Investment & Risk Disclosure

Precious metals prices fluctuate based on global supply and demand, currency values, interest rates, geopolitical events, and investor sentiment. The value of your holdings can rise or fall, sometimes significantly, over short or long periods. Past performance does not guarantee future results.

Physical metals are typically bought at an “ask” price above spot and sold at a “bid” price at or below spot. This spread, along with dealer premiums, means metals generally must appreciate beyond the spread before a sale produces a gain. Liquidity varies by product and market conditions.

Certain collectible or semi-numismatic products carry premiums above their metal content and may not track spot prices. Resale values depend on collector demand and are not guaranteed.

IRA eligibility, contribution limits, distributions, required minimum distributions, and tax treatment are governed by IRS rules and can change. Only IRS-approved metals held with an approved custodian and depository are permitted. Fees for setup, storage, and administration apply. Review suitability and tax consequences with qualified professionals before establishing or funding an IRA.

ICBR is not affiliated with the U.S. Mint, the U.S. Treasury, or any government agency. Precious metals are not FDIC-insured, are not bank deposits, and are not guaranteed by any government.

No statement made on this website or by an ICBR representative is a guarantee of profit or protection from loss. You should invest only funds you can afford to hold long-term.

Precious metals may not be suitable for every investor. Consider your objectives, time horizon, liquidity needs, and overall financial situation, and consult qualified tax, legal, and financial professionals before investing.