Numismatic vs Bullion in Gold IRA - My Experience & Questions

• •Okay, so I've been wrestling with this numismatic vs.
• •bullion coin debate pretty heavily lately for my Gold IRA.
• •I rolled over about $350k from my old military TSP a few years back into a self-directed IRA, and a good chunk of that went into precious metals.

Okay, so I've been wrestling with this numismatic vs. bullion coin debate pretty heavily lately for my Gold IRA. I rolled over about $350k from my old military TSP a few years back into a self-directed IRA, and a good chunk of that went into precious metals. Living here in San Diego, stability is key for me, especially after everything I've seen. My main goal was always financial security and preserving purchasing power, which is why gold felt like the smartest play.

Initially, I went almost all bullion – mostly American Gold Eagles and Canadian Maples. Felt like the safest bet, low premiums, straightforward. But lately, I've had some reps pushing me towards numismatic coins, talking about their potential for higher appreciation beyond just the spot price of gold. They point to scarcity, historical value, all that jazz. I get the theory, but part of me feels like it's just a way to charge higher premiums, and that higher premium means less actual gold in my account for the same dollar amount. I’m thinking about diversifying a bit, maybe 10-15% into some certified pre-1933 gold coins, but I'm hesitant to jump in too deep.

My concern is liquidity, honestly. If things go sideways and I need to sell, will those numismatic coins fetch their "collector" value, or will dealers just offer me spot? With bullion, it's pretty clear-cut. Has anyone here actually seen significant appreciation on numismatic coins within their IRA that justified the higher initial cost and potential selling hurdles? Or is bullion the smarter, more conservative play in the long run for wealth preservation?

Also, on a related note, has anyone used that Tax Calculator tool for their Gold IRA? I'm always trying to get a clearer picture of my tax implications, especially with potential gains down the road, and curious how it handles different types of assets like numismatics versus bullion in terms of reporting or capital gains. Any insights would be appreciated. I’m just trying to make sure I’m setting myself up right for retirement.