Gold Coins vs Bars in an IRA

Both certain coins and qualifying bullion bars can be eligible for IRA ownership, but the product choice can affect pricing, spreads and liquidation.

Coins

Specific coins are explicitly addressed in federal rules, while other coin products may not qualify. Some coins also carry premiums above their metal content.

Bars

Qualifying bullion bars may offer different premiums and sizes. Eligibility and custody requirements still apply.

Compare transaction economics

For either format, ask for the purchase price and same-day repurchase price of the exact item. Avoid assuming a higher-premium product is automatically a better investment.