Gold IRA Rules and Regulations

Gold IRAs follow IRA law plus collectibles rules under IRC §408(m). Only certain bullion products qualify; personal possession generally blows up tax deferral.

Core rules investors miss

• Approved fineness / product lists—not “any gold coin”
• Custodian + depository required; home storage schemes are high risk
• No self-dealing with disqualified persons (§4975)
• RMDs on traditional IRAs; Roth rules differ

Deep dive: tax rules · eligible funding accounts.