Fractional gold coins are coins that contain less than one Troy ounce of gold.

Most of the coins listed above can also be purchased in,, or 1/10 troy ounce increments. Similarly to the 1 oz. coins, the “premium” for fractional coins varies with market conditions and by individual coin (i.e. American Buffalo vs. Australian Kangaroo). Additionally, for the fractional coins, the “premium” does vary with the size of the coin, “the smaller the coin, the larger the premium.” Here, “size” and “smaller” are referring to the gold content of the coin. The total weight of the coin including base metals and shape are irrelevant. For ounce coins the investor should expect to pay a 6.00% to 8.50% “premium”; for ounce coins a 9.00% to 11.00% “premium”; and for 1/10 ounce coins a 12.00% to 16.00% “premium”. These premiums are current as of June 7, 2023, but change due to market conditions.

Many investors prefer these coins since many gold bullion coins are allowed in self-directed IRA’s. To be eligible as IRA investments, gold coins must be at least .995 fine (99.5% pure) and be legal tender coins. This provision makes Canadian Gold Maple Leaf coins, Australian Kangaroo Nuggets and Austrian Philharmonics acceptable precious metals IRA investments. Gold American Eagles (91.67% purity) are an exception to the purity requirement with 91.67% purity, but ARE allowed in the self-directed IRA. Conversely, many gold coins, such as Krugerrands (91.67% pure) and old Double Eagle gold coins (90.00% pure), are not legal investments for precious metals IRAS.

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I’ve been investing with Tom Cloud since 1999. Tom’s service & advice has been a tremendous blessing to me and my family. The assests that I’ve purchased have grown more than 300% during a time the broader stock market is still down from its highs in 2000 & 2008. I count Tom amongst the finest business men I’ve ever worked with, he’s demonstrated strong integrity & wisdom over the 13 years we’ve worked together.

J.H., CA

My husband & I were referred to Tom by a Ministry that we fully support & trust. Six years ago, our stock portfolio was not appreciating at all. Since that time we have averaged over 20% per year on his recommendations. The things we like the best are his integrity, fast responses, candid assessments & especially how quick out products arrive.

R.C., FL

I have valued Tom’s advice for over 27 years. As an MD, I have to work with people that i can trust as so many people try to reach me. He has continually provided honest staright forward information & very fair prices. He has helped me in other areas besides his expertise that has also been invaluable. Even when metals were flat he would never try to get me buy more and would give me honest assessment of the market. Thanks to Tom Cloud, my retirement account has more than tripled. I would highly recommend him to anyone.

B.M., TX

My working relationship with Tom Cloud & Cloud Resources Group, Inc. has spanned a 20 year period. The service & business relationship has always been one upmost priority. Tom is always very well-informed & knowledgeable about the current market situation and his customer service is exceptional. Anytime I have ever needed a re-sale of assets, Tom has always been quick and efficient in completing the process at a very honest & fair price. I trust Tom Cloud without hesitation because our relationship over the past 20 years has proven one of confidentiality, efficiency and honest business.

L.E., GA

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