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Last updated: July 3, 2026 · By Gold California Editorial
Quick answer: A mutual fund is an open-end investment company that pools money from many investors, calculates a single net asset value (NAV) once a day, and passes dividends and capital gains through to shareholders. A gold IRA is a self-directed retirement account that holds IRS-approved physical bullion at an approved depository under 26 U.S.C. Section 408(m)(3). A mutual fund can sit inside a traditional or Roth IRA at a brokerage; physical bullion cannot sit inside a standard mutual fund. Inside an IRA wrapper, both share the 2026 contribution cap of $7,500 (plus a $1,100 catch-up at age 50 and over), the 10% federal early-withdrawal tax under age 59.5, and the California 2.5% additional tax on FTB Form 3805P. Outside an IRA, mutual funds report distributions on Form 1099-DIV; California taxes all capital gains as ordinary income at up to 13.3% combined. Neither product carries FDIC insurance on its market value. Nobody can predict where fund NAVs or gold prices will go. Consult a licensed advisor for your specific situation.
Short on time? The essentials
- A mutual fund is an open-end investment company registered with the SEC that pools investor money and prices shares at NAV once a day, per FINRA.
- A gold IRA is a self-directed IRA whose owner directs the account to hold IRS-approved physical bullion at an approved depository, per IRC 408(m)(3).
- The SEC states, verbatim, that "Mutual funds are not guaranteed or insured by the FDIC or any other government agency"; physical bullion at a depository is not FDIC insured either.
- For 2026 the IRA contribution limit is $7,500, plus a $1,100 catch-up at age 50 and over, whether the IRA holds mutual funds or physical bullion.
- Early distributions from an IRA before age 59.5 stack a federal 10% additional tax and a California 2.5% additional tax on FTB Form 3805P, for a 12.5% combined penalty layer.
- Outside an IRA, mutual funds send investors Form 1099-DIV; qualified dividends and long-term capital gain distributions can qualify for the 0%, 15%, or 20% federal rates under IRS Pub 550.
- California does not have a preferential rate for capital gains: the FTB states all capital gains are taxed as ordinary income, up to 12.3% plus a 1% Mental Health Services Tax over $1,000,000.
- Sold outside an IRA, physical bullion is a collectible taxed at the federal maximum rate of 28% on the long-term gain, and at California ordinary income rates on the state side.
- Mutual fund fees include operating expenses in the fund prospectus and, for some share classes, sales loads or 12b-1 fees; the SEC states even small fee differences can translate into large differences in returns over time.
- Gold IRA costs include a setup fee, an annual custodian fee, an annual depository storage fee, and a dealer bid-ask spread on each purchase and sale.
- The main sales-tactic risk on the gold side is a high-markup coin pitch; the CFTC Red Rock Secured consent order documented markups of 91.89% to 129.97% over common bullion.
This page sits beside our main California gold IRA guide and the sibling gold IRA vs a Traditional IRA comparison. Below we set mutual funds and a gold IRA side by side on the facts a California saver actually needs.
We cover what each is, how the SEC and FINRA define them, how the IRS and California tax each, and how the IRA wrapper changes the answer. We also cover the real risks and who each one is not for. Every figure traces to an IRS, SEC, FINRA, CFTC, or California FTB source, cited inline.
What is a mutual fund and what is a gold IRA?
A mutual fund is a pooled investment product. A gold IRA is an account structure. The two are not directly interchangeable, but a California saver can hold mutual funds inside a traditional or Roth IRA at a brokerage. Physical bullion cannot sit inside a standard mutual fund. That framing is where most confusion begins.
A mutual fund is an open-end investment company
FINRA states, verbatim: "A mutual fund is a type of investment company, known as an open-end fund, that pools money from many investors and invests it based on specific investment goals" (source: FINRA, Mutual Funds). The SEC adds that mutual funds are managed by investment advisers who are registered with the SEC.
FINRA states, verbatim: "Mutual funds calculate the value of one share, known as the net asset value (NAV), only once a day, when the investment markets close. All purchases and sales for the day are recorded at that NAV." A share represents a proportional slice of the fund's underlying investments.
A gold IRA is a self-directed retirement account
A gold IRA is a self-directed IRA whose owner directs the account to buy IRS-approved physical bullion (gold, silver, platinum, or palladium) that meets a fineness standard. The metal must be held in the physical possession of an IRS-approved trustee at an approved depository, not at your home (source: 26 U.S.C. Section 408(m)(3)). American Gold and Silver Eagles qualify under a separate U.S.-coin carve-out at 408(m)(3)(A).
A gold IRA has no NAV and no interest coupon. Its dollar value moves with the global spot price of the underlying metal. That is the core structural difference from any open-end mutual fund, which prices once a day and passes through dividends and capital gains.
What mutual fund categories exist and how are they taxed?
Not all mutual funds are the same. A California saver comparing mutual funds to a gold IRA is really comparing several distinct fund categories, each with its own tax treatment and its own risks.
Stock (equity) mutual funds
Stock funds invest primarily in stocks. The SEC states a stock fund's value "can rise and fall quickly (and dramatically) over the short term." Distributions to the shareholder come as ordinary dividends, qualified dividends, and capital gain distributions, each reported on Form 1099-DIV (source: IRS Publication 550).
The IRS states, verbatim: "Qualified dividends are the ordinary dividends that are subject to the same 0%, 15%, or 20% maximum tax rate that applies to net capital gain." The dividend must be paid by a U.S. corporation or a qualified foreign corporation, and you must meet the 60-day holding-period test spelled out in Pub 550.
Bond (income) mutual funds
Bond funds invest primarily in bonds or other debt securities. FINRA notes a bond fund may concentrate on a particular type of bond. Distributions are typically ordinary dividends for federal tax on Form 1099-DIV. The share attributable to U.S. Treasury interest passes the state-tax exemption through to California residents; ask the fund sponsor for the annual U.S. government interest percentage for Schedule CA (540). See our gold IRA vs bonds page for the bond-side detail.
Money market mutual funds
Money market mutual funds hold short-term securities. Their distributions are reported on Form 1099-DIV as dividends, not as bank interest. The FDIC states, verbatim, that mutual funds are on the list of "Financial Products That Are NOT Insured by the FDIC" (source: FDIC, Financial Products That Are NOT Insured). A money market mutual fund is not the same product as a bank money market deposit account, which is FDIC insured up to $250,000 per depositor per bank.
Index vs actively managed funds
The SEC states, verbatim: "Index funds follow a passive investment strategy that is designed to achieve approximately the same return as a particular index before fees." Actively managed funds try to outperform a benchmark. The SEC adds that active management "usually translates into" more trading, more taxable events in a taxable account, and higher fees than a comparable index fund.
A note on gold mutual funds
A fund described as a gold mutual fund almost always holds mining-company equities and cash, not physical bullion. It is a security, not metal. Under 26 U.S.C. Section 408(m)(3), IRA-eligible bullion must be in the physical possession of an approved trustee. A mutual fund share does not satisfy that physical-possession test. If your goal is to hold physical bullion inside a retirement account, a gold mutual fund is not the same product as a gold IRA.
Do the same IRA rules apply to both?
Yes for the wrapper. If you hold mutual funds or physical bullion inside a traditional or Roth IRA, the federal rules in Internal Revenue Code Sections 408 and 72 govern both accounts identically.
Contribution limits are the same
For tax year 2026, the IRA annual contribution limit is $7,500, plus a $1,100 catch-up for savers age 50 and over (source: IRS, 2026 retirement plan limits). This is why most gold IRAs are funded by rollover from a prior 401(k), 403(b), or eligible public-pension refund, not by fresh contributions.
The federal early-withdrawal tax is the same
Take a distribution before age 59.5 with no qualifying exception, and the IRS adds a 10% additional tax on top of ordinary income tax (source: IRS Publication 590-B). This applies whether the traditional IRA holds mutual funds, individual stocks, or physical bullion.
Tax deferral inside the wrapper is the same
Inside a traditional IRA, dividends, interest, and capital gain distributions from mutual funds are not taxed as they accrue. The IRS states, verbatim, that the general Pub 550 rules on investment income "do not apply to investments held in individual retirement arrangements (IRAs), section 401(k) plans, and other qualified retirement plans." Only distributions to the account owner are taxable. The same deferral applies to price changes on IRA-held bullion.
Required minimum distributions are the same
Traditional IRAs, including mutual fund IRAs and gold IRAs, must begin required minimum distributions at age 73 today; the start age rises to 75 in 2033 for people born in 1960 or later (source: IRS RMD FAQs). Roth IRAs carry no owner-lifetime RMD. Neither the asset nor the custodian type changes this rule.
Custodian type is different in practice
Every IRA needs an IRS-approved trustee or custodian. For a mutual fund IRA, a brokerage or fund sponsor typically serves as the custodian and gives you access to thousands of funds across share classes. For a gold IRA, a specialized self-directed IRA custodian pairs with an approved depository (source: IRS Issue Snapshot on collectibles).
Most gold IRA custodians do not offer mutual funds. Most brokerage IRAs cannot hold physical bullion. Choosing "mutual funds" or "a gold IRA" also chooses the custodian type.
How does California tax each account?
California treats IRA distributions as ordinary income. The state has 9 progressive brackets topping at 12.3%, plus a 1% Mental Health Services Tax on taxable income over $1,000,000, for an effective top combined rate of 13.3% (source: California Revenue and Taxation Code, FTB rate schedules).
California adds 2.5% on early distributions
California layers a 2.5% additional tax on top of the federal 10% for early distributions before age 59.5. The rate is reported on FTB Form 3805P and applies unless a listed exception fits. The state 2.5% and the federal 10% together create a 12.5% combined penalty layer before ordinary income tax.
California and mutual fund capital gains outside an IRA
Outside an IRA, mutual fund capital gain distributions and share-sale gains can qualify for the federal 0%, 15%, or 20% long-term rates under IRS Pub 550. California does not follow that federal preference. The FTB states, verbatim: "California does not have a lower rate for capital gains. All capital gains are taxed as ordinary income" (source: California FTB, Capital gains and losses).
A California resident selling a stock mutual fund at a gain in a taxable account therefore reports the gain on Schedule CA (540) and pays California ordinary income tax at their marginal rate. Qualified dividends also count as ordinary income for California purposes.
California and Treasury income inside a bond mutual fund
Interest on U.S. Treasury bonds, notes, and TIPS is subject to federal income tax and exempt from all state and local income tax, per IRS Topic 403. Inside a bond mutual fund, the Treasury-attributable share of the fund's ordinary dividends can pass that state exemption through to California residents. The fund sponsor publishes an annual U.S. government interest percentage. California requires this breakdown on Schedule CA.
California and physical gold outside an IRA
Physical bullion sold outside an IRA is treated as a collectible for federal capital gains, taxed at a maximum federal rate of 28% on long-term gain (source: IRS Publication 550). California does not apply a separate collectibles rate. Capital gains flow into California AGI as ordinary income. Inside an IRA, that federal collectibles characterization does not apply; distributions are ordinary income for both federal and California purposes.
How do returns and risks compare?
The two products are exposed to different kinds of risk. Neither offers a guarantee of a positive return in any period.
Mutual fund returns and mutual fund risks
The SEC states, verbatim: "Mutual funds are not guaranteed or insured by the FDIC or any other government agency. They therefore all carry some level of risk. You may lose some or all of the money you invest because the investments held by a fund can go down in value." Past performance does not predict future returns.
Investors earn from mutual funds three ways: dividend payments, capital gains distributions, and a rising NAV. Fund performance depends on the underlying holdings; a stock fund concentrated in one sector will move with that sector, and a small-cap fund will move with small-cap equities. The SEC underlines that different funds have different risks and rewards depending on their objectives.
Gold IRA returns and gold IRA risks
A gold IRA holds an asset whose dollar value moves with the global spot price. It pays no coupon and has no NAV. The wrapper is what defers tax. Bullion returns depend on where gold trades in the future, and nobody can accurately predict that.
The main sales-tactic risk in the gold IRA channel is a high-markup coin pitch. In a joint federal action, the U.S. District Court for the Central District of California entered a consent order against Red Rock Secured requiring more than $56,000,000 in restitution, disgorgement, and civil penalties. The court found markups on the premium coins sold to customers ran between 91.89% and 129.97% over common bullion (source: CFTC Release 8898-24). California DFPI was a co-plaintiff.
Diversification as the SEC defines it
The SEC states, verbatim: "diversification, the practice of spreading money among different investments to reduce risk. Diversification is a strategy that can be neatly summed up as: Don't put all your eggs in one basket" (source: SEC Investor.gov, Asset Allocation and Diversification). The SEC also states that the asset allocation decision is a personal one. We do not extend that quote into a recommendation for the reader. A licensed advisor can weigh the fit for your specific situation.
How do fees and liquidity differ?
A mutual fund passes its running costs through to the shareholder inside the NAV. The SEC states, verbatim: "A fund with high costs must perform better than a low-cost fund to generate the same returns for you. Even small differences in fees can translate into large differences in returns over time." FINRA offers the Fund Analyzer tool to compare costs across funds.
What a mutual fund typically charges
The SEC lists mutual fund operating expenses as investment advisory fees, marketing and distribution expenses (12b-1 fees), brokerage fees, and custodial, transfer agency, legal, and accountants' fees. Some share classes also charge a front-end sales load (Class A), a deferred sales load (Class B or C), or higher 12b-1 fees. All classes of a fund hold identical investments; the SEC states, verbatim, that each class "will have different performance results" because of the different fees.
Read the standardized fee table near the front of the fund's prospectus before you invest. Redemption fees can also apply on very short holding periods.
What a gold IRA typically charges
A gold IRA carries a one-time setup fee, an annual self-directed IRA custodian fee, an annual storage fee at the depository, and a dealer bid-ask spread on each purchase and sale. The dealer spread is usually the largest lifetime cost and the one most often understated by the sales script. See gold IRA fees explained for California savers for a line-item walkthrough.
Liquidity has different shapes
A mutual fund shareholder can redeem shares at the next-calculated NAV on any business day, minus any redemption fee, per FINRA. Settlement is generally next business day. A gold IRA holder selling bullion has to quote a dealer, accept the bid, wait for settlement, and then process the IRA distribution through the custodian. Neither is a same-day, no-cost exit at your desired price.
Side-by-side criterion table
| Criterion | Mutual funds inside a brokerage IRA | Gold IRA at an approved depository |
|---|---|---|
| Account structure | Traditional or Roth IRA at a brokerage, bank, or fund sponsor | Self-directed traditional or Roth IRA (specialty custodian) |
| Asset held | Open-end investment company shares (stock, bond, money market, or blended funds); priced at NAV once daily | IRS-approved physical bullion (gold .995, silver .999, platinum or palladium .9995) plus American Eagles |
| Statutory basis inside an IRA | General IRA framework at 26 U.S.C. 408 | Explicit carve-out at 26 U.S.C. 408(m)(3), plus U.S.-coin carve-out at 408(m)(3)(A) |
| Federal deposit insurance | Mutual fund NAV value is not FDIC insured (SEC verbatim); SIPC protects brokerage assets against broker-dealer failure up to $500,000 | Not a bank deposit and not a security at a broker-dealer; depositories carry private commercial insurance |
| Return structure | Dividends, capital gains distributions, and NAV changes (SEC verbatim) | No dividend and no NAV; dollar value tracks the global spot price |
| Federal tax on distributions outside an IRA | Form 1099-DIV; qualified dividends and long-term capital gain distributions at 0%, 15%, or 20% (Pub 550) | Not applicable (bullion pays no distribution; the sale is a collectibles capital gain up to 28% federal) |
| California tax on gains outside an IRA | All capital gains taxed as ordinary income; no California preferential rate (FTB verbatim) | California ordinary income on the collectible gain; no separate California collectibles rate |
| 2026 IRA contribution limit | $7,500, plus a $1,100 catch-up at age 50 and over | $7,500, plus a $1,100 catch-up at age 50 and over |
| Early distribution before 59.5 (California) | 10% federal plus 2.5% California, 12.5% combined, on FTB Form 3805P | 10% federal plus 2.5% California, 12.5% combined, on FTB Form 3805P |
| Required minimum distributions | Yes from age 73 (75 from 2033); none if Roth | Yes from age 73 (75 from 2033); none if Roth |
| Typical fees | Fund expense ratio, potential sales load (A/B/C classes), potential 12b-1 fee, redemption fee on short holds | Setup fee, annual custodian fee, annual depository storage fee, dealer bid-ask spread on each buy or sell |
| Home storage | Not applicable (custodian holds the shares) | Not permitted; the trustee must hold physical possession under 408(m)(3) |
Sources: SEC Investor.gov (Mutual Funds; Mutual Fund Fees and Expenses; Mutual Fund Classes); FINRA on Mutual Funds; IRS Publication 550; IRS Publication 590-B; IRS Issue Snapshot on collectibles; 26 U.S.C. Section 408; California FTB Capital Gains and FTB Form 3805P; CFTC Release 8898-24. Checked June 2026.
How to choose between them, step by step
There is no single answer that fits every California saver. The sequence below is the one a careful reader can follow to reach an honest choice, and it lines up with the HowTo schema at the bottom of the page.
- Set the goal before the asset. Decide why you want a portion of retirement in mutual funds, physical bullion, or both. A pass-through of dividends and NAV growth from a diversified portfolio and direct exposure to a physical metal are different goals and pull toward different products.
- Confirm the wrapper fits. If the money will sit in an IRA, both mutual funds and physical bullion qualify (at different custodian types). If it will sit outside an IRA, weigh the federal 0%, 15%, or 20% treatment of qualified dividends and long-term gain against the 28% federal collectibles rate on bullion.
- Match the term to your timing. If you may need cash within a year, a taxable money market mutual fund or a savings account is usually cheaper than an early gold sale plus 12.5% combined early-withdrawal taxes on the IRA side.
- Check the account rules for your age. If you are under 59.5, weigh the 10% federal and 2.5% California additional taxes on any early distribution.
- Vet the custodian and the sponsor. For mutual funds in an IRA, confirm the brokerage or fund sponsor supports the fund families and share classes you want. For a gold IRA, verify the custodian is IRS approved and the depository is named in the account paperwork.
- Compare the all-in cost. For mutual funds, read the fee table in the prospectus and use the FINRA Fund Analyzer for a multi-year cost projection. For a gold IRA, get setup, custodian, storage, and dealer-spread costs in writing to reach a realistic annual cost.
- Read the risk warnings from regulators. The SEC states mutual funds are not FDIC insured and past performance does not predict future returns. The California DFPI and CFTC have published detail on precious-metals sales tactics. Read both before you commit.
- Ask a licensed advisor before you fund. A California-licensed tax advisor can price the exit taxes; a licensed financial advisor can weigh the fit against your other holdings.
When neither belongs in your retirement plan
A balanced read has to name when both choices work against you. For several California savers, the honest call is neither.
- You may need the money within a few months. Mutual fund shares sold in a taxable account settle at NAV, but a bad market close can turn a planned gain into a loss on the same day. A gold IRA before age 59.5 stacks the 10% federal and 2.5% California additional taxes on top of the dealer sale. A plain savings account is usually cheaper.
- Small balances against the fee drag. Setup, annual custodian, storage, and dealer spread on a gold IRA are largely fixed. A small mutual fund position in a taxable account is usually cheaper than opening a specialty IRA. Weigh both against the fee floor. Use the FINRA Fund Analyzer for the mutual fund side.
- You are chasing a guaranteed real return. The SEC states mutual funds "therefore all carry some level of risk" and "you may lose some or all of the money you invest." The CFTC has documented that nobody can accurately predict precious-metals prices. Neither product guarantees a real gain after inflation.
- You need federal deposit-style cover on the asset value. Mutual fund shares are not FDIC insured; physical bullion at a depository is not FDIC insured either. If a federal insurance backstop on principal is a hard requirement, a CD at an insured bank or credit union is the option that provides it, up to $250,000 per depositor per bank.
- You are being pressured to buy premium coins. A pitch that steers you toward a "premium" or "proof" coin with a high spread over the spot price is a red flag. The Red Rock Secured court order documents markups from 91.89% to 129.97% over common bullion. Slowing down is the sensible call. Read the California gold IRA red-flag guide before you sign.
- You want to trade intraday. A mutual fund only prices once a day at NAV per FINRA. A gold IRA is meant for medium- to long-term holds. If you may reallocate at market open and close, neither is a good fit. An ETF in a taxable brokerage account is a different animal.
If one of these fits your situation, slowing down is the sensible call. The combined early-withdrawal taxes, the fund fee drag, and the fixed annual costs on the gold side each punish a short or small position more than most savers expect.
Mutual funds vs gold IRA questions, answered
Are mutual funds safer than a gold IRA?
The two carry different risks. The SEC states, verbatim, that mutual funds are not guaranteed or insured by the FDIC or any other government agency, and you may lose some or all of the money you invest. A stock mutual fund can drop with the broad market; a bond fund can drop with rates.
A gold IRA carries spot-price risk, dealer-spread risk, and has no federal deposit insurance on the metal value. It depends on private depository insurance. Which risk fits you depends on your goal, time horizon, and other holdings; a licensed advisor can weigh the fit.
Can I hold mutual funds inside a traditional or Roth IRA?
Yes. A brokerage IRA or a fund-sponsor IRA can hold stock funds, bond funds, money market funds, target-date funds, and index funds if the account supports them. Inside a traditional IRA, all income is tax-deferred at the federal level and California conforms. On distribution, the taxable amount is ordinary income to both the IRS and the FTB.
Can I hold physical gold inside a mutual fund?
No. A fund described as a "gold mutual fund" typically holds mining-company stocks and cash, not physical bullion. To hold IRS-approved physical bullion inside a retirement account, you need a self-directed IRA whose custodian pairs with an IRS-approved depository under 26 U.S.C. Section 408(m)(3). A mutual fund share does not satisfy the physical-possession requirement of the statute.
Do mutual funds get better tax treatment than a gold IRA in California?
Not automatically. The answer depends on the wrapper. Inside a traditional IRA, both are tax-deferred federally and in California, and distributions are ordinary income to both. Outside an IRA, mutual funds can pass through qualified dividends and long-term gains at federal 0%, 15%, or 20% rates. California does not follow that preference. Physical gold outside an IRA is a federal collectible up to 28%, with California ordinary income on the state side.
What happens if a mutual fund is sold at a loss inside my IRA?
Inside a traditional IRA, gains and losses on mutual fund shares are not separately reportable events. Only distributions from the IRA are taxable. If you sell a fund at a loss inside the IRA to reallocate, no capital loss deduction flows to your Form 1040; the loss simply reduces the IRA's balance. If you take money out under age 59.5, the federal 10% and California 2.5% additional taxes apply on the distribution.
Are money market mutual funds the same as bank money market accounts?
No. A money market mutual fund is a security registered under the Investment Company Act and pays "dividends" that are reported on Form 1099-DIV. It is not FDIC insured; the SEC and FDIC both state this. A bank money market deposit account is a bank deposit and is FDIC insured up to $250,000 per depositor per bank. The two share a name and a general use case, not a legal or insurance framework.
Do I pay California tax on qualified dividends from a mutual fund?
Yes, at ordinary California rates. The federal preferential rate for qualified dividends (0%, 15%, or 20%) is a federal-only carve-out under IRS Pub 550. California does not follow that preference for capital gains, and the FTB position is that dividends are ordinary income on Schedule CA (540). Your California marginal rate applies.
Which one is right for me?
We cannot answer that for you. Mutual funds make sense when the goal is a professionally managed pool of securities across stocks, bonds, or short-term instruments inside a wrapper you already know. A gold IRA makes sense when the goal is holding IRS-approved physical bullion inside a retirement account and you have accepted the fee and price-volatility trade-offs. Consult a licensed financial advisor and a California-licensed tax advisor.
Sources
- U.S. Securities and Exchange Commission, Investor.gov, Mutual Funds. Checked June 2026.
- U.S. Securities and Exchange Commission, Investor.gov, Mutual Fund Fees and Expenses. Checked June 2026.
- U.S. Securities and Exchange Commission, Investor.gov, Mutual Fund Classes. Checked June 2026.
- U.S. Securities and Exchange Commission, Investor.gov, Asset Allocation and Diversification. Checked June 2026.
- Financial Industry Regulatory Authority, Mutual Funds. Checked June 2026.
- Financial Industry Regulatory Authority, Fund Analyzer. Checked June 2026.
- IRS, Publication 550, Investment Income and Expenses. Checked June 2026.
- IRS, Publication 590-B, Distributions from Individual Retirement Arrangements. Checked June 2026.
- IRS Newsroom, 2026 retirement plan and IRA limits (Notice 2025-67). Checked June 2026.
- IRS, Required Minimum Distributions FAQs. Checked June 2026.
- IRS, Investments in collectibles in individually directed qualified plan accounts (Issue Snapshot). Checked June 2026.
- Cornell Legal Information Institute, 26 U.S.C. Section 408 (IRA framework and collectibles carve-out). Checked June 2026.
- California Franchise Tax Board, Capital gains and losses. Checked June 2026.
- California Franchise Tax Board, Form 3805P instructions (Additional Taxes on Qualified Plans). Checked June 2026.
- Federal Deposit Insurance Corporation, Financial Products That Are NOT Insured by the FDIC. Checked June 2026.
- Commodity Futures Trading Commission, Release 8898-24, Red Rock Secured consent order. Checked June 2026.
- California Department of Financial Protection and Innovation, Submit a Complaint. Checked June 2026.
