Fitch recently warned about rising U.S. fiscal deficits, a factor historically bullish for gold. IRA investors adding gold seek to mitigate credit risk exposure embedded in traditional fixed-income holdings. To invest in ETFs, you could start with a smaller amount and work up from there. One way that might help is by automatically investing your spare change with Acorns . Goldco doesn’t charge an initial purchase requirement or require an account minimum and claims to work with all major self-directed IRA custodians. Options markets show rising implied volatility in gold calls, hinting at upside expectations. Allocating via an IRA could capture gains in a tax-sheltered environment if bullish momentum materializes.