Rebalancing - Moving from Coins to Rounds (Thoughts?)

Maria Campbell

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Rebalancing - Moving from Coins to Rounds (Thoughts?)

maria_campbell📊Growing (50-100k)

about 8 hours ago

Key Takeaways

•Been thinking a lot about my Gold IRA lately, especially watching the prices fluctuate this year.
•Originally, when I set up my account about five years ago, I put a good chunk into American Gold Eagles and Canadian Maple Leafs.
•I've got around $75k in there now, mostly those coins, and a smaller amount in some silver too.

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Been thinking a lot about my Gold IRA lately, especially watching the prices fluctuate this year. Originally, when I set up my account about five years ago, I put a good chunk into American Gold Eagles and Canadian Maple Leafs. I've got around $75k in there now, mostly those coins, and a smaller amount in some silver too. Lately, though, I've been kicking around the idea of rebalancing some of that into gold rounds instead of more coins.

My reasoning is pretty straightforward: premiums. The Eagles and Maples, while beautiful and universally recognized, definitely carry a higher premium. I'm not looking to sell anytime soon – this is a long-term play for me, and as mayor here in Boise, I'm always thinking about future stability for my town and my own family. But if the goal is truly about owning the most gold content for my dollar, those rounds just seem more efficient. I'm not really a collector in that sense; I'm more interested in the intrinsic value.

Has anyone else here made a similar switch? Or even just considered it? I’m thinking about liquidating a portion of the Eagles/Maples – maybe $15k-$20k worth – and reinvesting that into reputable 1oz gold rounds. I’m curious about the process, any tax implications I might be overlooking within the IRA structure (I assume none since it’s all staying in the IRA, but always good to check!), and if there are any downsides to rounds that I might not be seeing clearly. I value liquidity, but I figure a 1oz round from a well-known mint is still pretty liquid, right?

Part of me is also just looking for validation that this isn't a crazy idea. It feels like a smart move financially, especially with how premiums have been acting. Would love to hear some thoughts from others who have gone down this road or have strong opinions on it.

3 comments

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Best Answer▲ 9 upvotes

karen_robinson💼Starter (0-50k)

Interesting thought process, OP. When you say "rounds" are you specifically thinking of 1oz government-minted bullion like Krugerrands or Britannias, or more generic private mint rounds?

Comments (3)

carol_carter💰Established (100-250k)Real Investor•less than a minute ago

I hear you on this! I actually did something similar a few years back, though it was more about consolidating. Had a mix of Eagles and some smaller fractionals, and decided to simplify things by moving into some larger rounds. For me, it was mainly about the slightly lower premiums and just making the overall portfolio a bit cleaner to track. No regrets so far!

Sounds like you've got a good amount built up, so it's definitely worth considering if the premium difference is significant enough for your goals. Good luck with the decision!

karen_robinson💼Starter (0-50k)•less than a minute ago

Interesting thought process, OP. When you say "rounds" are you specifically thinking of 1oz government-minted bullion like Krugerrands or Britannias, or more generic private mint rounds?

barbara_white🏆Advanced (250-500k)Real Investor✓ Verified•less than a minute ago

Interesting thought process, though I'm not entirely convinced moving from Eagles/Maple Leafs to rounds is the best play for an IRA, even with the premiums. You're essentially giving up the numismatic/collectible value (however small it might be for modern bullion coins) and the immediate liquidity advantage those recognized government-backed coins often carry. While premiums can be annoying, they also reflect that inherent value and ease of sale.

You're right that rounds are "just gold," but in an IRA, I'd lean towards maintaining the most universally accepted and recognizable forms, especially if you ever need to take an in-kind distribution down the line. Penny pinching on premiums now could cost you more in broader market acceptance or even slightly slower liquidation times later on.

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