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Retirement Accounts and Precious Metals

The rules and exceptions governing the holding of precious metals in retirement accounts, including the classification of certain coins and bullion as 'collectibles'.

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Jan 30, 2026
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Are there special IRS rules for collectors' coins versus bullion when determining basis?

The does not use a separate "" formula for collectors' coins versus bullion; cost basis is generally the purchase price plus allowable acquisition costs, and inherited items receive a stepped-up basis...