Numismatic vs. Bullion for Gold IRA - My Experience & Questions

• •I’ve been seeing a lot of discussion lately about numismatic coins in Gold IRAs, and it got me thinking about my own setup.
• •As a military retiree here in San Diego, financial security is paramount, and my Gold IRA has been a big part of that for the last seven years.
• •When I initially rolled over about $300k from an old 401k, I went pretty much 100% bullion – mostly American Gold Eagles and Canadian Maple Leafs.

I’ve been seeing a lot of discussion lately about numismatic coins in Gold IRAs, and it got me thinking about my own setup. As a military retiree here in San Diego, financial security is paramount, and my Gold IRA has been a big part of that for the last seven years. When I initially rolled over about $300k from an old 401k, I went pretty much 100% bullion – mostly American Gold Eagles and Canadian Maple Leafs. My thinking at the time was simple: I wanted the purest play on the spot price of gold, without any extra premium for collector value. It felt like the safest, most straightforward option for a retirement account.

Now, I’m wondering if I left something on the table. My current portfolio is sitting comfortably around $450k, and I’m starting to think about diversification within the precious metals space, not just across asset classes. I’ve read arguments about numismatics potentially offering better upside due to their rarity and historical value, independent of the gold spot price. On the flip side, I know they come with significantly higher premiums and can be harder to liquidate quickly if needed. My custodian offers both, but honestly, their reps always pushed bullion for IRAs, probably for simplicity.

Has anyone here diversified their Gold IRA into numismatic coins? If so, what was your strategy? Did you allocate a specific percentage, say 10-20%? What kind of potential returns have you seen compared to just holding bullion? I'm particularly interested in hearing from folks who've had these assets in their IRA for a while. Did the numismatic value actually hold up, or even increase, against the premiums you paid? I’m always a bit wary of anything that feels like it’s being pushed as a “premium” product when the underlying asset is the same.

I’m not looking to overhaul my entire strategy, but I’m open to allocating a small portion of new contributions or rebalancing some existing holdings if there’s a real, tangible benefit. It’s about protecting my future, not chasing speculative gains, but if there's a conservative way to add another layer of security or upside, I'm all ears. Any insights, especially from those with direct IRA experience, would be greatly appreciated!