Coin Grading and Gold IRAs - Worth the fuss?

• •Been thinking a lot about the whole coin grading thing for my Gold IRA.
• •I’ve had my account for about three years now – started with about $60k, now it’s hovering closer to $75k.
• •Most of what I bought was just standard American Gold Eagles and some Canadian Maples, all pretty much uncirculated from a reputable dealer.

Been thinking a lot about the whole coin grading thing for my Gold IRA. I’ve had my account for about three years now – started with about $60k, now it’s hovering closer to $75k. Most of what I bought was just standard American Gold Eagles and some Canadian Maples, all pretty much uncirculated from a reputable dealer. My understanding was always that for an IRA, you just needed to stick to the IRS-approved purity standards, which these obviously meet.

But then I was talking to a buddy of mine, who’s way more into numismatics, and he started going on about PCGS and NGC grading, arguing that even for IRA-eligible coins, having them graded by a third party gives you a huge advantage down the line. He said it’s about authenticity, verifiable condition, and easier liquidity when it comes to selling, especially if you ever need to liquidate some of your holdings quicker than expected. I’m a government employee here in Albuquerque, and this IRA is meant to supplement my pension, so long-term stability and ease of access are pretty important to me.

Part of me thinks it’s just another layer of cost and complication. I paid a premium when I bought them, and adding grading fees seems… extra. Like, are these coins really going to be worth significantly more just because they’re in a plastic slab with a number? My current custodian is pretty chill, and they didn’t push grading at all. I guess I’m just trying to figure out if this is genuinely a smart move for an IRA investor like me, or if it's more for collectors who are chasing rare dates and perfect strikes. Is there a point where the cost of grading outweighs the potential benefits for standard bullion coins?

Anyone here with IRA experience gone through this decision? Did you grade your coins, or just keep them as-is? What were your reasons either way?