Options for Investors through United States Certified Coins Act of 2005

This bill would allow individuals to include certain high-quality United States coins as investments in their Individual Retirement Accounts (IRAs) or self-directed pension plans. To qualify, the coins must be certified by an independent grading service, have served as legal tender in the U.S. at some point, and be traded on recognized electronic networks or wholesale reporting services. If enacted, this legislation would provide retirement savers with more options to diversify their portfolios by treating these specific certified coins as allowable investments rather than prohibited "collectibles" under the tax code.