Numismatic vs. Bullion in a Gold IRA - My Experience & Questions

• •Currently, a good chunk of my precious metals holdings are in American Gold Eagles, straightforward bullion coins.
• •Lately though, I've been reading some debates online about numismatic coins versus bullion, specifically for IRAs.
• •I'm talking about the higher premium, collectible coins versus standard government-minted bullion.

I've been kicking around the idea of adding more precious metals to my Gold IRA for a while now, probably another $50k or so if the market keeps doing what it's doing. Currently, a good chunk of my precious metals holdings are in American Gold Eagles, straightforward bullion coins. My financial advisor back in Philly is solid and he's always emphasized a conservative approach, which is largely why I went with bullion in the first place – seems like the safest bet for pure wealth preservation when you're looking at a 15-20 year horizon until retirement.

Lately though, I've been reading some debates online about numismatic coins versus bullion, specifically for IRAs. I'm talking about the higher premium, collectible coins versus standard government-minted bullion. I'm all about protecting my capital and trying to dodge inflation, which is the whole point of having gold in the first place, right? But I keep seeing arguments that certain numismatic coins, while having a higher initial premium, might actually offer better long-term appreciation potential beyond just the spot price of gold. Has anyone here actually seen that play out in their IRA?

My concern is always liquidity and making sure something's actually eligible for the IRA. I used a Gold IRA Calculator last month to project what my portfolio could look like with another tranche of gold, and the numbers are compelling even with just bullion. But if there's an opportunity for even greater upside with specific numismatics without sacrificing the safety and IRS compliance, I'd be foolish not to consider it. My main holdings are still in stocks and real estate, but the gold is my bedrock, my insurance policy.

So, for those of you who have directly invested in numismatic coins within your IRA, what's been your experience? Were the premiums worth it in the long run? Did you run into any issues on the custodian side with certain types of coins? Or is it just better to stick to the pure bullion plays like Krugerrands or Maples for an IRA and keep any collectible interests separate? Just trying to make the most informed decision possible for my golden years.