SD Bullion
Key Facts
- Min. Investment
- $0
- Annual Fees
- $75–$125/year custodian + ~$9.99/month storage at SD Depository
- Founded
- 2012
- IRA Types
- Traditional, Roth, SEP
Overview
SD Bullion was founded in 2012 and is headquartered in Ottawa Lake, Michigan. The company brands itself as "America's Lowest-Premium Bullion Dealer" and has built its reputation around offering gold, silver, platinum, and palladium at some of the most competitive markups over spot price in the industry, backed by a price match guarantee. What sets SD Bullion apart from most bullion retailers is vertical integration — the company owns its own IRA-approved depository, SD Depository, and markets a "3-in-1" IRA process where a single point of contact handles custodian setup, metals sourcing, and storage delivery.
Pros
- ✓Among the lowest premiums over spot price in the industry, with a price match guarantee
- ✓Owns its own IRA-approved depository (SD Depository) — simplifies storage for IRA customers
- ✓"3-in-1" IRA process — single point of contact for custodian setup, metals sourcing, and storage
- ✓Fast account setup: 1–2 business days to open, 7–10 business days to fund
- ✓A+ BBB rating since 2014 and 4.3 out of 5 Trustpilot rating
Cons
- –Fee transparency is below average — IRA setup and storage fees not clearly published, require a phone call
- –Primarily a bullion retailer — IRA support less robust than dedicated IRA firms
- –Customer service complaints include delayed shipping and quality control issues with products
- –Cancellation and restocking fees of 3–5% plus potential market-loss penalties
Frequently Asked Questions
What does "lowest premiums in the industry" mean at SD Bullion?
SD Bullion markets itself as having the lowest markups over spot price. Every dealer adds a markup (called a premium) on top of the market price to cover costs and profit. SD Bullion's premiums are consistently among the lowest, and they offer a price match guarantee.
Does SD Bullion have its own depository?
Yes. SD Bullion owns and operates SD Depository, an IRA-approved storage facility. This vertical integration is unusual among bullion retailers and allows for a more streamlined IRA process.
What fees does SD Bullion charge for a gold IRA?
Annual custodian fees through New Direction Trust Company are estimated at $75–$125. Storage at SD Depository is approximately $9.99/month. Exact fees should be confirmed by calling 1-800-294-8732.