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The IRS has specific purity requirements. Here's exactly what qualifies—and what doesn't.
The IRS allows certain precious metals in Self-Directed IRAs—but not all metals. Products must meet specific purity standards and come from approved sources. The rules exist to ensure you're buying investment-grade bullion, not collectibles with inflated premiums.
Exception: American Gold Eagles (.9167) are specifically exempted by Congress.
Collectible coins, numismatics, proof sets marketed for "rarity," and any gold below .995 fineness (except American Eagles) are not IRA-eligible. Some dealers push these products with higher margins. We don't sell them.
Congressional exemption allows .9167 fineness. Government-guaranteed weight. Most recognized gold coin in the U.S.
.9999 fine gold—among the purest gold coins available. Security features include micro-engraving.
Must be .995+ fine from COMEX-approved refiners (PAMP, Valcambi, Credit Suisse, etc.). Lower premiums than coins.
.999 fine silver. Government-guaranteed. Most traded silver coin globally. Higher premium but maximum liquidity.
.9999 fine silver—highest purity available. Radial lines security feature. Moderate premium.
.999+ fine from approved refiners. Lowest premium per ounce. Best for large positions. Note: Silver is bulkier than gold.
Platinum trades below gold currently—unusual historically.
Palladium is highly volatile. Most clients keep it as a small IRA allocation.
All IRA precious metals must be stored in an IRS-approved depository. You cannot take physical possession while the metals are in your IRA (this would be considered a distribution and trigger taxes/penalties).
We work with multiple depositories and can help you choose based on location, fees, and insurance coverage.
We'll help you understand which products fit your IRA, compare premiums and liquidity, and explain the storage considerations.