Lear Capital Review

Have you been wondering if now is the right time to invest in gold or silver? Does the volatility of the stock market scare you, whether you are a few years or a few decades away from retirement? Lear Capital has been a trusted name in precious metals since 1997.

Through Lear Capital, you can purchase individual gold or silver coins and bars or set up/rollover a Gold IRA. Their website and customer care team offers numerous resources designed to help you understand all the different options that are available to you so you can make sound investment decisions for your future.

If you've been thinking about investing in gold or silver through a Gold IRA or simply want to add a few coins to your collection, read through our detailed review of Lear Capital Review. We'll share all the important information about this precious metals company you'll want to know before deciding whether to do business with them.

Gold for Sale

Unlike some other precious metals companies that have a more limited supply of gold coins and bars, Lear Capital has a lot to offer. You can choose to purchase these coins or bars outright to add to your at-home collection.

You can view the available products under the "Buy Gold & Silver" heading on the website. The different available options for gold are organized under the headings American Gold and World Gold.

When you click on any of the coin names displayed on the left side panel, you'll be shown more information about the coin and have the option to enter a quantity to add to your cart. Some coins will have the price displayed, while others will have a note to call for pricing for that specific coin.

The information page for each coin displays the weight(s) of the coin as well as some historical information about the coin's production and circulation.

Lear Capital

Below are the American Gold options currently offered by Lear Capital:

  • $10 Liberty Gold Coin (circulated): This is a ½-ounce coin. It was first minted in 1838.

The coin's design shows a profile of Lady Liberty on the front with 13 stars along the border of the coin. The reverse side of the coin depicts an eagle with the shield of the Union on its breast.

  • $20 Gold Liberty: This is a 1-ounce coin that has the highest content of gold for any United States gold coins that were issued in its time. The coin's classic design was popular and minted for over 50 years.
  • The scarcity and high cold content of this coin makes it a sought-after coin that is very valuable. Lear Capital has $20 Gold Liberty coins for sale that are in Very Fine to Xtra Fine condition.
  • $5 Liberty Gold Coin (circulated): These .2354 gold coins were first minted in 1792, making them the first gold coins to be minted by the government of the United States. Over the years, it was minted at all of the US Mints that were in use when it was circulated, the only coin that this is true for.
  • This coin shares the design with the $2.50 Liberty Gold coin and the $10 Liberty Gold coin. The front features Lady Liberty's profile with 13 stars that represent the 13 colonies. On the back of the coin, a bald eagle is show with open winds and the shield of the Union on its breast.
  • American Gold Eagle Coin: This is one of the coins that can be purchased in different weights. It is available in 1-ounce, ½-ounce, ¼-ounce, and 1/10-ounce sizes. The United States Government guarantees the content, weight, and purity of these coins, making them a very sound investment and a highly sought-after coin.
  • Gold American Eagle Proof: A proof of the Gold American Eagle Coin, this 1-ounce coin is a collector's item. Its proof status makes it more valuable than a standard American Gold Eagle Coin.
  • Gold Orca Coin: This is a ¼-ounce coin minted by the Royal Canadian Mint. It is available exclusively through Lear Capital.
  • Gold Snowy Owl Coin: Another ¼-ounce coin that is exclusively available through Lear Capital. The Royal Canadian Mint also produces this coin.
  • Polar Bear Proof Set: This set contains proofs that have a parallel line finish that is the same as the Canadian Maple Leaf coin. The set has a weight of 1 ¾ ounces.
  • Gold Polar Bear and Cub: The Royal Canadian Mint produces this ¼-ounce coin. The coin is 99.99% gold.
  • Gold 1 Ounce Bar: 24-karat gold that is .9999 fine gold. The weight and purity are stamped on each bar.
  • Gold 10 Ounce Bar: 24-karat gold that is .9999 fine gold. The weight and purity are stamped on each bar.
  • Gold Kilo Bar: This 2.2-pound gold bar is sought-after around the world. It is .9999 fine gold, making it very valuable.
Lear Capital

Here are the World Gold options that are available:

  • Austrian Vienna Philharmonic Gold Coin: This 1-ounce coin was created to honor the Philharmonic Orchestra in Vienna Austria. It is made from 99.99% solid gold and was first minted in 1989.

The front side of the coin displays the pipe organ from the famous Musikverein's Golden Hall, and the back of the coin displays various instruments including the horn, harp, and violins.

  • Canadian Gold Maple Leaf Coin: The Canadian Gold Maple Leaf coin is available in 1- and 1/10-ounce sizes. The Royal Canadian Mint guarantees each coin for purity and weight. It has a purity of 99.99% gold.
Lear Capital

This coin was first minted in 1979 and shows the profile of Queen Elizabeth II on the front. The reverse side of the coin feature the iconic Canadian Maple Leaf.

  • Gold British Sovereign Coin: In the 1800s and early 1900s, the Gold British Sovereign Coin was mass-produced, leading it to become the most widely distributed gold coin of the time. This coin weighs .2354 ounces and contains pure gold.
  • Gold Buffalo Coin: The Gold Buffalo Coin is a 1-ounce coin that was the first pure 24-karat coin to be produced by the United States Mint. The United States government guarantees this coin for its content, purity, and weight.
  • Gold Krugerrand Coin: This South African gold coin has a weight of 1 ounce. It is a 22-karat coin that that is very durable because it is has been alloyed with copper. It was first produced in 1967, but by 1980, it took up 90% of the gold coin market world-wide.
  • Gold Polar Bear by the Canadian Royal Mint: This coin is produced by the Royal Canadian Mint and has a ¼-ounce weight. The coin is 99.99% pure gold.
  • Gold Arctic Fox by the Canadian Royal Mint: This is another ¼-ounce coin from the Royal Canadian Mint. It features a Regular Parallel Line Finish which matches the Canadian Maple Leaf coin.
  • Gold Snow Falcon Coin: This is a 99.99% pure gold coin weighing ¼ ounce. It was also produced by the Royal Canadian Mint.
  • Gold Grizzly Bear Coin: This is a 1/3-ounce coin with a 99.99% purity level. It was also produced by the Royal Canadian Mint.

Silver for Sale

In addition to offering gold coins and bars for purchase, Lear Capital also has a large selection of silver coins and bars that you can choose from. Like the gold coins and bars, you can click on the name of each silver item to learn more about the weight, pricing, and history of the coin or bar.

Lear Capital

Below are the different silver coins and bars available through Lear Capital:

  • Canadian Silver Maple Leaf.
  • Morgan Silver Dollar (pre-1921 circulated).
  • Proof Silver American Eagle.
  • $8 Proof Silver Polar Bear.
  • Silver 100 Ounce Bar.
  • Silver 10 Ounce Bar.
  • Silver American Eagle.
  • Silver Orca Coin.
  • Silver Peace Dollar.
  • Silver Rounds.
  • Silver Snowy Owl Coin.
  • Silver Polar Bear Coin.
  • Silver Arctic Fox Coin.
  • Silver Snow Falcon Coin.
  • Silver Grizzly Bear Coin.

Platinum for Sale

If you are looking to further diversify your portfolio, adding some platinum to it is a good idea. Platinum is currently in high demand, between its use in jewelry and catalytic converters. Less platinum is produced each year compared to gold, making it a highly sought-after and valuable precious metal.

Lear Capital

Lear Capital offers the Platinum American Eagle Coin that you can purchase to add to your portfolio. This is a 1-ounce coin made from 99.95% pure platinum. The face value on the coin is $100, which is the highest value available on any United States coin.

Premium Coins

One of the subsections on Lear Capital's webpage under the "Buy Gold & Silver" heading is Premium Coins. When you visit this page, you can see all the premium coins that are available. The premium coins are further broken down into categories Liberty Series Gold Coins, Indian Series Gold Coins, Modern Gold Coins, and Silver Coins.

Lear Capital

Liberty Series Gold Coins

  • $20 Liberty Coin
  • $10 Liberty Coin
  • $5 Liberty Coin
  • $2.5 Liberty Coin
Lear Capital

Indian Series Gold Coins

  • $20 St. Gaudens Coin
  • $10 Indian Coin
  • $5 Liberty Coin
  • $2.5 Indian Coin
Lear Capital

Modern Gold Coins

  • American Eagle Gold Proof
  • $10 Gold Polar Bear Coin
  • Polar Bear Proof Set
  • $10 Gold Arctic Fox Coin
  • Gold Orca Coin
  • Gold Spirit Bear Coin
Lear Capital

Silver Coins

  • Morgan Silver Dollar Coin
  • Peace Silver Dollar Coin
  • Walking Liberty Half Dollar Coin
  • Benjamin Franklin Half Dollar Coin
  • America the Beautiful Coin
  • $8 Silver Polar Bear Coin
  • American Eagle Silver Proof
  • Silver Polar Bear Proof
  • $6 Silver Arctic Fox Coin
  • Silver Arctic Fox Investor Box
  • Silver Orca Coin
  • Silver Spirit Bear Coin

Incentives for Investing with Lear Capital

Lear Capital offers a variety of incentives for both their current and new customers. One incentive that is currently being offered is a $100 certificate when you purchase $5,000 or more in premium precious metals. You will be able to use the $100 towards a future precious metals purchase through Lear Capital.

Lear Capital

Lear Capital is also offering a $50 precious metals gift card if you purchase $5,000 or more in precious metals bullion. Again, the $50 gift can be applied towards a future purchase.

You can call to chat with one of the representatives from Lear Capital to sign up for one of these incentives and to learn more about the different incentives that may be available for you to take advantage of.

Gold and Precious Metals IRAs

More and more people are turning towards a Gold or Precious Metals IRA. Diversifying your portfolio and investing in gold or other precious metals can help make sure you are as prepared and financially ready for retirement as possible.

A traditional IRA includes investments in different stocks, mutual funds, or bonds. Unfortunately, any time the economy takes a dip, the stock market follows. When you're ready to retire, if the economy is on a down turn, you could easily see the years of growth in your account wiped away, leaving you in a financially unsecure position or forcing you to continue working longer than you had planned.

Gold is a more secure investment and has been shown to outperform the stock marketing. Keeping some of your retirement savings in gold or other precious metals is an excellent way to protect your future.

When you set up a Precious Metals IRA, you receive the same tax benefits of a conventional IRA, meaning you don't have to pay taxes on your money as long as you withdraw funds after the age of 59.5.

Why Investing in Gold with Lear Capital is a Good Idea

There are many reasons investing some of your retirement funds in gold through a Gold IRA is a good idea. When compared to the often volatile stock market, gold is a stable investment. Over the last 10 years, gold has outperformed the Dow by more than 300%, so it just makes sense to leave some of your money invested in gold.

When the economy crashes, the stock market follows suit. Gold, on the other hand, is a much more stable investment. Its value has actually been known to increase when the stock market declines.

Lear Capital

There is a finite amount of gold on our planet and there are no signs of gold losing its appeal. People will always want it, meaning it will always hold value. And, the desire to hold gold is higher when the economy is under-performing, meaning the value of your investment will be greater during tough economic times.

There are many indications that the value of the US dollar is decreasing. This means that your purchasing power is declining along with it and that the value of the stocks in your investment account may not be worth as much when it comes time for your retirement.

However, as the value of the US dollar decreases, the value of gold increases. So, having some of your money invested in gold can act to protect your money and off-set the decline of the US dollar.

Gold is also recognized across the world as a sound investment and a valuable asset. Many experts who study the growth and value of gold even think it is on track to reach new highs in the coming years.

When you invest your money in a Gold IRA, you can choose to receive the physical pieces of gold upon retirement. You do not have to sell them. This can allow you to pass these highly valuable assets onto your children, grandchildren, or even great-grandchildren to set them up for future financial security.

Why Investing in Silver with Lear Capital is a Good Idea

In addition to diversifying your portfolio through a Gold IRA, Lear Capital can also help you set up a Silver IRA (both gold and silver can be added to the same Precious Metals IRA). Silver is another precious metal that is seen as a very sound investment and a good way to diversify your retirement portfolio to provide protection against a volatile stock market and economic downfalls.

Lear Capital

Silver has been sought after by collectors and investors for hundreds of years. Like gold, its value is not tied to the economy, allowing you to enjoy some peace of mind about your retirement.

In addition to its use for jewelry, silver is also used in the production and manufacturing of different goods and technologies. This only helps to increase the demand for it, making it an even sounder investment.

Since the value of the US dollar is declining, silver, like gold, can be used to help you ensure that your purchasing power does not decrease if all of your money is in a bank or held in stocks and bonds. As the value of the dollar decreases, the value of silver increases.

Also, like gold, you'll be able to receive the physical silver pieces from your Silver IRA. You can choose to sell these, or if you are able to, you can pass them on to your family members to help ensure they are well taken care of after you pass.

Gold and Silver Coins and Bars for a Self-Directed IRA

Precious Metals IRAs have strict rules about the types of coins or bars that can be included. Gold coins must be at least 99.5% pure gold and are required to be legal tender. Silver coins are required to be 99.9% fine to be included in an IRA.

Because of these restrictions, you are not able to simply add any gold or silver coin to a Precious Metals IRA. Lear Capital is still able to offer many different, IRS-approved coins and bars for you to add to your IRA.

Lear Capital has 12 different approved gold coins available for you to choose from. They are:

  • American Eagle Coin
  • Proof American Eagle Coin
  • Gold Canadian Maple Leaf Coin
  • Austrian Philharmonic Coin
  • 2013 Gold Polar Bear Coin
  • 2014 Gold Arctic Fox Coin
  • 2015 Gold Polar Bear & Cub Coin
  • 2016 Gold Snow Falcon Coin
  • 2017 Gold Grizzly Coin
  • 2018 Gold Snowy Owl Coin
  • 2019 Gold Orca Coin
  • 2020 Gold Spirit Bear Coin

They also offer 11 different approved silver coins. The silver coins you can select include:

  • American Eagle Coin
  • Proof American Eagle Coin
  • Silver Canadian Maple Leaf
  • 2013 Silver Polar Bear Coin
  • 2014 Silver Arctic Fox Coin
  • 2015 Silver Polar Bear & Cub Coin
  • 2016 Silver Snow Falcon Coin
  • 2017 Silver Grizzly Coin
  • 2018 Silver Snowy Owl Coin
  • 2019 Silver Orca Coin
  • 2020 Silver Spirit Bear Coin

In addition to adding gold or silver coins to your Precious Metals IRA, you may also add gold or silver bars. Gold Bullion Bars are required to be 99.5% fine and Silver Bullion Bars are required to be 99.9% fine in order to be added to a Precious Metals IRA.

Setting Up a New Gold or Precious Metals IRA

If you are interested in setting up a Precious Metals IRA through Lear Capital, they have streamlined the process to make it as simple and straightforward as possible. There are just three simple steps you will need to complete in order to get your new Precious Metals IRA set up and ready to go.

Lear Capital

First, you will need to complete their online form to open your account. The online form should only take a few moments to complete. You will need to provide your name, email address, phone number, and address.

Once you have completed the form, you will need to determine how much you want to invest in your account with your initial investment. Then, one of the members of the Lear Capital team will help guide you in selecting and purchasing coins for your new Precious Metals IRA.

Gold and Precious Metals IRAs are one form of a self-directed IRA. With a self-directed IRA, you are more in control of your investments than you are with other IRAs. In the case of Gold or Precious Metals IRAs, you get to select the specific coins and bars that will be included in your account.

Gold IRA Rollovers

Depending on your account type, you may be able to rollover funds from your current IRA of 401(k) to be redeposited into your new Gold IRA. If you're eligible for this option, you'll be able to roll over funds once every 12 months to ensure that your retirement savings remain protected from taxes.

Some of the retirement accounts that may be available for a Gold IRA rollover include 401(k)s, 403(b)s, 457(b)s, TSPs (Thrift Savings Plans), pension plans, or annuities.

If you are interested in rolling over an existing retirement account, contact one of the specialists in the in-house Individual Retirement Account Processing Department at Lear Capital. They will help you take care of everything that will need to be done in order to rollover your current retirement plan into a Precious Metals IRA.

Gold IRA Transfers

You should also be able to transfer your existing IRA account into a Precious Metals IRA. If this is something you're interested in, you'll also want to contact the Individual Retirement Account Processing Department at Lear Capital. The team members in this department are knowledgeable and experienced with transferring IRAs and will be able to help make the transfer seamless.

Storage of Coins and Bars for Precious Metals IRAs

With few exceptions, the coins and bars you purchase for a Precious Metals IRA must be stored in an IRS-approved facility. Lear Capital uses the Delaware Depository to store the belongings of their customers.

Delaware Depository

You can feel confident that your gold or silver coins and bars will be safe and secure in this facility. The Delaware Depository has been in use since 1999 and employs numerous safety and security measures to ensure your items are protected.

Your investment is 100% insured by the Delaware Depository. Additionally, when your items are shipped from Lear Capital to the Depository, they are fully insured. Plus, the Delaware Depository has an insurance policy that is underwritten by Lloyds of London that will protect your investments against any form of loss or damage.

With all of the security measures and insurance protections in place, you won't need to worry about anything compromising your investment or threatening your access to your precious metals when you are ready to retire.

Free Resources for Investors

Lear Capital's website contains numerous resources designed to help investors make informed decisions regarding their investments. You can find information related to the gold and silver market, specific coins, historical data about gold, silver, platinum, and palladium prices, and more.

You can also sign up to receive a free investor kit from Lear Capital. There are three different resources you can choose to receive when you sign up.

Lear Capital

One of these resources is the Precious Metals Guide. This guide is designed to provide you with invaluable information about investing in precious metals to help you make the best decisions for your portfolio. The guide includes five secrets from Lear Capital related to investing in coins.

One of the other resources you can choose to receive is the Retirement Accounts guide. This guide shares the information you'll want to know about setting up a Precious Metals IRA and transferring/rolling over your current retirement plan.

Finally, you can also sign up to receive Lear Capital's Investment Newsletter through email. The newsletter will share timely information regarding investing in precious metals.

Why You Should Consider Lear Capital

Lear Capital is committed to the satisfaction of its customers. They provide real-time data about the prices of gold, silver, platinum, and palladium to help investors make financially sound decisions that will benefit them.

Lear Capital also offers a variety of resources to help its customers understand retirement, Precious Metals IRAs, and gold and silver investments in general. You will also be able to set price alerts to notify you if the price of the precious metals you are interested in is changing.

You can set up the alerts to the desired movement amount you'd want to be notified about. This can help make sure you don't miss out on the perfect opportunity to add more to your portfolio.

Lear Capital also offers a dedicated customer service line. If you have any questions, you'll be able to easily connect with someone who has the answers you're looking for. You will also be assigned an account representative who will be available to assist you with managing your account and adding new assets to it.

Features

  • Lear Capital offers gold and silver coins for personal purchase.
  • They have a large selection of coins, including many premium options and coins that are exclusively available through Lear Capital.
  • New and current investors will find different incentives that are available when they choose to invest with Lear Capital.
  • Lear Capital can help you set up a new Gold or Precious Metals IRA that will diversify your portfolio and help protect you from economic downturns.
  • There are 12 different gold coins and 11 different silver coins that can be added to a Precious Metals IRA through Lear Capital.
  • If you have an existing IRA or other retirement plan, one of the specialists in the Individual Retirement Account Processing Department can help you set up an IRA transfer or rollover.
  • Lear Capital uses the Delaware Depository for storage of gold and silver for Precious Metals IRAs. This facility is highly secure and your pieces will be fully insured against loss, theft, or damage.
  • You can set up your account to receive notifications for price changes in gold or silver so you don't miss out on the right opportunity to purchase more precious metals.

Pros

  • Compared with some other Precious Metals companies, Lear Capital offers a large selection of silver and gold coins for you to choose from.
  • They have a dedicated team of experts who can help you set up a new Precious Metals IRA or transfer/rollover your existing retirement plan into a Precious Metals IRA.
  • Gold and silver coins and bars for Precious Metals IRAs are securely stored in the Delaware Depository, and IRS-approved storage facility that utilizes state-of-the-art security measures and provides insurance for your investments.

Cons

  • You may find that some of the coins available for purchase through Lear Capital are more expensive that what other sites offer.

Final Thoughts

Lear Capital can help you diversify your portfolio and set you up for financial security in your future. They offer a wide selection of gold and silver coins and bars, many of which can be added to a Precious Metals IRA.

If you've been looking for a way to set yourself up for financial success when you retire, investing some of your money into a Gold or Precious Metals IRA through Lear Capital is a great idea. The price of gold or silver is not tied to economic success, like the stock market, so you can feel confident that your investment will still be highly valuable when you are ready to retire.

Retirement may seem like it is far away, but the sooner you start preparing, the better off you'll be. Visit Lear Capitals website today to start the process of setting up a new Gold IRA or rolling over your existing retirement plan!