider at this tier is Augusta Precious Metals — concierge service. tax advisor coordination, custom rollover strategy.

#1 Recommended

Augusta Precious Metals

$100k+ savers wanting white-glove service and education-first onboarding

BBB A+

✓Lifetime customer support assigned account rep
✓Zero high-pressure sales tactics — Harvard-educated economist on staff
✓Rated #1 by Money Magazine, Investopedia, and Forbes 4 years running

Honest limitation: $50,000 minimum rules out smaller starter accounts — not the right fit if you have under $50k in retirement savings.

Get the Free Guide

$50,000 minimum · ★ 5 (1,100+ reviews)

Recommended Allocation for $1,000,000

Equities

60%

$600,000

Bonds / Fixed income

25%

$250,000

Gold IRA

20%

$200,000

Sample allocation. Actual percentages depend on age, income, time horizon, and risk tolerance. Educational, not financial advice.

Why Augusta Precious Metals for $1,000,000

At $1,000,000, Augusta Precious Metals provides concierge-level service including coordination with your tax advisor, customized rollover strategy across multiple source accounts, and direct involvement from senior leadership. At this account size, the right rollover structure can save five-figure tax bills — Augusta's coordination with outside advisors is one of their key differentiators.

✓Lifetime customer support assigned account rep
✓Zero high-pressure sales tactics — Harvard-educated economist on staff
✓Rated #1 by Money Magazine, Investopedia, and Forbes 4 years running

Honest limitation: $50,000 minimum rules out smaller starter accounts — not the right fit if you have under $50k in retirement savings.

Recommended next step

Get Augusta's free 2026 Gold IRA Guide

Free educational kit + 1-on-1 web conference with Augusta's Harvard-trained economist. No obligation.

Get the Free Guide

BBB A+★ 5 (1,100+ reviews)13+ yrs in business$50,000 minimum

All Top Gold IRA Companies Compared

Rank	Provider	Min	BBB	Best For	Get Info
#1	Augusta Precious Metals ★ 5 · 13 yrs	$50,000	A+	$100k+ savers wanting white-glove service and education-first onboarding	Free Kit
#2	Birch Gold Group ★ 4.8 · 22 yrs	$10,000	A+	Accounts under $100k that need an accessible entry point with strong education	Free Kit
#3	Goldco ★ 4.8 · 19 yrs	$25,000	A+	Mid-range investors who value fast setup and the up-to-10% free silver promotion	—
#4	American Hartford Gold ★ 4.9 · 10 yrs	$10,000	A+	Cost-sensitive savers under $100k who want low fees and an easy online setup	—
#5	Advantage Gold ★ 4.9 · 12 yrs	$5,000	A+	Beginners — $5,000 minimum is the lowest of any major Gold IRA company	—

Rankings reflect editorial review of BBB rating, minimum, fees, customer reviews, and time in business. Last updated April 2026.

Run Your Own Numbers

Fee Calculator

Model fees on $1,000,000

Diversification Checker

Compare to expert benchmarks

Crash Calculator

See 2008-style downside

FAQs — Gold IRA at $1,000,000

Sources & References

IRS — Publication 590-A and 590-B
IRC § 408(m)(3) — IRS-approved precious metals for IRAs
Money.com, Fortune, CNBC Select — Gold IRA company reviews (1970)
BBB.org — A+ rating verification for listed providers

Recommended next step

Get Augusta's free 2026 Gold IRA Guide

Free educational kit + 1-on-1 web conference with Augusta's Harvard-trained economist. No obligation.

Get the Free Guide

BBB A+★ 5 (1,100+ reviews)13+ yrs in business$50,000 minimum

Augusta Precious Metals

Recommended Allocation for $1,000,000

Why Augusta Precious Metals for $1,000,000

Get Augusta's free 2026 Gold IRA Guide

All Top Gold IRA Companies Compared

Run Your Own Numbers

FAQs — Gold IRA at $1,000,000

Should I open a Gold IRA with $1,000,000?

What percentage of $1,000,000 should be in gold?

Which Gold IRA company is best for a $1,000,000 account?

Are Gold IRA fees worth it for $1,000,000?

How long does it take to roll over $1,000,000 into a Gold IRA?

Will I owe taxes if I roll $1,000,000 from my 401(k) to a Gold IRA?

What's the downside of a Gold IRA at the $1,000,000 level?

Can I add to my Gold IRA after the initial $1,000,000 rollover?

Sources & References

Get Augusta's free 2026 Gold IRA Guide