Qualified Charitable Distribution (QCD)
Gold IRA Glossary
A direct transfer from an IRA to a qualified charity that is excluded from your taxable income, available beginning at age 70 1/2. For 2026 the annual cap is $111,000 per person, and a QCD can count toward your required minimum distribution once RMDs begin at 73. For a Gold IRA, metals are typically liquidated to cash first, since the transfer must go directly from the IRA to the charity.
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