Gold Coins IRA: Which IRS-Approved Coins Qualify & How to Invest

What Is a Gold Coins IRA?

A gold coins IRA is a self-directed Individual Retirement Account (SDIRA) that holds IRS-approved gold coins and bullion instead of stocks or mutual funds. Under IRC §408(m), physical gold meeting minimum fineness requirements can be held in a qualified IRA.

Which Gold Coins Are IRA-Eligible?

IRS rules under IRC §408(m) require gold coins held in an IRA to meet a minimum fineness of 0.995 (99.5% pure). The American Gold Eagle is the sole legal exception — IRA-eligible despite being 0.9167 fine because Congress explicitly authorized it.

Gold Coins IRA: Pros and Cons

Understanding the advantages and considerations of investing in a gold coins IRA helps you make an informed decision for your retirement strategy.

Best Gold Coins for IRA in 2026

The best gold coins for IRA investing combine IRS eligibility, high liquidity, and competitive dealer premiums. Based on custodian data and investor preference in 2026:

Frequently Asked Questions

What Is a Gold Coins IRA?

A gold coins IRA is a self-directed individual retirement account that holds physical gold coins — and in some cases gold bars — instead of, or alongside, traditional paper assets like stocks and mutual funds. The IRS first authorized these accounts under the Taxpayer Relief Act of 1997, opening the door for Americans to use pre-tax or after-tax retirement dollars to own tangible precious metals inside a tax-advantaged wrapper.

Unlike a conventional IRA held at a bank or brokerage, a gold coins IRA requires three separate parties: a self-directed IRA custodian who administers the account and files IRS paperwork, a precious metals dealer who sources the coins at competitive prices, and an IRS-approved depository that stores your metals in an insured, segregated or commingled vault. You never personally take possession of the coins while they remain inside the IRA — doing so triggers immediate taxes and a 10% early-withdrawal penalty if you are under age 59½.

Gold coins IRAs come in two main tax structures. A Traditional Gold IRA uses pre-tax contributions, giving you a potential deduction today while deferring taxes until you take distributions. A Roth Gold IRA uses after-tax contributions; your gains grow tax-free and qualified withdrawals in retirement are completely tax-free. A third option — the SEP Gold IRA — is available to self-employed individuals and small-business owners, allowing higher annual contribution limits tied to business income.

The core appeal is straightforward: gold has historically maintained purchasing power over long periods, acts as a hedge against inflation and dollar debasement, and tends to move independently of equity markets. By holding gold coins inside a retirement account, investors combine those protective qualities with the same tax advantages they already enjoy on their 401(k) or Roth IRA.

Key Structural Requirements

• Must be titled as a self-directed IRA (SDIRA) — regular brokerages do not offer physical metal custody
• Requires an IRS-approved non-bank custodian such as Equity Trust, STRATA Trust, or GoldStar Trust
• Coins must meet IRS fineness standards and be stored at an approved depository (e.g., Brink's, Delaware Depository, International Depository Services)
• All purchases and sales flow through the custodian — you direct the trades but the custodian executes them
• Annual contribution limits for 2026: $7,000 (under age 50) or $8,000 (age 50+)

Which Gold Coins Are IRA-Eligible?

The IRS sets strict purity requirements for gold held inside a retirement account. Under IRC Section 408(m), gold coins must meet a minimum fineness of 99.5% (0.9950) pure gold to qualify for IRA inclusion. There is one notable exception: the American Gold Eagle, which is 91.67% pure (22 karat) but is explicitly approved by statute despite falling below the 99.5% threshold. Every other gold coin must hit the higher bar.

Approved Gold Coins for IRA

• American Gold Eagle (1 oz, ½ oz, ¼ oz, 1/10 oz) — 91.67% gold, IRS-approved by statute
• American Gold Buffalo (1 oz) — 99.99% pure, first 24-karat U.S. gold coin
• Canadian Gold Maple Leaf (1 oz, ½ oz, ¼ oz, 1/10 oz, 1/20 oz) — 99.99% pure
• Austrian Gold Philharmonic (1 oz, ½ oz, ¼ oz, 1/10 oz) — 99.99% pure
• Australian Gold Kangaroo/Nugget (1 oz, ½ oz, ¼ oz, 1/10 oz) — 99.99% pure
• British Gold Britannia (post-2013, 1 oz) — 99.99% pure
• Chinese Gold Panda (post-1982, 1 oz) — 99.9% pure
• South African Krugerrand — NOT IRA-eligible (91.67% gold, no statutory exemption)
• Collectible or numismatic coins — NOT IRA-eligible regardless of purity

The distinction between bullion coins and collectible (numismatic) coins is critical. Bullion coins are valued primarily by their metal weight and current spot price. Numismatic coins carry premiums based on rarity, historical significance, and collector demand — sometimes trading at 50% to 300% over spot. The IRS explicitly prohibits IRAs from holding collectibles under IRC Section 408(m)(2). Any dealer who tries to steer you toward rare coins for your IRA is either uninformed or acting in bad faith.

Gold bars and rounds are also IRA-eligible provided they are produced by a NYMEX- or COMEX-approved refiner, national government mint, or assay-approved manufacturer, and carry a minimum purity of 99.5%. Popular bar brands include PAMP Suisse, Credit Suisse, and Valcambi. Bars typically carry lower premiums over spot than coins — roughly 1% to 2% versus 3% to 8% for coins — making them attractive for larger purchases where per-ounce cost efficiency matters more than divisibility.

When in doubt, ask your dealer to provide the product's Certificate of Authenticity and confirm in writing that the item meets IRC 408(m) standards. Reputable custodians will also verify eligibility before executing a purchase inside your IRA.

How a Gold Coins IRA Works: Step-by-Step

Opening a gold coins IRA involves more moving parts than a standard brokerage IRA, but the process is well-established and typically takes one to three weeks from start to first metal purchase. Here is what each stage looks like in practice.

Step 1 — Choose a Reputable Gold IRA Company

Most investors work with a gold IRA company that bundles custodian referrals, metal sourcing, and storage arrangements into a single service. Leading providers include Augusta Precious Metals, Goldco, American Hartford Gold, Birch Gold Group, and Noble Gold Investments. These companies are not the custodian — they act as precious metals dealers and concierge services. Compare their setup fees, annual maintenance costs, coin premiums, and storage fees before committing.

Step 2 — Open a Self-Directed IRA

You (or the gold IRA company on your behalf) complete an account application with a self-directed IRA custodian. The application collects standard KYC information and asks you to designate beneficiaries. Account setup typically takes one to three business days and usually costs a one-time fee of $50 to $100.

Step 3 — Fund the Account via Transfer, Rollover, or Contribution

• Direct transfer: Move funds from an existing IRA directly to the new SDIRA custodian — no taxes or penalties, no 60-day deadline, unlimited transfers per year
• 401(k) rollover: If you have left a job, roll your old 401(k) into the SDIRA — no taxes if completed as a direct (trustee-to-trustee) rollover
• Indirect rollover: Funds sent to you first; you have 60 days to deposit into the SDIRA or the entire amount becomes taxable income plus a 10% penalty if under 59½
• New cash contribution: Up to $7,000 in 2026 ($8,000 if age 50+) from earned income — subject to income limits for Roth

Step 4 — Select and Purchase IRA-Eligible Gold Coins

Once funds clear (typically five to seven business days), you instruct the custodian to purchase specific IRA-eligible coins from your chosen dealer. The custodian issues payment, the dealer ships the coins directly to the IRS-approved depository — never to your home. A purchase confirmation and updated account statement reflect the new holdings.

Step 5 — Ongoing Management and Distributions

Your gold sits in the vault, insured and audited, while you monitor spot prices and your account statements. Required Minimum Distributions (RMDs) begin at age 73 for Traditional Gold IRAs. At that point you can either take an in-kind distribution (physical coins shipped to you), sell the coins and take cash, or sell a portion to satisfy the RMD while keeping the remainder in the IRA. Roth Gold IRAs have no RMDs during the account holder's lifetime.

IRS Rules and Tax Treatment for Gold Coins IRAs

The tax rules governing gold coins IRAs mirror those of conventional IRAs in most respects, but precious metal accounts carry a few additional compliance requirements that every investor should understand before opening an account.

Contribution Limits and Deductibility

For 2026, the annual contribution limit is $7,000 for investors under age 50 and $8,000 for those 50 and older (the $1,000 catch-up provision). These limits apply across all IRAs combined — Traditional, Roth, and SDIRA — not per account. Traditional Gold IRA contributions may be fully or partially deductible depending on your income and whether you or your spouse participate in a workplace retirement plan. Roth Gold IRA contributions are never deductible but grow tax-free.

The Prohibited Transaction Rules

IRC Section 4975 prohibits certain self-dealing transactions that could benefit you personally at the expense of the IRA. For gold investors, the most common violations are: (1) storing IRA gold at home or in a personal safe deposit box, (2) purchasing gold from yourself or a disqualified person (spouse, parents, children, business partners), and (3) using IRA-owned gold as collateral for a personal loan. Violating these rules results in the entire IRA being treated as distributed — meaning 100% of the account value becomes taxable in the year of the violation, plus potential penalties.

Home Storage Gold IRAs — A Warning

Some marketers promote so-called 'home storage gold IRA' or 'checkbook IRA LLC' structures that allegedly let you store IRA gold at your residence. The IRS has challenged these arrangements aggressively, and multiple Tax Court cases have ruled against account holders, resulting in full distribution treatment. Unless you are willing to litigate with the IRS and potentially lose, avoid any scheme that involves IRA gold arriving at your door.

Capital Gains and Collectibles Tax Rate

Physical gold held outside an IRA is taxed as a collectible at a maximum federal rate of 28% on long-term gains — higher than the 15% to 20% rate that applies to most stocks. Inside a Traditional Gold IRA, however, all gains are sheltered until distribution, at which point they are taxed as ordinary income (not at the collectibles rate). Inside a Roth Gold IRA, gains are never taxed at the federal level. This makes the IRA wrapper especially valuable for gold, which would otherwise face the steeper collectibles rate.

Required Minimum Distributions

RMDs begin at age 73 under current SECURE 2.0 Act rules. The calculation uses the prior December 31 account balance divided by an IRS life-expectancy factor. Because gold prices fluctuate daily, RMD planning for a gold IRA requires knowing the fair market value of your metals as of December 31. Most custodians provide this valuation automatically on your annual account statement. Failure to take your RMD results in a 25% excise tax on the amount that should have been distributed (reduced to 10% if corrected promptly).

Gold Coins IRA Fees and Costs: What to Expect

Gold coins IRAs carry higher annual costs than conventional brokerage IRAs. Understanding every fee layer before you open an account prevents unpleasant surprises and helps you compare providers on an apples-to-apples basis. There are typically four distinct cost categories.

1. Account Setup Fee

Most custodians charge a one-time account establishment fee ranging from $50 to $150. Some gold IRA companies waive this fee for accounts above a minimum threshold — often $25,000 to $50,000 — as a promotional incentive. If you see a provider advertising 'zero setup fee,' confirm that no equivalent cost is folded into a higher annual maintenance fee.

2. Annual Custodian Maintenance Fee

The SDIRA custodian charges an annual administration fee for record-keeping, IRS reporting (Form 5498, Form 1099-R), and transaction processing. These fees typically range from $75 to $300 per year. Some custodians use flat fees; others use scaled fees that grow with account value. Flat-fee structures favor larger accounts, while smaller accounts may find scaled fees lower in the early years.

3. Storage Fees

IRS-approved depositories charge for physically securing and insuring your gold. Annual storage fees generally range from $100 to $300 for segregated storage, where your specific coins are kept separately from other clients' metals. Commingled (non-segregated) storage is usually $50 to $150 per year but means your coins are pooled with others of the same type — you get equivalent coins back, not your exact pieces. For most IRA investors, the price difference between the two options is modest enough that segregated storage is worth the peace of mind.

4. Dealer Premiums Over Spot

The largest cost in a gold IRA is often invisible on fee schedules: the markup a dealer charges above the current spot price of gold. Standard premiums run from 3% to 8% for common bullion coins like American Gold Eagles and Canadian Maple Leafs. Less liquid or proof coins can carry premiums of 20% or more. On a $50,000 gold purchase, a 5% premium equals $2,500 that gold must appreciate before you break even. Always ask for the 'all-in price per ounce' and compare it against the live spot price before authorizing a purchase.

Total Annual Cost Example

• Account setup (one-time): $100
• Annual custodian maintenance: $175
• Annual storage (segregated, $50,000 account): $200
• Dealer premium on $50,000 initial purchase (5%): $2,500 one-time cost
• Estimated all-in first-year cost: ~$2,975 (roughly 6% of account value)
• Estimated ongoing annual cost after first year: ~$375 (less than 0.75% on a $50,000 account)

The ongoing annual cost of a gold IRA is actually quite competitive with active mutual fund expense ratios once you are past the initial setup and purchase phase. The key is minimizing the upfront dealer premium and avoiding custodians with high flat-dollar annual fees for smaller accounts.

Gold Coins IRA: Pros and Cons

A gold coins IRA is not the right fit for every investor, but it offers meaningful advantages for those seeking portfolio diversification, inflation protection, and reduced exposure to systemic financial risk. Here is an honest assessment of both sides.

Advantages

• Inflation hedge: Gold has retained purchasing power over centuries; during the 1970s inflationary decade, gold rose from roughly $35/oz to over $800/oz
• Portfolio diversification: Gold's correlation to the S&P 500 is historically low or negative, meaning it often rises when stocks fall
• Tax-deferred or tax-free growth: Inside a Traditional IRA, gains are deferred; inside a Roth, they are permanently tax-free — eliminating the 28% collectibles rate that applies outside an IRA
• Protection against currency debasement: Gold is denominated in ounces, not dollars, making it resistant to inflation caused by money-supply expansion
• Geopolitical safe-haven demand: Gold typically spikes during financial crises, wars, and banking panics — providing a counterweight during worst-case scenarios
• Physical asset: Unlike stocks or bonds, gold coins have intrinsic value and cannot go to zero or be diluted by management decisions

Disadvantages

• No yield or dividends: Gold pays nothing while it sits in the vault — opportunity cost versus dividend-paying stocks or interest-bearing bonds
• Higher fees than conventional IRAs: Custodian, storage, and dealer premiums add 1% to 3% of account value in the first year versus near-zero for index ETFs
• Price volatility: Gold can decline 30% to 40% over multi-year bear markets (e.g., 2012–2015) before recovering — not a riskless asset
• Liquidity limitations: Selling physical gold inside an IRA takes more steps than selling a stock; liquidation can take several business days
• Complexity: Three-party structure (dealer, custodian, depository) requires more due diligence and ongoing attention than a standard brokerage IRA
• RMD complications: Required distributions from a Traditional Gold IRA may require selling metal or taking in-kind distributions at inopportune times

Financial advisors commonly recommend allocating no more than 5% to 15% of a retirement portfolio to precious metals. At that allocation, gold provides meaningful diversification benefits without concentration risk. Investors who commit 50% or more of retirement savings to gold are taking on a different kind of concentrated risk that should be weighed carefully.

Best Gold Coins for IRA in 2026

With gold trading near multi-year highs in 2026, choosing the right coin for your IRA matters both for acquisition cost and long-term liquidity. The best IRA gold coins combine high purity, strong global recognition, competitive premiums, and deep secondary market liquidity. Here are the top choices.

1. American Gold Eagle — Best Overall for U.S. Investors

The American Gold Eagle is the most widely recognized gold coin in the United States and the only coin that is IRA-eligible despite having a purity below 99.5%. Minted by the U.S. Mint since 1986, it contains exactly 1 troy ounce of gold alloyed with silver and copper for durability. Typical premiums run 4% to 6% over spot for the 1-oz coin. Its status as legal tender and broad dealer recognition make it easy to buy and sell. Available in 1 oz, ½ oz, ¼ oz, and 1/10 oz denominations.

2. American Gold Buffalo — Best Purity for U.S. Buyers

Introduced in 2006, the American Gold Buffalo was the first 24-karat (99.99% pure) gold coin struck by the U.S. Mint. It satisfies both the statutory exemption as a U.S. Mint coin and the 99.5% purity standard, making it doubly compliant. Premiums are slightly higher than the Eagle — typically 5% to 7% over spot — but investors who want the highest purity from a U.S. government source often prefer the Buffalo. Currently available in 1 oz only for bullion versions.

3. Canadian Gold Maple Leaf — Best Liquidity Outside the U.S.

The Royal Canadian Mint's flagship gold coin has been produced since 1979 and carries 99.99% purity with advanced anti-counterfeiting features including a radial lines background and laser-micro-engraved security mark (added in 2013). Premiums typically run 3% to 5% over spot, making it one of the more cost-efficient options. The Maple Leaf is accepted by dealers worldwide, offering excellent liquidity when you eventually sell.

4. Austrian Gold Philharmonic — Best for European Diversification

Struck by the Austrian Mint since 1989, the Philharmonic is the top-selling gold coin in Europe and one of the most recognized globally. At 99.99% pure and carrying face value denominated in euros, it provides a subtle currency diversification element. Premiums run 3% to 5% over spot. Its distinct design — featuring the pipe organ of the Vienna Concert Hall — differentiates it in any collection.

5. Australian Gold Kangaroo — Best for Design Variety

Produced by the Perth Mint, the Australian Gold Kangaroo (also known as the Gold Nugget) changes its design annually, which keeps collector interest high without crossing into numismatic territory. At 99.99% purity and with premiums of 4% to 6%, it is fully IRA-compliant and widely traded. Perth Mint products are backed by the government of Western Australia, adding an extra layer of sovereign credibility.

Top Gold IRA Companies Compared

Choosing the right gold IRA company is as important as choosing the right coin. The company serves as your guide through custodian selection, metal sourcing, and depository logistics. Below is a straightforward comparison of the leading providers based on fees, minimum investment, reputation, and service model.

Augusta Precious Metals

Augusta is widely regarded as the premium-service provider in the gold IRA space. The company requires a $50,000 minimum investment — higher than most competitors — but in return offers transparent flat-fee pricing, a one-on-one web conference with an economist before you invest, and lifetime customer support. Augusta uses Equity Trust as its custodian and the Delaware Depository for storage. Annual fees after the first year are typically $180 (combined custodian and storage). Augusta has an A+ BBB rating and over 1,000 five-star reviews across third-party platforms.

Goldco

Goldco is one of the highest-volume gold IRA companies in the U.S., making it particularly competitive for rollovers from 401(k) accounts. Minimum investment is $25,000. The company offers a 'Goldco Guarantee' — a buy-back program that lets you sell your IRA metals back to Goldco at the highest offered price with no liquidation fees. Annual fees vary by custodian but typically run $175 to $225 for maintenance plus $100 to $150 for storage. A+ BBB rated.

American Hartford Gold

American Hartford Gold caters to a broader range of investors with no published minimum investment for standard accounts (though $10,000 is practically required for a diversified purchase). The company frequently runs promotions offering free silver coins, waived fees for the first year, and price-match guarantees. Storage fees run $100 to $150 annually. Best for: first-time investors who want flexibility and promotional incentives.

Birch Gold Group

Birch Gold has been operating since 2003, making it one of the longest-established gold IRA companies. Minimum investment is $10,000. The company is particularly strong on investor education, offering a free information kit and ongoing market commentary. Annual fees are flat at $100 for custodian administration and $100 for storage (non-segregated) or $150 for segregated storage. A+ BBB rated.

Noble Gold Investments

Noble Gold stands out for its Texas-based Royal Survival Packs — a product that lets you purchase IRA-eligible coins for home delivery outside of the IRA structure, useful for investors who want both IRA and physical possession exposure. Minimum IRA investment is $20,000. Annual fees run approximately $80 for custodian maintenance and $150 for segregated storage. Noble is best for investors who also want a physical metals component alongside their IRA holdings.

Gold Coins IRA vs. Gold ETFs vs. Mining Stocks

Investors who want gold exposure in retirement have three main options: a physical gold coins IRA, gold ETFs held in a conventional IRA or brokerage account, and gold mining stocks. Each has a distinct risk-return profile, cost structure, and tax treatment. Understanding the differences helps you decide which approach — or combination — fits your goals.

Physical Gold Coins IRA

• Owns actual gold metal — no counterparty risk beyond the depository
• Tax treatment: deferred (Traditional) or tax-free (Roth)
• Annual costs: 0.5% to 1.5% of account value (custodian + storage)
• Best for: investors who distrust financial system intermediaries and want tangible assets

Gold ETFs (e.g., SPDR Gold Shares / GLD, iShares Gold Trust / IAU)

• Holds gold bullion in allocated vaults on behalf of shareholders — you own fractional shares, not specific bars
• Can be held in any IRA, 401(k), or taxable account — no special custodian needed
• Annual expense ratio: 0.25% (IAU) to 0.40% (GLD) — much lower than physical IRA costs
• Extremely liquid — buys and sells like a stock in milliseconds
• Best for: cost-conscious investors who accept indirect gold ownership and do not need physical delivery

Gold Mining Stocks (e.g., Newmont, Barrick Gold, Agnico Eagle)

• Equity stakes in companies that mine gold — leveraged play on gold prices (miners often rise 2x–3x when gold rises 1x)
• Carry additional risks: management quality, mining costs, geopolitical risk, operational disruptions
• Pay dividends in many cases — unlike physical gold
• Taxed as ordinary equities (not at the 28% collectibles rate)
• Best for: aggressive investors seeking amplified gold exposure with income potential

A practical middle ground that many advisors suggest: hold 5% to 10% of your retirement portfolio in physical gold via a gold coins IRA for hard-asset protection, and hold another 3% to 5% in gold ETFs or mining stocks within your existing 401(k) or brokerage IRA for liquidity and lower cost. This combination gives you the counterparty-risk protection of physical metal alongside the cost efficiency and liquidity of paper gold.

Frequently Asked Questions

Can I roll my existing 401(k) into a gold coins IRA without paying taxes?

Yes. A direct rollover from a 401(k) to a self-directed IRA is a non-taxable event as long as the funds move directly between custodians without passing through your hands. If your former employer sends you a check, 20% will be withheld for taxes automatically. You have 60 days to deposit the full amount (including the withheld 20%, which you would need to cover out-of-pocket and reclaim on your tax return) to avoid the distribution being treated as taxable income. Always request a direct trustee-to-trustee transfer to avoid this complication.

What is the minimum investment for a gold coins IRA?

There is no IRS-mandated minimum, but practical minimums exist because custodian and storage fees make very small accounts inefficient. Most gold IRA companies recommend a minimum of $10,000 to $25,000 for a first purchase. Fixed annual fees of $200 to $400 represent 2% to 4% of a $10,000 account — a high hurdle rate — but less than 1% on a $50,000 account. If you are starting with less than $10,000, a gold ETF in your existing IRA may be more cost-effective until you can consolidate enough assets.

Can I store IRA gold at home?

No. The IRS requires that IRA-owned precious metals be stored at an approved, non-bank trustee or depository. Storing IRA gold at your home, in a personal safe deposit box, or with a friend constitutes a distribution of the entire account value in the year the metals leave the depository, triggering full income tax plus a 10% early-withdrawal penalty if you are under 59½. Despite what some marketers claim, there is no legitimate 'home storage gold IRA' loophole.

How do I take distributions from a gold coins IRA?

You have two options when taking a distribution. You can sell the gold inside the IRA and receive the cash proceeds — the custodian arranges the sale through your dealer and wires the net amount to you. Alternatively, you can take an in-kind distribution, where actual gold coins are shipped from the depository to your address. The in-kind distribution is taxable at the fair market value of the coins on the distribution date. Either way, if you are under 59½, the 10% early withdrawal penalty applies unless an exception (disability, substantially equal periodic payments, etc.) qualifies.

Is the South African Krugerrand IRA-eligible?

No. The Krugerrand is 91.67% gold (22 karat), which is below the 99.5% IRS purity threshold. Unlike the American Gold Eagle, it has no statutory exemption in U.S. tax code. Despite being the world's first modern bullion coin (introduced in 1967) and widely traded globally, it does not qualify for an IRA. Purchasing a Krugerrand through your gold IRA would constitute a prohibited transaction.

What happens to my gold IRA if the depository goes out of business?

IRS-approved depositories are required to maintain fully allocated, segregated or commingled holdings that are the property of account holders — not corporate assets of the depository. If a depository became insolvent, your gold is not available to creditors. The SDIRA custodian would arrange transfer of your metals to another approved depository. Additionally, leading depositories like the Delaware Depository and Brink's carry $1 billion or more in all-risk insurance coverage on stored metals, providing a further financial backstop.

Are gold coins IRA accounts FDIC or SIPC insured?

No. FDIC insurance covers bank deposits; SIPC covers securities held at broker-dealers. Physical gold coins held at a depository are covered instead by the depository's private insurance policy. Reputable depositories carry Lloyd's of London or similar institutional coverage on all stored metals. Before opening an account, ask your gold IRA company to provide written confirmation of the depository's insurance carrier, coverage amount, and whether your holdings would be covered in full as a segregated account holder.