Question for Palladium IRA holders: Numismatic vs. Bullion?

• •Grew up on a horse farm outside Louisville, you learn pretty quick that fancy doesn’t always mean sturdy.
• •My question for you folks who’ve diversified into palladium, especially for your IRA: are you leaning towards numismatic coins or just pure bullion?
• •I’m thinking about a 20-30k initial chunk for palladium.

Alright, so I’ve been kicking this around for a while now, and with palladium prices doing their thing, I’m finally seriously looking at getting some into my IRA. I’ve currently got a pretty solid gold position, maybe 150k-ish that I moved in over the last couple of years – mostly straight-up bullion because I’m a practical guy, always have been. Grew up on a horse farm outside Louisville, you learn pretty quick that fancy doesn’t always mean sturdy.

My question for you folks who’ve diversified into palladium, especially for your IRA: are you leaning towards numismatic coins or just pure bullion? I’m thinking about a 20-30k initial chunk for palladium. With gold, it was a no-brainer for me to stick to the lowest premium, most liquid stuff. But I've been doing some reading and see a lot of talk about potential collector value with certain palladium coins down the line. I mean, sure, the 10-year chart on the Gold vs Stocks Comparison tool is what drew me to metals in the first place, and I get that metals are the long play. But some of these limited mintage palladium coins really have me wondering if there's an edge to be had.

Is the premium on numismatic palladium worth the gamble for something like an IRA, where the main goal is wealth preservation and growth? Or is it just adding unnecessary risk and reducing the amount of actual metal you hold? I’m trying to keep costs down, obviously, but I also don’t want to miss a trick if there’s a genuine benefit to numismatic palladium that I’m overlooking. What’s your experience been, and what made you choose one over the other?