Is NGC/PCGS grading *really* that vital for Gold IRA coins? Looking for opinions.
- •Been thinking a lot about this lately as I’m looking to rebalance some of my holdings in my Gold IRA.
- •I’ve currently got about $180k invested in precious metals, mostly gold, spread across a few different types of coins.
- •Said it was critical for liquidity and future value, especially for an IRA where you can’t just hold any old coin.
Been thinking a lot about this lately as I’m looking to rebalance some of my holdings in my Gold IRA. I’ve currently got about $180k invested in precious metals, mostly gold, spread across a few different types of coins. When I first started setting this up a few years back, my metals dealer really pushed the graded stuff – mostly MS69/70 Eagles and Maples, some graded Junk Silver, etc. Said it was critical for liquidity and future value, especially for an IRA where you can’t just hold any old coin.
My question for y’all is, how much of that is just sales talk versus genuine practical advice? I understand the whole numismatic value argument for rare coins, but these are pretty standard bullion coins we’re talking about. Are those two little letters (MS) and a number really adding that much tangible value, or is it more peace of mind? For example, say I wanted to sell some of my Gold Eagles in 10-15 years to fund a new barn or something for the farm here in Louisville. Is an MS70 Gold Eagle going to fetch a significantly higher premium over an ungraded, but still pristine, 2024 Gold Eagle?
Seems like the premium you pay upfront for the grading, plus the storage fees sometimes associated with graded coins, eats into the potential upside. I’m practical about my wealth; I want my money to work for me, not just look pretty in a plastic slab. I’m thinking about adding another $50k or so to my holdings this year, and I'm weighing whether to stick with graded bullion or just go for ungraded, reputable coins from a trusted dealer. Would love to hear from anyone who's had experience selling graded vs. ungraded bullion, especially in the context of an IRA. Did the grading make a difference in your exit price?