IRA-Eligible Gold, Silver & Platinum

At a glance: Every product in this collection meets the IRS fineness requirements for a self-directed precious metals IRA — gold at .995+ (or American Gold Eagles, which are authorized despite their 22k alloy), silver at .999+, and platinum at .9995+. Prices track the live spot price plus each product’s premium, and everything ships fully insured from Summit Metals. Best for investors who want physical metal inside a tax-advantaged retirement account. Page updated July 2026.

Frequently Asked Questions

What is a precious metals IRA? A self-directed IRA that holds physical gold, silver, platinum, or palladium instead of paper assets — same tax advantages, tangible metal.

What makes gold IRA eligible? Fineness of .995 or higher (Gold Maples, Britannias, Buffalos, bars) — plus American Gold Eagles, which Congress specifically authorized despite being 22 karat.

What makes silver IRA eligible? .999 fineness or higher — Silver Eagles, Maples, Britannias, and .999 bars and rounds qualify; circulated 90% junk silver does not.

Can I store IRA metals at home? No — IRS rules require an approved custodian and depository. We can point you to custodians we work with.

How do I buy metals for my IRA? Open a self-directed IRA with a custodian, fund it, then purchase through a dealer like Summit Metals; the metal ships to your depository.

Are graded or collectible coins allowed? Generally no — the IRS excludes most numismatic coins; stick to bullion coins and bars like those in this collection.

Where to start

Most IRA buyers start with American Gold Eagles, Silver Eagles, or Gold Maple Leafs. Questions about eligibility on a specific product? Every product page lists its IRA status — or contact our team.