Equity Trust Review


Equity Trust is a well-established self-directed IRA custodian that has been in business for the past three decades and currently manages more than $25 billion in assets.

Investors can put their money into a wide range of assets, including real estate, tax liens, private loans, and private placements.

It offers a wide variety of alternative investments and has educated advisors, which makes it superior to other companies in many respects. These advisors assist clients in vetting investments and also offer services related to account support.

Company Background

Equity Trust boasts a long-standing presence in the industry, with over 45 years of experience in self-directed retirement accounts. As a custodian, they facilitate alternative investments within IRAs, enabling investors to diversify beyond traditional assets like stocks and bonds. Their commitment to innovation and customer empowerment sets them apart from other financial institutions.

Product Options Available from Equity Trust

Equity Trust is a custodian of alternative assets for retirement and other tax-advantaged accounts that have been approved by the Internal Revenue Service (IRS). It has over 130,000 user accounts and over 10,000 agreements with financial advisers, and it caters to both individual investors and institutional investors with its range of services.

Within a wide variety of tax-advantaged accounts, Equity Trust is an industry leader in the safekeeping of alternative investments such as real estate, notes, hedge funds, managed futures, gold, and cryptocurrency. These forms of investments are referred to as “alternative investments.” Individual retirement accounts (IRAs) of various varieties, such as regular IRAs, Roth IRAs, Flex IRAs, and 401(k)s, can fall into this category. 

The Internal Revenue Service gave Equity Trust its first approval as a non-bank-directed custodian in 1983, and since then, the company has evolved to become one of the most recognized businesses in the sector. It maintains a wide variety of strategic connections with many of the most highly regarded gold IRA firms. The Better Business Bureau has awarded Equity Trust with an A+ rating on multiple occasions. 

A User’s Perspective on Equity Trust

Individuals, their financial advisors, and brokers, as well as institutions, are some of the clients that Equity Trust serves in its capacity as an IRA custodian. Custodians are companies that are subject to a great deal of regulation and follow numerous criteria and regulations for custodial accounts. 

Since Equity Trust is a directed custodian, it does not offer advice on matters about taxes, the law, or investments. Additionally, it does not support or promote any items related to investments. Instead, it collaborates with investors or their dedicated teams to educate and provides new technology and custody of self-directed individual retirement accounts (IRAs). 

Individual investors have a method to get more control over their investment decisions and financial objectives through the use of Equity Trust. They get the ability to invest their retirement assets in alternative investments such as real estate, peer-to-peer lending solutions, foreign currencies, and cryptocurrencies by utilizing Equity Trust. These investments can be made in addition to traditional investments such as stocks, bonds, and mutual funds. 

Through Equity Trust, companies can establish retirement savings plans or tax-advantaged investment accounts for their staff members. Additionally, institutions and investment experts can give superior service to their customers as a result of the investment options offered by Equity Trust. 

Equity Trust Accounts

Equity Trust provides individual investors, financial professionals, and institutions with access to a comprehensive selection of investment products as well as accounts that provide favorable tax treatment.

IRA accounts that are traditional

A retirement account that provides tax breaks upon withdrawal is known as a classic individual retirement account, or IRA. You contribute pre-tax funds and access tax deductions. 

You won’t owe any taxes on the growth of your investments, and after you reach 59 and a half years old, you’ll be able to start taking withdrawals. If you decide to withdraw funds before the specified time, you can be subject to a penalty. Because withdrawals made during retirement are subject to income tax, this account is optimal for people who expect to be in the same or a lower tax bracket when they reach their golden years. 

401(k) Roth IRA

The primary difference between Roth IRAs and standard IRAs is that contributions to a Roth IRA can be made with after-tax income. To put it another way, you will be required to pay income taxes on your savings at present, but withdrawals made when you retire will be almost tax-free. If you are 49 years old or younger, the maximum annual contribution you can make is $6,000. If you are 50 years of age or older, this restriction will increase to $7,000.

Simplified Employee Pension, sometimes known as a “SEP,”

A plan known as a Simplified Employee Pension (SEP) provides business owners with the opportunity to make contributions to the retirement accounts of their employees in addition to their savings for retirement. SEP IRAs are the accounts into which most contributions are made.

(SIMPLE) stands for the Savings Incentive Match Plan for Employees.

Either an employer or a self-employed person can establish this kind of retirement plan. It makes it possible for qualifying employees and employers to make contributions to a Simplified Employee Retirement Account (SIMPLE IRA). It is an excellent option for sole entrepreneurs or small enterprises that do not provide their employees with access to a standard retirement plan. 

Solo 401(k)

Solo 401(k)s are retirement funds that have been developed specifically for those who are self-employed or who own firms that have no full-time employees other than the business owner and their spouse. It is possible to contribute up to $61,000 in pre-tax money, and the contribution cap will increase to $61,000 in 2022. If you are 50 years of age or older, this maximum will climb to $66,500.

Custodial Services

Savings accounts called custodial services, also referred to as custodial accounts, are ones that adults open on behalf of beneficiaries who are frequently minors or people under the age of 21. A child can open what is essentially an investment account in their name, but an adult will manage it, and the child won’t be able to access the money in the account until they reach a certain age. Custodial accounts can be used for a variety of purposes, including retirement, education, and general savings. 

HSA stands for “health savings account.”

These medical savings accounts come with favorable tax treatment because they are designed to assist individuals in meeting certain requirements for medical expenses. Contributions are made on a pre-tax basis and can be applied toward the coverage of expenditures like deductibles, copayments, and coinsurance premiums. The maximum allowable contributions for an individual plan with self-only coverage are $3,650, while those for family plans are $7,300.

Coverdell Education Savings Accounts (also known as CESAs) are available.

This is an investment account that offers favorable tax treatment to help pay for a child’s future education. The contributions are made on a pre-tax basis and can be used for anything from housing and textbooks to tuition and housing costs. The maximum amount that can be contributed each year is capped at $2,000.

Pros and Cons


  • Numerous alternative investments
  • High-quality customer service company.
  • Its transaction-free costs make it cheaper than most custodians.
  • Professional investment advisors.
  • Freely educates investors. 
  • Processes streamlined. 


  • No check writing.
  • No individualized advice. Its advisors don’t customize strategies for clients. These counselors act broadly.


Equity Trust has established itself as a leading provider of self-directed retirement accounts, offering investors the freedom to diversify their portfolios through alternative assets. With its extensive investment options, commitment to customer service, and educational resources, Equity Trust empowers individuals to take control of their financial future. While investors should carefully consider the associated fees, the potential benefits of self-directed investing make Equity Trust a compelling choice for those seeking to expand their investment horizons and achieve their long-term financial goals.

So you have decided to buy silver online.

Great choice. Let’s talk about silver.

Silver is exceptionally popular today. Part of the reason for this is the belief that it’s potential for upside value increase is even greater than the same belief in gold. In fact, there is a very good book on this subject entitled: “ Why Silver Will Outperform Gold by 400% in the coming years”. It’s a very scholarly book and quite convincing. Give it a read if you have the time.

Silver Bullion Prices

Mind you, one need not look as far as that book to find evidence of the common belief that silver has great potential for growth in the near future. All one has to do is go to the web or even Youtube and there are advocates of this thought at every turn.

At Durham Precious Metals we believe that silver is an easy choice because it gives a sense of substance due to its lower cost per ounce than gold.

Silver Bullion

Probably 90% of our business is silver sales so this sentiment is fairly unanimous throughout the public. 10oz bars seem to be the most popular. Generic rounds and Silver Maples seem to be the next most popular and 1oz bars a close 4th place. It is our opinion that 10 oz bars and 1oz rounds are your best value as their premium over spot is very reasonable. However, there is no wrong choice when it comes to our silver product line because we try to concentrate on product lines with low premiums anyway.

Silver has always been a form of money. There are those that will argue that silver has been demonetized but we beg to differ. All one has to do is refer to the (CCRA) definition for 999 bullion. It is deemed by Rev Can to be a “ financial instrument”. Enough said on that subject!

Best Place to Buy Silver

From a utility standpoint, silver has somewhere in the neighbourhood of 60,000 industrial uses including painting the backs of mirrors to create the reflective surface to collecting radiation in solar panels. If nothing else, the lack of an above ground supply of silver ( which is relatively new historically) will keep the demand for this metal strong since for most applications there is no viable substitute.

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Can you imagine the mayhem that would ensue if all the major electronic manufacturers came grinding to a halt due to a silver shortage? It would be catastrophic to the economy. We believe that this fact alone will be a major driver of support for the silver price when the powers that be run out of tricks in their attempt to suppress the price of silver. And yes, we agree that this practice goes on in plain sight and that the regulators turn a blind eye. Let’s hope justice prevails and that the historic silver/gold ratio returns to its traditional level.

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In the meantime…keep stacking!

So you have decided to buy gold online.

Great choice! Let’s talk about gold then, shall we?

Gold is, and always has been, a favorite of collectors of precious metals. Its 6000-year history of sustaining wealth is unprecedented. The yellow metal has launched wars, bought fortunes and has been a form of money throughout that history. It is one of the densest metals and also one of the densest elements on the periodic table. It weighs in at a density of 19.32 grams per cubic centimeter. Water, by contrast, has a density of 1 gram per cubic centimeter.

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Platinum is the densest of the common 4 precious metals at 21.45 grams per cubic centimeter.

People will often ask when gold is the right choice to buy as opposed to other metals such as silver. This is a very common question. There is no easy answer that anyone can give to someone so we always boil it down to practical applications.

Gold Bullion

Consider how much of an investment you are planning to make over-all throughout the course of your precious metals buying.  If you are planning on purchasing, for example, $10,000 worth of metals and then cap your spending then it really doesn’t matter which metals you buy. The volume of the purchase will be relatively small in terms of weight and size. Our main concern and Durham Precious Metals comes down to simple things like , cost of storage, cost of shipping and bulk. We are always trying to help our customers have the best experience as metals collectors.

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For example, if you were to tell us that you are considering selling a piece of real estate and use the proceeds to buy metals then gold would be our suggestion. The reason comes down to volume and weight at this point. Several hundred thousand dollars of silver would be an incredible amount of bulk at this spend level. Hundreds of pounds of silver would be hard to store practically and would be more expensive to store as well. If you are the DIY type it would also be harder to hide than a comparable dollar amount of gold.

Keep in mind that at the time of this writing gold is about 75 times more expensive in dollar terms as the same weight of silver. That equates to 75 times less bulk per dollar spend. This will make it much easier to hide or store if you are looking at large purchase amounts.

Price of Gold?

If you are only considering a small total purchase amount either of the metals is perfectly fine. The one consideration we always emphasize for small purchase amounts really comes down to personal perception. Here is what we mean. Silver is 75 times more bulky per dollar spend. Obviously, it is going to feel a lot more substantial if you buy $5000 worth of silver and have several hundred ounces to admire than only about 3 ounces. It’s a perception thing at this point but perception matters to people since perception can make us feel a particular way about what we spend our money on.

In closing, gold and silver are both great choices and neither is wrong in terms of their value of utility. They have both had a long history as a store of wealth and that isn’t likely to change any time soon.

Buy both with confidence. Buy Gold Online

We often carry pieces that we don’t list on site so feel free to call us for an up-to-date list.

About DPM

When you consider silver value and gold value, the wise choice is to stock up today. At Durham Precious Metals we make it easy and convenient to buy silver and buy gold online.

For those who are serious about investing in gold and silver bullion, DPM is your one-stop store to buy gold and buy silver, whether it be through our website or our retail store.

Many people want to know where to buy gold and do not realize they can avoid the traffic hassle of driving into the city and visit us at DPM located in Oshawa, Ontario. See our Retail Store page for directions. Our customers are delighted with our competitive silver price. We carry mint direct silver bars, silver coins, gold bars and gold coins.

Make Durham Precious Metals your choice for gold and silver bullion.

Consider a Gold IRA as well