What types of gold coins are allowed in Roth IRAs?

Precious Metals in Roth IRAs

Holding precious metals in a Roth IRA is possible through a self-directed IRA structure, but it requires strict compliance with IRS regulations.

Approved Precious Metals

The IRS allows only specific precious metals in IRAs:

• Gold: Must be 99.5% pure or higher
• Silver: Must be 99.9% pure or higher
• Platinum: Must be 99.95% pure or higher
• Palladium: Must be 99.95% pure or higher

Approved forms include certain bullion coins and bars that meet these purity standards.

Storage Requirements

Precious metals held in IRAs must be stored in approved depositories, not at home. The metals remain in the IRA's name until distribution.

Valuation Requirements

Professional appraisals are required for:

• Initial purchase verification
• Annual fair market value reporting
• Required minimum distributions
• IRA conversions and transfers
• Compliance documentation

Tax Advantages

Holding precious metals in a Roth IRA provides tax-free growth and tax-free withdrawals in retirement, making it attractive for precious metal investors.