Silver Eagles vs. Generic for IRA - What's your play?

Hey, interesting discussion! When you're weighing Silver Eagles vs. generics for an IRA, one thing often overlooked is the potential for premiums to compress or expand. While Eagles have that higher premium, they also tend to hold their value better in a down market for silver, and their liquidity is unmatched. Generics can be great for stacking pure weight at a lower cost, but might have a wider bid/ask spread if you need to sell quickly.

Here's a good article I found that dives deeper into the pros and cons of premium vs. generic silver for IRAs, might give you some extra food for thought: https://www.coinnews.net/2023/1

Interesting debate. You mentioned your silver position is "mostly Eagles." Are those all American Silver Eagles, or do you have some other national mint coins in there too? Just curious if you've diversified beyond the US Mint for your IRA-eligible silver.

Interesting take. I've always leaned towards generics for IRAs, but not necessarily because of the premium difference being a dealbreaker. It's more about the sheer volume you can get for the same investment. If the goal is a hedge against inflation or a long-term store of value, maximizing ounces often feels like the smarter play, especially with silver's volatility. Are those Eagles really going to command *that* much more premium down the line compared to a stack of well-known generic rounds/bars?

Totally get this dilemma! I was in a similar boat a few years back. My IRA was heavily weighted with Silver Eagles from when I first started, and I kept looking at the premiums and thinking, "There has to be a more efficient way to stack for an IRA."

I ended up diversifying a bit. Still keep some Eagles for the recognition factor, but for sheer weight and lower premium, I've started adding some generic rounds and bars from reputable mints that are IRA-approved. It felt like a good compromise to maximize the silver ounces. Curious to see what others have done!

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

Just started my rollover process last month. The paperwork alone almost made me quit lol.

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

Just started my rollover process last month. The paperwork alone almost made me quit lol.

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.