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

• •That move definitely helped me weather a couple of rough seasonal cycles, so I'm a big believer in diversifying with precious metals.
• •With gold, I largely stuck to bullion for the purity and ease of valuation, but palladium's a different beast in terms of availability and pricing.
• •I'm wondering if anyone here has gone the numismatic route for their IRA, particularly with palladium?

Alright, so I’ve been kicking around the idea of adding some more palladium to my IRA, specifically looking at which type of coins makes the most sense. I've got about $180k in my portfolio right now, mostly in some mutual funds and a good chunk in a Gold IRA I set up a few years back when things were looking a little shaky for my tourism business here in Savannah. That move definitely helped me weather a couple of rough seasonal cycles, so I'm a big believer in diversifying with precious metals.

My Palladium IRA is relatively new, and I’m torn between going with bullion coins like the Canadian Palladium Maple Leaf or some of the more numismatic (collector) pieces. With gold, I largely stuck to bullion for the purity and ease of valuation, but palladium's a different beast in terms of availability and pricing. I'm wondering if anyone here has gone the numismatic route for their IRA, particularly with palladium? Is the premium worth it in the long run for potential appreciation beyond just the spot price? Or is it a fool's errand trying to predict which collector coins will gain significant value?

Part of me thinks that if I'm holding it in an IRA for long-term growth and protection against inflation, sticking to the purest play – bullion – is the safest bet. But then I see some of these limited mintage palladium coins and wonder if I'm missing an opportunity. I put about $30k into palladium initially, and it's done pretty well for me so far. Now I'm looking to add another $20-30k and want to make the most informed decision. I did use the Eligibility Checker a while back when I was first looking into my Gold IRA, and it was super helpful for understanding the ground rules. Definitely recommend it if you’re new to this. But it doesn't quite get into the nuances of numismatic vs. bullion for specific metals.

Any seasoned investors here with experience in palladium specifically? What are your thoughts on allocating capital to numismatic palladium coins vs. standard bullion for an IRA? Have you seen any real benefit from numismatic pieces over time, or is the higher premium just a drag on returns? Appreciate any insights you can share!