Many factors, but you can also opt for a Self-directed 401k and have physical possession of metals in a retirement entity. I'm in the industry, a guy at my firm sets these up for our clients every day.
This option requires an ongoing business interest, so if your only thing is w2 employment, you have to stick with the more mainstream metals IRA framework. Also if a spouse has a business, that typically qualifies as well.
Email me here if you want more info. It is a narrow piece of the industry but if the shoe fits.....
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