An in-service distribution allows investors to move a portion of their 401k funds to a Gold IRA while still employed with their current company. This option provides flexibility for individuals who want to diversify their investments without leaving their job or reaching the typical retirement age. With an in-service distribution, the employer's 401k plan must offer this option to eligible participants. Eligibility criteria may vary, so it's essential to review the specific rules of your employer's plan. If you meet the requirements, you can request to transfer a portion of your 401k funds to a self-directed Gold IRA while continuing to work for your employer.