Can I take possession of my gold IRA?

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No. Gold IRA possession ends the account's tax shelter, because collecting the coins is an in-kind distribution taxed at market value on the day it ships, with a 10% penalty on top below age 59 and a half.

You can have the metal, but the moment you take it the holding stops being retirement property, and the custodian records an in-kind distribution at market value on the day it ships. That value becomes income for the year, and a 10% early-withdrawal penalty applies on top if you are under 59 and a half at the time.

After age 73, or 75 for anyone born in 1960 or later, required minimum distributions begin and metal creates a practical problem cash does not, because a coin cannot be divided to hit a number. Meeting the requirement means selling part of the holding or taking coins in kind and paying tax on their value, and both cost more than transferring cash would.

Sources

  1. Publication 590-B, Distributions from Individual Retirement Arrangements

    Internal Revenue Service

    In-kind distributions, required minimum distribution ages, and the early-withdrawal penalty.