What Silver & Gold Bullion Products Are IRA Approved?

The inclusion of precious metals within an IRA account can potentially offer the investor additional diversification and growth opportunities. There are, however, very strict rules and regulations regarding precious metals investments with an IRA account. In fact, there are only certain gold, silver, platinum and palladium products that are eligible for inclusion within an IRA account. Here we will outline the available products.

Approved IRA Gold Bullion

With the American Gold Eagle being the only exception, gold bullion for inclusion in an IRA account must have a minimum fineness of .995 percent.

When it comes to gold coins or bullion, one has several choices of gold products to include in their IRA account. Some of these choices are:

  • 1 oz American Gold Eagle Coins
  • ½ oz American Gold Eagle Coins
  • ¼ oz American Gold Eagle Coins
  • 1/10 oz American Gold Eagle Coins
  • 1 oz American Gold Buffalo Coins
  • 1 oz Australian Gold Kangaroo Coins
  • 1 oz Austrian Gold Philharmonic Coins
  • 1 oz Canadian Gold Maple Leaf Coins
  • 1 oz Royal Canadian Mint Gold Bars
  • 1 oz UBS Gold Bars
  • 50 gram Valcambi Gold CombiBars
  • 1 oz Valcambi Gold Bars
  • 1 oz Sunshine Mint Gold Bars
  • 1 oz Credit Suisse Gold Bars
  • 10 oz Credit Suisse Gold Bars
  • 1 oz Johnson Matthey Gold Bars

View our full selection of IRA Approved Gold.

Approved IRA Silver Bullion:

Silver coins and bars for inclusion in an IRA account must have a minimum fineness of .999 percent. When it comes to silver investments within an IRA account, one has many products to choose from. Some of the choices are:

  • 1 oz American Silver Eagle Coins
  • 1 oz Chinese Silver Panda Coins
  • 500 oz American Silver Eagle Mint Case
  • 1 oz Canadian Silver Maple Leaf Coins
  • 1 oz Silver Britannia Coins
  • 1 oz Austrian silver Philharmonic Coins
  • 100 oz Royal Canadian Mint Silver Bars
  • 100 oz Johnson Matthey Silver Bars
  • 1 oz Sunshine Mint Silver Bars
  • 1 oz Johnson Matthey Silver Bars
  • 1 oz Sunshine Mint Silver Rounds

View our full selection of IRA Approved Silver.

Approved IRA Platinum Bullion

Platinum for inclusion in an IRA must have a minimum fineness of .9995 percent. Platinum has much more limited choices than gold or silver when it comes to IRA account inclusion. Some of the choices are:

  • 1 oz American Eagle Platinum Coins
  • 1 oz Australian Koala Platinum Coins
  • 1 oz Canadian Maple Leaf Platinum Coins
  • 1 oz Isle of Man Platinum Coins
  • Various Bars and Rounds meeting minimum fineness requirements

View our full selection of IRA Approved Platinum.

Approved IRA Palladium Bullion

Palladium for inclusion in an IRA must have a minimum fineness of .9995 percent. Palladium also has more limited choices than gold or silver when it comes to IRA account inclusion. Some of the choices are:

  • Various bars and rounds of minimum fineness produced by a national government mint, a COMEX/NYMEX, LME, NYSE/Liffe, LBMA or ISO 9000 accredited refiner, assayer or manufacturer.

Non-Approved IRA Bullion

As you can see not all precious metals products are approved for an IRA. You will want to be extra careful when making an IRA contribution, as non-approved metals will be rejected by the depository. To qualify as an IRA-approved product, precious metals must meet minimum fineness levels mentioned above.

Any products falling outside of these ranges, excluding American Gold Eagles, are not approved for IRA contributions. Examples of non-approved precious metals products include pre-1933 gold, gold Krugerrands, and 90% US silver coins.

This guide is designed to give a good snapshot of the gold, silver, platinum and palladium products that can potentially be included an in IRA account. For any questions regarding eligibility of specific products for inclusion in your IRA account, consult your CPA or tax professional.

All Market Updates are provided as a third party analysis and do not necessarily reflect the explicit views of JM Bullion Inc. and should not be construed as financial advice.