Rare Metal Blog suggests that If you are thinking of investing in gold and silver, you cannot make a conversion if you have not met the plan's time requirements. These requirements vary from plan to plan but often require you to work there for at least two years. Also, if you are younger than age 59 ½ you can make a conversion if you separate within the first two years of employment after opening the account, but you will be subject to ordinary income taxes on all earnings plus a 10% penalty. Contact Us: Rare Metal Blog Address: 420 5th Ave, New York, NY 10018, USA Phone: 435-884-3102 Email: admin@raremetalblog.com