IRA Rules

IRS compliance, eligible metals, purity standards, and storage requirements for self-directed precious metals IRAs.

• IRC Section 408(m): The Collectible Prohibition

  How Internal Revenue Code Section 408(m) classifies collectibles, what happens if one lands inside an IRA, and the common coins that fail the rule.

  Updated April 19, 2026

• IRS-Approved Depositories for Precious Metals IRAs

  How approved depositories hold IRA metals, the difference between segregated and non-segregated vaulting, and the legal criteria a facility must meet.

  Updated April 19, 2026

• IRS Purity Standards for Precious Metals IRAs

  A plain-English guide to the fineness rules gold, silver, platinum, and palladium must meet to sit inside a self-directed IRA.

  Updated April 19, 2026

• The Legal Realities of Home-Storage Gold IRAs

  Why the trustee standards in IRC Section 408(a)(2) place home-storage gold IRAs out of reach for nearly every individual, and the tax cost of trying.

  Updated April 19, 2026

• Gold IRA Rollovers: Direct Transfers vs the 60-Day Rule

  The two ways to move retirement funds into a precious metals IRA, the tax and timing rules that separate them, and the trade-offs for each path.

  Updated April 19, 2026