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This companion explainer from the Gold IRA Association focuses on a narrower question: what actually counts as IRA-eligible gold? Under IRC Section 408(m)(3), gold held in an IRA must be at least 99.5% pure, which is why American Gold Eagle coins get a specific statutory carve-out (they run below that purity line) while most jewelry and collectible coins don’t qualify at all. Here’s the quick rundown on which bars and coins actually clear the bar.

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