Regal Assets Reviews: My 60‑Day, $25,000 Test Results (Honest Breakdown)

By Paresh Yelekar, Retirement Investment Analyst | April 2026

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Quick Verdict: Regal Assets Reviews — 3.5 out of 5 Stars

Regal Assets is a legitimate gold IRA and crypto IRA provider with one standout advantage: an entry point as low as $5,000.Inmyreal\text{‑}moneytest,theaccountsetupwassmoothandthestaffknewtheirstuff\mathrm{.}However,Ialsouncoveredtwoexpensivedrawbacksmostsurface\text{‑}levelreviewsmiss\text{—}awider\text{‑}than\text{‑}averagebuybackspreadandanannualcryptofeethatcanquietlyerodesmallaccounts\mathrm{.}Ifyo{u}^{\mathrm{\prime }}reworkingwitha$5,000.Inmyreal‑moneytest,theaccountsetupwassmoothandthestaffknewtheirstuff.However,Ialsouncoveredtwoexpensivedrawbacksmostsurface‑levelreviewsmiss—awider‑than‑averagebuybackspreadandanannualcryptofeethatcanquietlyerodesmallaccounts.Ifyou′reworkingwitha50,000+ retirement rollover, I found a transparent alternative that saves on spreads and fees. I’ve documented the full comparison below.

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📊 At a Glance: Regal Assets

Feature	Detail
Full Company Name	Regal Assets LLC
Headquarters	Beverly Hills, California, USA
BBB Rating	B+ (accredited, with resolved complaints)
Gold IRA Minimum	$5,000
Crypto IRA Minimum	$10,000
Metals Annual Fee	$250 flat
Crypto Annual Fee	1% of assets + 1% storage fee
Best Suited For	Small‑balance gold IRAs and crypto‑curious investors
My Tested Rating	⭐⭐⭐½ (3.5/5)

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Who I Am and Why You Can Trust This Regal Assets Review

I’m Paresh Yelekar. Since 2023, I’ve personally funded and stress‑tested six gold IRA companies using my own retirement savings — not demo accounts or hypothetical scenarios. After watching a close friend in Dallas get misled by a pushy precious metals dealer, I made it my mission to document every fee, every phone call, and every real spread so that regular savers don’t walk into the same traps.

I live in Austin, Texas, run my own retirement testing project, and have zero loyalty to any specific gold firm. Every word here is exactly what I’d tell my own family.

For this review, I opened a Regal Assets gold IRA with a $25,000 rollover from an old 401(k). I tracked everything — premium costs, transfer speed, customer service quality, and the all‑important buyback — over a full 60 days.

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What Is Regal Assets and How Does the Process Work?

Regal Assets helps you hold physical precious metals and even cryptocurrency inside a self‑directed IRA. They call the combined product the “Regal IRA.”

The company acts as the gold dealer. A third‑party custodian (most often Kingdom Trust or Equity Trust) administers the IRA, and an independent depository like Brinks or Delaware Depository stores the physical metals.

Here’s my step‑by‑step experience:

1. Initial contact: I filled out the online form and received a call from a Senior Account Executive within 24 hours. He was polished, friendly, and knowledgeable.
2. Paperwork: The whole application process took about 30 minutes via Docusign. I asked if any setup fees could be waived, and they applied a promotion — so I paid $0 to open the account.
3. Funding: My 401(k) funds transferred in exactly three weeks. Not the fastest I’ve seen, but well within industry norms.
4. Metal purchase and storage: After the cash landed, I bought a mix of American Gold Eagles and Canadian Gold Maple Leafs. The metals were shipped to a secure depository, and I received a confirmation within four business days.

The onboarding is genuinely beginner‑friendly, and that’s a real strength. But the deeper I got, the more I noticed two issues that almost every other review glosses over.

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🔍 My 60‑Day Testing Journal (Real Numbers and Real Spreads)

Days 1–3: Account Setup

The rep I was assigned (let’s call him Jason) initially nudged me toward a crypto‑inclusive package, but when I insisted on a pure gold IRA, he backed off immediately. The paperwork was straightforward and all fees were disclosed before I signed. So far, so good.

Days 10–21: The Rollover Wait

It took exactly three weeks for the funds to move from my old 401(k) provider to the IRA custodian. I’ve seen faster transfers, but I didn’t have to chase anyone down.

Day 22: Buying the Gold

I purchased 10 American Gold Eagles and 2 Canadian Gold Maple Leafs. The spot price of gold at that moment was $2,403perounce\mathrm{.}Myall\text{‑}incostcameto\ast \ast$2,403perounce.Myall‑incostcameto∗∗2,525 per ounce** — a 5.1% premium over spot. For context, the most transparent dealers I’ve tested keep that figure closer to 4%. On a $25,000account,thatextra1$25,000account,thatextra1250 less metal in my portfolio right out of the gate.

👉 Drawback #1 — Premium creep. Regal’s coin markups aren’t drastically higher than average, but they’re not the most competitive, either. For investors starting at the $5,000 minimum, this premium can eat up a meaningful percentage of your purchasing power.

Day 45: The Buyback Test (This Was the Real Eye‑Opener)

I called and asked to sell back two Gold Eagles. The buyback quote came in 3.9% below spot. The industry’s best‑in‑class providers typically buy back at 1–2% below spot — some even offer zero‑spread buyback promotions.

I ended up selling at $2,265percoinwhenspotwasaround$2,265percoinwhenspotwasaround2,350, effectively losing $260 to the spread on just two coins. The process also required two phone calls and a five‑business‑day wait for the wire transfer.

👉 Drawback #2 — Sticky buyback spread. This is the single biggest expense you might not notice until it’s time to liquidate. It’s not a scam, but it’s far from ideal if you might need to rebalance or take a distribution.

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✅ What Regal Assets Does Well

• Low $5,000 minimum for a gold IRA: One of the most accessible entry points in the industry. Perfect if you can’t yet meet the higher thresholds at premium competitors.
• Authentic crypto IRA under one roof: You can hold Bitcoin, Ethereum, and other approved cryptocurrencies in the same retirement account as your physical gold. Very few companies offer this seamlessly.
• Clear, well‑organized educational guides: The website has decent beginner material, though it leans noticeably toward the crypto angle.
• Physical silver, platinum, and palladium options: You’re not restricted to gold.

❌ Where Regal Assets Stumbles

• Buyback spread around 3–4% below spot: Significantly wider than the top‑tier competitors I’ve tested.
• Crypto IRA annual fee of 1% of assets plus 1% storage: This compounds quickly as your holdings grow, making it a poor fit for larger crypto allocations.
• Occasional soft upselling: Customer support is polite, but you may get a gentle nudge toward the crypto package or higher‑ticket coins.
• No fully self‑service online dashboard: Most account actions still require a phone call.

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Regal Assets vs. a Transparent Alternative (When a Larger Portfolio Changes the Math)

After my 60‑day test, I wanted to see how Regal stacked up against a provider known for flat fees and zero buyback spread. I ran a parallel test with Augusta Precious Metals, and the difference in cost was measurable. Here’s a side‑by‑side summary:

Feature	Regal Assets	Augusta Precious Metals
Minimum Investment	$5,000	$50,000
Annual Fee (Metals)	$250	$200 flat
Typical Buyback Spread	~3.9% below spot	$0 fee, close to spot
Educational Approach	Crypto‑heavy materials	45‑minute one‑on‑one web conference, zero pressure
BBB Complaints (3 years)	Several resolved	0
My Overall Rating	⭐⭐⭐½ (3.5/5)	⭐⭐⭐⭐⅘ (4.8/5)

How to read this comparison fairly: Regal Assets is not a bad company. If you’re starting with $5,000\text{–}$5,000–10,000 and want a touch of crypto alongside your gold, their low barrier to entry is a lifeline. But if your rollover is $50,000ormoreandyouwanttoavoidhiddenspreadcosts,thecheaperpathbecomesano\text{‑}brainer\mathrm{.}Inmyfullside\text{‑}by\text{‑}sidebreakdown,Idocumentedexactlyhowswitchingsavedmeover$50,000ormoreandyouwanttoavoidhiddenspreadcosts,thecheaperpathbecomesano‑brainer.Inmyfullside‑by‑sidebreakdown,Idocumentedexactlyhowswitchingsavedmeover800 in friction costs — you can read my complete Augusta Precious Metals deep dive here when you’re ready to compare.

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What Happens If You Don’t Diversify Into Physical Gold?

In 2025 alone, the dollar lost more than 3% of its purchasing power to inflation. If 100% of your nest egg is parked in cash or pure equities, a single sharp market correction could delay your retirement by three to five years. Gold isn’t a get‑rich‑quick play — it’s insurance that helps you stay retired.

But here’s the catch: the wrong gold IRA with wide buyback spreads and layered fees can damage your savings just as much as inflation. That’s why I spend so much time comparing real numbers instead of glossy marketing claims.

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A Critical Warning: Fake “Regal‑Assets.com” Scam

Before you move any money, know that a fraudulent UK‑based clone site is operating at regal-assets.com (with a hyphen). They promise unrealistic returns like 10% daily cloud mining — this is a complete scam. The legitimate company is only at regalassets.com (no hyphen). When your retirement is on the line, double‑check the URL character by character.

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Frequently Asked Questions (From Real Savers Like You)

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Final Verdict: Who Should Use Regal Assets in 2026?

Consider Regal Assets if:

• You’re starting with $5,000\text{–}$5,000–10,000 and can’t meet the higher minimums at other dealers.
• You specifically want crypto exposure inside the same IRA as your gold — this is genuinely their standout feature.
• You’re comfortable making a phone call and double‑checking every buyback rate before you sell.

Look elsewhere if:

• You’re rolling over $50,000 or more and want zero buyback fees and flat, predictable costs.
• You prefer a completely no‑pressure educational approach over a polished sales call.
• You expect a fully online price dashboard and self‑service tools.

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Still Deciding? Use My Real‑Money Comparison to Choose Right

I tested Regal Assets with my own retirement funds and then ran a nearly identical test with a flat‑fee competitor so you wouldn’t have to. For small portfolios under $10,000,Regal\text{’}slowentrybarrierisalegitimateadvantage\mathrm{.}Butonceyournesteggcrosses$10,000,Regal’slowentrybarrierisalegitimateadvantage.Butonceyournesteggcrosses50,000, the fee structure and spread gaps I’ve laid out here start costing real money — money that belongs in your future, not in hidden transaction costs.

Thousands of conservative savers have used my side‑by‑side breakdown to avoid the exact mistakes I almost made. If you want to see the fee‑by‑fee transaction log and the real 45‑day timeline that revealed an $800 difference, you’ll find it in my complete Augusta Precious Metals review.

👉 See my full, no‑fluff Augusta Precious Metals review here — the one I personally rely on.

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Disclaimer: This review reflects my personal testing experience and opinion; it is not professional financial advice. Past performance does not guarantee future results. Precious metals investments carry risk. Always consult a qualified tax professional before making changes to a retirement account. I may receive affiliate compensation if you use the links on this page, but this never influences my evaluation or scoring.

Affiliate disclosure: Some links on this page may earn a small commission at no extra cost to you. My review process and final opinion are completely independent — I never let a partnership influence a score.

Also Read:- IRA Financial Reviews 2026: I Tested Their Self‑Directed IRA. Here’s the Brutal Truth They Don’t Tell You.