There is no special IRS rule that applies only to silver IRAs based on the owner’s age — the milestones that matter are the same ones that apply to any traditional IRA. At age 59½, you can begin taking distributions without the standard 10% early-withdrawal penalty (you still owe ordinary income tax on traditional IRA distributions). Turning 60 itself doesn’t trigger any new IRA requirement. Under SECURE 2.0, required minimum distributions (RMDs) now generally begin at age 73 for people who reach that age in 2023 or later, rising to 75 for those born in 1960 or after.

If a video claims a 2026-specific rule targets silver owners over 60 specifically, that claim doesn’t match the actual statute — the RMD and early-withdrawal rules apply account-wide, regardless of what the IRA holds. Check IRS Publication 590-B directly for the current RMD schedule rather than relying on a secondhand summary.