Silver Eagles vs Generic Rounds - My Gold IRA Experience (El Paso Investor)

• •I’m sitting on about $180k across gold and some silver, and around $30k of that is in silver, mostly in those American Silver Eagles.
• •The rest of my portfolio is diversified, of course, but the precious metals slice is intentional given the current… unpredictability, let’s call it.
• •Lately, though, I’ve been looking at the premium on those Eagles and wondering if I made the right call.

Alright, so I’ve been kicking this around in my head for a while and wanted to get some other perspectives, especially from those who have actually done it. When setting up my Gold IRA a few years back, I went pretty heavy into Gold Eagles, partly because of the perceived safety and recognition, and honestly, the guy on the phone made a pretty solid case for them. I’m sitting on about $180k across gold and some silver, and around $30k of that is in silver, mostly in those American Silver Eagles. The rest of my portfolio is diversified, of course, but the precious metals slice is intentional given the current… unpredictability, let’s call it. Being down here in El Paso, I see a lot of things from a different angle, and the idea of tangible wealth really resonates when you’re literally on the border of so much economic fluctuation.

Lately, though, I’ve been looking at the premium on those Eagles and wondering if I made the right call. The cost difference between a proof Silver Eagle and a generic 1oz silver round is pretty significant, and it adds up quickly when you’re buying in bulk for an IRA. When I was initially setting things up, I wasn't as focused on maximizing ounces for the dollar, but now I’m thinking about potentially adding more silver to my IRA, and the thought of paying that premium again is a bit of a deterrent. I understand the collectibility factor and the government-backed assurance, but for IRA purposes, isn't silver just silver? Is the higher premium on Eagles really justified for long-term holding within a retirement account, or am I just buying into perceived value?

I’ve been doing some research, looking at historical performance, and even checked out that “Gold vs Stocks Comparison” tool at goldvsstocks.goldirablueprint.com/?period=10Y, which is super useful for putting things in perspective for gold. But for silver, especially specific forms of silver, it feels a bit different. I’m thinking about adding another $10k-$15k in silver to my IRA this year, and I’m genuinely torn. Part of me wants the easy, recognizable Eagles, but the other part of me, the entrepreneur who’s always looking for efficiency and value, is screaming to go with lower-premium generic rounds to get more ounces. What are your thoughts? Have any of you switched from Eagles to generics, or vice versa, in your IRAs? Any regrets?