The KiDS Legacy Act

Keep Investments Diversified with Silver, and Gold too — the bill that fixes the 28% problem.

What the Bill Does

The KiDS Legacy Act — Keep Investments Diversified with Silver, and Gold too — would clarify that gain or loss on the sale or exchange of precious-metals coins and bullion is exempt from recognition for income tax purposes. In plain English: no more collectibles rate, no more 28% penalty for saving in real money. Metal would finally be treated like what it is — a long-term store of value, not a Persian rug.

The legislative vehicle in the last Congress was H.R. 8279, the Monetary Metals Tax Neutrality Act. When that Congress ended in January 2025 without action, the bill died with the session — which happens to most bills. The fix did not fail on the merits; it simply ran out of clock.

Why This Fight Is Winnable

• It is about fairness, not favors. The ask is simple: tax savers in metal the same as savers in stocks. Hard to argue against with a straight face.
• States are already moving. A growing list of states have eliminated sales tax on precious metals, recognizing them as money, not merchandise. Washington trails the states.
• The constituency is huge and quiet. Millions of Americans hold physical gold and silver. Most have never once told their Representative what the collectibles rate costs them. Silence reads as consent.

What Stackers Can Do

• Send the letter. Download it here — firm, fair, and ready to personalize. One page, two minutes, real weight in aggregate.
• Call, don't just click. A phone call to the district office counts more than a form email. Ask the staffer to log: "Revive and support the KiDS Legacy Act."
• Show up. Town halls and district office visits put a face on the issue. Bring your receipts — the tax you paid on a real sale is the most persuasive chart there is.
• Bring one more voice. Forward the letter to two stacking friends. Numbers are the whole game.

The One-Line Ask

Get the Letter to Congress →