Numismatic vs. Bullion for Gold IRA - My Experience &

• •I've been going down the rabbit hole again on Gold IRAs, specifically the numismatic vs.
• •Fast forward to now, I'm thinking about adding another chunk, maybe $50k-$75k, as things in the market are feeling a bit… frothy.
• •My concern is the premium.

I've been going down the rabbit hole again on Gold IRAs, specifically the numismatic vs. bullion coin debate. When I first diversified some of my tech stock gains into precious metals a couple of years back – roughly 15% of my portfolio, so around $200k-$250k at the time – the advisor I worked with was pretty straightforward: stick to bullion for the IRA. His reasoning was all about liquidity and lower premiums, which made a lot of sense given my primary goal was long-term capital preservation and a hedge against inflation, not collecting rare coins.

Fast forward to now, I'm thinking about adding another chunk, maybe $50k-$75k, as things in the market are feeling a bit… frothy. I've been doing more research independently, and I keep seeing arguments for certain graded numismatic coins potentially offering better appreciation over time, especially during economic uncertainty, not just reflecting the spot price. I've got a decent understanding of the historical performance of some of these, and the idea of some additional upside beyond just the metal value is intriguing.

My concern is the premium. The premiums on numismatic coins can be wild, and if you're not getting legitimate numismatic value that holds up, you're essentially just losing out on how much metal you could have bought. And then there's the whole issue of finding a reputable dealer who isn't just trying to offload highly premium junk on you. For those of you who've actually gone the numismatic route within your Gold IRA, what's been your experience? Did you genuinely see that additional appreciation, or did the premiums eat you alive? Any specific types of coins you'd recommend looking into, or frankly, avoiding like the plague?