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

• •Okay, diving into the numismatic vs.
• •bullion debate for a Gold IRA.
• •My advisor initially pushed a few numismatic options, talking about their potential for appreciation beyond just the metal's spot price.

Okay, diving into the numismatic vs. bullion debate for a Gold IRA. When I was looking at rolling over a good chunk of my tech company exit package – we're talking about putting around $1.5M into hard assets – the whole "collectible" coin thing came up big time. My advisor initially pushed a few numismatic options, talking about their potential for appreciation beyond just the metal's spot price. Sounded good on paper, especially after seeing the market volatility that prompted me to cash out in the first place.

I ended up going mostly bullion, specifically Canadian Gold Maple Leafs and American Gold Eagles, all IRA-eligible, of course. My thinking was simple: I wanted pure gold exposure, not the subjective value of rarity or mint condition. I'm in Dublin, Ohio, and honestly, if I ever need to liquidate quickly, I figure a standard bullion coin is going to be way easier to move than some obscure numismatic piece that requires a specialist. Plus, the premiums on those numismatics seemed wild. Like, I'm talking premiums that felt like 20-30% over spot, sometimes more. For bullion, I was getting more in the 5-8% range, which still felt steep but manageable.

My concern with numismatics was always the 'greater fool' theory. While they can appreciate significantly, they can also leave you holding something only a niche collector wants. With bullion, it's gold, it's universally recognized, and its value is pretty clear. I'm not looking to become a coin dealer; I'm looking to preserve wealth. That said, I do wonder if I missed an opportunity. Anyone here in a similar boat who went heavily into numismatics for their IRA? How has that played out for you, especially with liquidity or when looking at your annual statements?

I've been holding for about three years now since the big rollover, and I'm relatively comfortable with my decision, but always open to hearing other perspectives. It's not like I'm selling anytime soon, but I want to make sure I’ve made the optimal long-term play for these funds.