5 years in with my Gold (and Platinum) IRA - looking for comparisons!

Frank Rivera

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5 years in with my Gold (and Platinum) IRA - looking for comparisons!

frank_rivera💎Premium (500k-1m)

about 2 months ago

Key Takeaways

•Been thinking a lot about my portfolio lately, especially with all the market turbulence.
•I started with roughly $600k, and it's sitting around $780k today.
•You see how delicate the global supply chains are when you're on an island; it gives you a different perspective on tangible assets.

See what your 401(k) could look like in gold

Been thinking a lot about my portfolio lately, especially with all the market turbulence. It's been almost exactly five years since I rolled over a chunk of my old TSP into a self-directed Gold IRA, and then added some platinum to the mix a couple years back. I started with roughly $600k, and it's sitting around $780k today. Not gonna lie, the peace of mind knowing a good portion of my retirement isn't tied directly to the whims of Wall Street is worth a lot, especially living out here in paradise. You see how delicate the global supply chains are when you're on an island; it gives you a different perspective on tangible assets.

My initial thought was to hedge against inflation and general economic uncertainty, and I feel like it's done its job. I'm retired military, so steady income is key, and I got a decent pension. This investment was really about preserving purchasing power and having a reliable fallback. I've heard some talk about how gold only holds value, but doesn't really grow, but based on my experience, it's definitely provided a respectable return. Could I have done better in the S&P? Maybe, on paper for a while, but then you get these corrections that wipe out years of gains for some folks. I'm just looking for steady and secure, not moonshots.

Anyone else in a similar boat with a longer-term precious metals IRA? What kind of returns are you seeing? I'm curious if my numbers are tracking with what others are experiencing, or if I should be adjusting my strategy. I'm always looking at different data points. I just found this interesting tool called "Silver vs Stocks" at https://silvervsstocks.goldirablueprint.com/?period=10Y that compares silver to stock performance over different periods. It's pretty eye-opening when you look at the 10-year chart to see how competitive silver has been. Made me wonder if I should be adding more silver to my mix.

The platinum has been a bit more volatile, but I always saw that as a higher-risk, higher-reward play within my metals holdings. Gold has been the steady anchor. I'm happy with where I am, but always open to learning from others. What are your thoughts on platinum's future, especially with the push for green tech?

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8 comments

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Best Answer▲ 16 upvotes

karen_robinson💼Starter (0-50k)

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

Comments (8)

susan_clark💰Established (100-250k)Real Investor•about 2 months ago

Dude, literally same! I rolled over an old 401k into a gold IRA about 4.5 years ago, and it's been interesting to watch. I didn't go the platinum route though, just stuck with gold. Curious to see what others are saying too.

carol_carter💰Established (100-250k)Real Investor•about 2 months ago

Hey, that's awesome you're diversified with platinum too! I've been curious about that myself. Did you go with platinum right from the start, or was that an addition later on? And what made you decide on platinum specifically over, say, silver or palladium?

richard_garcia👑Elite (1m-5m)Real Investor•about 2 months ago

Hey, that's awesome you've been in the game for five years! It's always cool to hear about people diversifying. Just wondering, though, has the performance of the gold and platinum really kept up with, say, a broader market index like the S&P 500 over that same period? I know the peace of mind is a big factor, but purely from a growth perspective, I'm curious if the physical metals have outperformed or underperformed your expectations compared to other asset classes.

I totally get the allure of tangible assets during uncertain times, no doubt. But sometimes the opportunity cost of holding metals can be pretty significant when equity markets are on a run. Have you crunched those numbers for your specific holdings?

susan_clark💰Established (100-250k)Real Investor•about 1 month ago

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.