What is the Numismatic Coin markup risk?

The Numismatic markup risk involves the promotion of 'rare' or 'proof' coins with spreads often 30-40% higher than standard bullion. This immediate erosion of equity can significantly impact the long-term performance of a self-directed IRA.

Are Home Storage Gold IRAs compliant with IRS rules?

No. Current IRS guidance and legal precedents, specifically McNulty v. Commissioner, indicate that home storage constitutes 'constructive receipt' of IRA assets, triggering immediate taxation and potential penalties.

How should I evaluate 'Free Silver' offers?

Self-directed investors should analyze 'Free Silver' offers as promotional incentives that may be offset by higher spreads on the primary asset purchase. We recommend evaluating the total cost of ownership rather than initial incentives.

Financial & Affiliate Disclosures

Maitland Wealth (operated by Media Kynect Ltd) is a digital publisher and research provider. View Full Disclosure Page

Research Methodology: Within this Markets Page, terms such as "Analysis," "Monitoring," or "Review" refer strictly to our independent editorial evaluation of market data, fee schedules, and regulatory filings. Maitland Wealth is a digital publisher, not a CPA firm; our findings are not financial audits as defined by GAAP standards.

Financial Disclosure: We do not provide personalized financial, investment, tax, or legal advice. This research is for educational purposes only and should not be construed as a recommendation for any specific investment strategy.

Affiliate Disclosure: Our market research is supported by our readers. We may receive compensation from the companies mentioned (including Goldco, Augusta, and others) if you choose to open an account through our links. This helps maintain our research operations.

⚠️ The 2026 Asset Preservation Risk Guide

The precious metals industry features distinct operational disparities. This research informs self-directed investors about the three most common mechanics used to increase acquisition spreads.

Structural Risks to Retirement Resilience

1. The "Numismatic" Markup Mechanic

This involve the promotion of "Exclusive" or "Proof" coins. Our research suggests certain firms may highlight "confiscation" narratives to shift portfolios into high-markup assets.

Asset Class	Observed Market Spread
Standard Bullion	3% - 8%
"Exclusive" Coins	30% - 40%+

🚩 Research Note: Portfolios prioritizing liquidity should evaluate the significantly lower bid-ask spreads associated with standard bullion bars and coins.

2. Home Storage Regulatory Risks

Market research into "Home Storage IRAs" identifies significant tax vulnerabilities. IRS regulations strictly prohibit "constructive receipt" of retirement assets.

The McNulty v. Commissioner ruling provides a legal baseline, suggesting that personal custody may result in full account taxation and systemic penalties.

🚩 Analysis: Structural resilience is historically supported by utilizing independent, Class-III insured depositories.

3. Incentive & "Free Silver" Analysis

Incentive frameworks offering "$10,000 in Free Silver" are common. Historical data suggests these promotional costs are often absorbed through increased asset premiums.

Research Tip: Our evaluation suggests prioritizing transparent, flat-fee models over initial promotional giveaways for long-term account efficiency.

✅ The Structural Selection Criteria

To inform your independent due diligence, we suggest evaluating any prospective provider against these core selection criteria:

Segregated Custody: Verification that assets are physically separated at the depository.
Bullion Availability: A willingness to fulfill orders using standard, low-premium bullion.
Documented Buyback: A transparent, written policy regarding asset liquidation.
Operational Independence: Structural separation between the dealer and the IRS-approved custodian.
Public Record: A consistent history of proactive engagement on the BBB.

Independent Research Results

We have reviewed current market data to identify firms that align with these institutional standards.

View research-qualified providers »

*Referral Disclosure: We may receive a commission if you open an account through these research links.