IRA-Approved Gold and Silver

✅ Gold Allowed in an IRA

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Gold must meet a minimum fineness of 99.5% (or .995). Common approved forms include:

• American Gold Eagle coins


• Canadian Gold Maple Leaf coins


• Australian Kangaroo/Nugget coins


• Gold bars and rounds produced by NYMEX or COMEX-approved refineries


• Gold Buffalo coins (must be uncirculated and non-proof)

✅ Silver Allowed in an IRA

Silver must have a minimum fineness of 99.9% (or .999). Approved silver forms include:

• American Silver Eagle coins


• Canadian Silver Maple Leaf coins


• Austrian Philharmonic coins


• Silver bars and rounds from approved refineries

⚠️ General Rules

Metals must be held in the custody of an IRS-approved trustee or custodian (not at home).




Collectibles are not allowed — that includes rare or numismatic coins.




All metals must be produced by a national government mint or accredited refiner.