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Gold In Your IRA

What Coins Qualify to be Included in Your IRA ?

There are thousands of different gold coins on the national and international market - how do you know what is allowed in an IRA? Here are some quick tips and examples.

In general, coins that quality to be included in your IRA must meet minimum fineness requirements, ( the purity of the metal contained in the coin).
The fineness standards are as follows:

  • Gold Coins - .995+
  • Silver Coins - .999+
  • Platinum - .9995+
  • Palladium - .9995+

Any of the coins below which have been graded for condition by certification organizations and placed in tamper-proof plastic containers called “slabs”, will generally fall into the collectable category and thus are not allowed for IRAs.

The lone exception is the NGC Certified Bullion Coins, which only certify Authenticity and Fineness, and NOT grade.

If you’re not sure about this, ask your custodian or metals dealer. All US minted coins have nominal face values but the true value is based on the value of the metal in the coin

Approved Coins specifically listed in the Internal Revenue Service Code include:

ApprovedAmerican Gold Eagles

Interestingly, these US minted coins are not of sufficient purity to classify them as bullion. They are only approximately 91% pure gold. The other material in the coin offsets the softness of the gold and makes the coin more durable. Gold Eagles arrive in one of 4 forms: 1/10, ¼, ½ and 1 full ounce coins.

ApprovedAmerican Gold Buffalo coins.

First minted in 2006, they are of bullion fineness, 9999 fine (known as four nines). Note that the specially processed proof version of this coin is NOT acceptable due to the treatment raising the value of the coin beyond the value of the metal.

ApprovedAmerican Silver Eagles.

Silver Eagles land in only on form, 1 full ounce coin. They are of bullion fineness, but are only .999 (three nines) due to the addition of a touch of copper for added durability.

ApprovedAmerican Platinum Eagles.

The rarest of birds, the Platinum Eagles are minted in 4 forms: 1/10, ¼, ½ and 1 ounce coins. These are of .9995 fineness.

ApprovedOther Bullion Coins from National Mints that are Approved

* Australian Nugget (Kangaroo) Gold coins..9999 fine.
* Australian Kangaroo and Kookaburra Silver coins .999
* Australian Koala Platinum coin .9995 fine
* Austrian Philharmonic Gold coins .9999 fine
* Austrian Philharmonic Silver coins .999 fine
* Canadian Maple Leaf Gold coins .9999 fine
* Canadian Maple Leaf Silver coins .9999 fine
* Canadian Maple Leaf Platinum coins .9995 fine
* Canadian Maple Leaf Palladium coins .9995 fine
* Mexican Libertad Silver Coins .999 fine
* Isle of Man Noble Platinum coins .9995 fine

NOT ApprovedSome examples of coins that don’t meet the fineness requirements are:

Austrian Corona and Ducat, Belgian Franc, British Sovereign and Britannia, Chilean Peso, Columbian Peso, Dutch Guilder, French Franc, German Mark, Hungarian Korona, Italian Lira, Mexican Peso and Ounza, South African Krugerrand, Swiss Franc and any coin that falls into the “Rare”, and thus collectable, category.
If you’re not sure about the fineness of a particular coin, call us at 302-765-2760 or email us at

NGC Certified Bullion

NGC Certified BullionNGC Authenticated Bullion offers a number of advantages over uncertified bullion coins. The coins certified by NGC are guaranteed to be genuine. Bullion coins encapsulated by NGC are examined by numismatic experts who confirm their authenticity. On the NGC label, metal weight and fineness are simply and uniformly described. Regardless of the date, country or denomination of the bullion coin enclosed, you can see exactly how much precious metal it contains.

NGC also assigns a unique serial number to every coin making it easy for you to track individual bullion coins. That means that you can easily manage your rare coin inventory and identify items that are stored with a custodian. For additional security, NGC also maintains independent records of serial numbers along with coin descriptions.

Finally, every coin is encapsulated in state-of-the-art coin holder. The NGC holder is composed of the highest quality preservation-grade materials suitable for very long term storage. And every holder features a high-secure hologram and is sonically welded to assure a secure and tamper-evident seal.

Metal and Purity Terminology for Authenticated Bullion Coins
Bullion coins are struck in either a single pure metal or an alloy, a mix of metals. The weight shown on the NGC Authenticated Bullion label refers to the actual weight of the named metal and not the total weight of the coin. In other words, it provides the weight of the pure metal so that you immediately know the important precious metal content of the enclosed coin.

Weight is shown in the holder using Troy Weight Standards, which is the standard measuring unit for precious metals. The weight is followed by an acronym indicating the metal type:

ASW Actual Silver Weight
AGW Actual Gold Weight
APtW Actual Platinum Weight
APdW Actual Palladium Weight

1 Troy Ounce (abbreviated Oz) = 31.103 Grams = 480 Grains
The metal fineness is also provided to the thousandth place. Fineness is the measure of the total unit mass that is derived from the metal described. For example, bullion coins that are 90% gold by weight are .900 Fine Gold.

SILVER - $3/coin $3.50/coin for quantity under 500 per submission
GOLD, PLATINUM, PALLADIUM - $5/coin $5.50/coin for quantity under 50 pieces

This service is not available in conjunction with coins being screened for grading. Should submitter want 69 grade coins encapsulated with Authenticated Bullion label, regular 69- grade pricing applies. Certain coins may not be encapsulated at NGC’s discretion. No reject fees apply.

Applicable coin types: Modern-issue bullion coins, US and World, such as Eagles, Buffaloes, Koala, Kangaroos, Pandas, Krugerrands, Philharmonics, etc. Must be minted by sovereign authority; private issue bullion is not accepted