Look, I'm going to say what everyone's thinking but afraid to say: Gold IRAs are boomer advice that doesn't apply to millennials.

I'm 32. I have 30+ years until retirement. Why would I lock up money in gold that historically returns 8% when I could be in index funds returning 10-12%?

The math doesn't add up. Gold is for people scared of their own shadow, not for young investors with time horizons.

Change my mind.

WD

I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

ReplyShare

SG

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

ReplyShare

DB

I keep going back and forth between gold and silver allocations. The gold-to-silver ratio right now is making silver look attractive.

ReplyShare

JP

Been looking into this myself — the fees on some of these custodians are wild. Anyone found one that doesn't gouge you?

ReplyShare

CY

I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

ReplyShare

MA

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

ReplyShare

SM

This mirrors what I've been seeing too. The macro environment right now is making a strong case for physical metals.

ReplyShare

MA

My advisor told me 10-15% in gold is the sweet spot but I went heavier. We'll see how it plays out.

ReplyShare