Numismatic vs. Bullion for Gold IRA - Savannah Investor's Dilemma

• •Been wrestling with this a bit and wanted to throw it out to the community here.
• •I’ve had a good chunk of my retirement, about $180k, tied up in a Gold IRA for the last few years.
• •It just felt like a cleaner, more straightforward hedge against inflation and economic uncertainty.

Been wrestling with this a bit and wanted to throw it out to the community here. I’ve had a good chunk of my retirement, about $180k, tied up in a Gold IRA for the last few years. As a small business owner down here in Savannah – running a few of those tourist boat tours, which definitely see their ups and downs with the economic tide – having that physical asset gives me a genuine sense of security, especially after some of the whiplash we’ve seen in the market lately.

My custodian has been pushing me a little to consider numismatic (collectible) coins for a portion of it, talking about higher potential upside and collectibility value beyond just the gold spot price. I’m currently all in on bullion, mostly American Gold Eagles and Canadian Maples, because the simplicity and direct tie to the gold price appealed to me from day one. It just felt like a cleaner, more straightforward hedge against inflation and economic uncertainty. I’ve seen my portfolio do pretty well, riding the waves, and I’m generally happy with sticking to what I know.

However, the idea of potentially adding another layer of growth, even if it comes with more complexity, is intriguing. I’m thinking about maybe shifting 10-15% of my holdings, say $20k-$25k, into some carefully selected numismatic pieces. My main concern is liquidity and how much more difficult it might be to offload collector coins if I suddenly needed to access that capital, compared to just dumping a stack of Eagles. Also, the premium on these can be a lot higher. Is that premium really worth it for IRA purposes, or am I just buying into hype?

Has anyone here diversified into numismatic coins within their IRA? What’s your experience been with buying, selling, and managing them for retirement? Is the extra premium and potential for "collectible" value worth the added complexity and potentially reduced liquidity? Or should I just stick to my guns with pure bullion, which has served me well through multiple economic cycles here in the hospitality industry?