Rosland Capital vs Lear Capital vs Goldco | Side by Side Comparison

*The owners of this website may be paid to recommend some precious metals companies. The content on this website, including any positive reviews of these companies and other reviews, may not be neutral or independent.

I’ve covered a lot of ground in the Gold IRA department, and for good reason. Investing in gold can be a great hedge against inflation and help diversify your portfolio in uncertain economic times.

In this article I’ll compare Rosland CapitalLear Capital, and Goldco to determine which is the better Gold IRA company. If you still have questions, be sure to check out the individual reviews I’ve already written, and the review of the absolute Best Gold IRA companies out there.

What All Three Do Well 

Before we go forward, I should note that there are some very important functions that all three companies perform very well. Without these basic services, I wouldn’t even bother writing reviews of these companies.

Not only can Lear, Rosland, and Goldco meet your needs in these areas, they can exceed your expectations.

Setting up Your IRA

Contacting any of these companies can be the first step to setting up a secure Precious Metals IRA. If you’re worried about tying up your assets in another IRA account, Goldco does have an industry leading buy-back rate, which you can read more about in my review of their company.

Buying Physical Gold and Silver

If you want the added security of purchasing gold or silver that you can possess in your own home or safety deposit box, all three companies also have physical coin and bar options. I will note that some for sale at Lear Capital don’t have the prices listed on the website.

IRA and 401(k) Rollovers

Many folks want to invest in precious metals as diversification, and if that’s the case for you, then Rosland, Lear, and Goldco can help you transfer some or all of your existing IRA account into a Gold IRa. Goldco seems to make this process the easiest, however, and Rosland Capital doesn’t offer a lot of information upfront about this service.

Before we continue...

We have worked very hard to review, research and reveal the most important pieces of information that investors need to know before investing their money. We have been able to narrow a list down to the top 5 gold IRA companies.

I recommend you check the list before proceeding with any IRA transfer.

Quick answer: Augusta Precious Metals is our #1 recommendation for multiple reasons, including their
A+ BBB rating, thousands of top rankings, and Money magazine’s selection of them as “Best Gold IRA Company.” PLUS, they will pay all custodial and storage fees for up to 10 years!

What Each One Does Best–that the Other Two Don’t

Now we come to the meat-and-potatoes of the review. It’s nice to know that all three can help with IRAs, Rollovers, and Physical Gold purchases. But now we’ll start to see how each of them separates themselves.

Rosland’s Biggest Pro and Con

Perhaps the biggest thing that sets Rosland apart is their promotional and special products lines. But this is also their biggest drawback. They are always innovating new and eye-catching products and packages to appeal to the first-time consumer.

There is a downside to this, though. Some of their products are novelty coins, that aren’t IRS approved for an IRA, and aren’t legal tender in any way. That means that while you are receiving .9999 fine gold, you cannot store it in a retirement account, and you cannot spend it.

Some of their specialty coins include Formula One, PGA, and British Museum coins that are available nowhere else. In addition, on their website as of this writing, they are offering a free $1,000 in gold for every $20,000 purchase. 

Again, this is a big Pro, but the Con is the fine print on this offer: this free $1,000 is not legal tender, and Rosland won’t buy it back or take it in trade if you’re not satisfied with the coins they send, which means the $1,000 is probably novelty coins that aren’t legal tender.

You can read my full Rosland Capital review to learn more.

Lear Capital’s Biggest Pro and Con

Lear Capital has been in the Gold IRA market for over twenty years, and they’ve developed a stellar reputation for great customer service. One of the things I like best about their IRA program is that they will cover storage and maintenance fees for certain packages, in some cases for up to three years.

That means that investing a substantial portion of your IRA or 401(k), anything over $75k, they will send you a reimbursement check for all of your storage fees. In addition to that, their yearly fees, through affiliates, are only $200, or less than $20 a month.

Another thing I like about Lear is that they know not everyone is in a position to invest that much, but they still want to help out. With any investment over $10k, Lear Capital will cover your set-up fee.

Lear Capital’s biggest Con is their pricing for certain coins: it’s simply not available unless you call. They are working on this, however, and have a Smart Tools app that you can download right to your phone. You can also read more about Lear Capital in my review of them.

What Makes Goldco Special

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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