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    ASE vs. Buffalos - what's the play these days?

    G
    Key Takeaways
    • Most of my stash, probably 80% or so of my $75k Gold IRA portfolio , is in American Gold Eagles.
    • But I've been thinking about diversifying some of my upcoming contributions.
    • 22k, that's a straightforward argument financially.
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    Alright, so I’ve been holding a good chunk of my retirement in physical gold for a few years now, and it's been a godsend with all the uncertainty swirling around. Most of my stash, probably 80% or so of my $75k Gold IRA portfolio, is in American Gold Eagles. Feels good knowing I’ve got that government backing, especially coming from an agricultural background here in Fresno where you learn that tangible assets are king. But I've been thinking about diversifying some of my upcoming contributions.

    My dealer keeps trying to push me towards Buffalos, saying the premiums are usually a little lower and the purity can be a selling point for some buyers down the line. I get it, 24k vs. 22k, that's a straightforward argument financially. But honestly, I just like the look and feel of the Eagles more. Plus, I'm pretty comfortable with the liquidity if I ever need to cash out a portion when I eventually retire, probably in about 10-15 years. My biggest concern isn't really "selling" but more about having an asset that holds its value, full stop.

    I’m looking to drop another $10k into the IRA by end of Q3, and I'm genuinely torn. Historically, Eagles have just felt like the more "American" and therefore more secure option to me, especially when you think about the global market. But is that just sentiment? Are the lower premiums and 24k purity of the Buffalos actually enough to swing it for you guys?

    For those of you with significant holdings, especially in an IRA, what's your split between Eagles and Buffalos? Has anyone had any issues with either when it comes to storage or selling, even decades down the line? I'd love to hear some real-world experiences beyond just what my dealer tells me.

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    5 comments

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    Best Answer▲ 10 upvotes
    M
    matthew_murphy👑Elite (1m-5m)

    Hey, cool post! ASEs are definitely a solid choice for a Gold IRA, with that government backing and all. For something like a Gold IRA, I'd also look into the legal tender status of the coins. While both ASEs and Buffalos are excellent, sometimes that legal tender denomination can make a difference in certain situations. Keep stacking!

    Comments (5)

    2
    kenneth_parker💎Premium (500k-1m)Real Investor✓ Verifiedabout 2 months ago

    Interesting breakdown. Quick question on the 80% ASEs – are those all 1oz coins, or do you have a mix of smaller denominations in there too?

    6
    ronald_morris👑Elite (1m-5m)Real Investorabout 2 months ago

    Totally feel this. I've been in a similar boat, mostly ASEs for the longest time 'cause of the government backing and familiarity. But lately, I've actually started diversifying a bit into Buffalos whenever I can. The purity difference isn't huge for my overall strategy, but the slightly lower premium and the pure gold aspect is kinda appealing when I'm just adding a few more ounces here and there. Good problem to have, eh?

    6
    robert_thompson💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Interesting split! While Eagles are definitely the established choice, I've seen a shift lately towards some of the lower premium foreign mints. Especially if you're looking to acquire more ounces for your buck, like with some of the Canadian Maples or even Austrian Philharmonics. Their recognition is still super high, and those smaller premiums can add up over time in a Gold IRA.

    10
    matthew_murphy👑Elite (1m-5m)Real Investorabout 2 months ago

    Hey, cool post! ASEs are definitely a solid choice for a Gold IRA, with that government backing and all. For something like a Gold IRA, I'd also look into the legal tender status of the coins. While both ASEs and Buffalos are excellent, sometimes that legal tender denomination can make a difference in certain situations. Keep stacking!

    1
    elizabeth_johnson💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Totally agree with you on the Gold Eagles. I'm in a similar boat, about $60k in my Gold IRA and probably 70% of that is in ASEs. It just feels like the safest bet, you know? Plus, the premium on Buffalos has always felt a little steep to me for what you get.

    The retirement loophole most advisors won't mention

    You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

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