5 years in with my gold IRA - feeling pretty good! (Seattle RN here)

Linda Taylor

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5 years in with my gold IRA - feeling pretty good! (Seattle RN here)

linda_taylor📊Growing (50-100k)

less than a minute ago

Key Takeaways

•Just wanted to share my experience with a gold IRA after hitting the 5-year mark.
•I started this whole thing back in 2018 when I was getting really antsy about market volatility and all the economic news floating around.
•As an RN in Seattle, I'm used to planning ahead, and my 401k just wasn't giving me the peace of mind I wanted for retirement.

The 3-step rollover process explained

Just wanted to share my experience with a gold IRA after hitting the 5-year mark. I started this whole thing back in 2018 when I was getting really antsy about market volatility and all the economic news floating around. As an RN in Seattle, I'm used to planning ahead, and my 401k just wasn't giving me the peace of mind I wanted for retirement. I decided to diversify a bit and put about $60,000 into a gold IRA, mostly in rounds, with a focus on some of the more common bullion since I wasn't looking for collector's items, just pure weight in gold.

Honestly, the initial setup was a bit more paperwork than I expected, but my chosen custodian made it pretty smooth. The real emotional part was seeing that chunk of change leave my traditional accounts. You always wonder if you're doing the right thing, right? Especially when you're looking at a 20-year horizon for retirement. But seeing gold prices steadily climb, even with some dips, has been incredibly reassuring. I'm not going to give exact numbers, but my initial $60k is sitting comfortably above $75k now. Not flashy, maybe, but a solid, steady increase that feels much more stable than some of my other investments during the same period. It's really helped me sleep better at night knowing a portion of my savings isn't just tied up in stocks.

I know some people criticize gold for not having "returns" like stocks, but for me, it's about wealth preservation and security FIRST. The modest gains have been a bonus. I've only ever bought gold rounds for my IRA – keeping it simple and focusing on intrinsic value. Do any of you folks in similar situations feel the same way? Or have you delved into more numismatic coins within your IRA? I've been curious but haven't pulled the trigger on anything beyond basic bullion.

Thinking about potentially rolling over another $20k or so from an old 401k into my gold IRA in the next year or two, just to increase my allocation a bit more. What are people's thoughts on that? My current portfolio is probably around 15% physical gold and silver, and I'd like to nudge that closer to 20-25% ideally. Any advice on timing or anything else I should consider for that kind of rollover?

5 comments

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You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

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Best Answer▲ 10 upvotes

betty_king📊Growing (50-100k)

That's awesome to hear! Always good to get real-world updates on these things. You mentioned being an RN in Seattle – did you find any particular custodians or gold dealers were more familiar with Washington state regulations or just generally easier to work with from that region?

Comments (5)

jason_morgan💰Established (100-250k)Real Investor✓ Verified•less than a minute ago

Oh man, I totally get this! I'm coming up on 4 years with mine and have had a similar experience. The peace of mind alone has been worth it, especially with all the ups and downs lately. Good to hear it's working out for you too!

betty_king📊Growing (50-100k)•less than a minute ago

richard_garcia👑Elite (1m-5m)Real Investor•less than a minute ago

Hey, that's awesome you're feeling good about your gold IRA, especially after five years! It's definitely a peace of mind knowing you've diversified and taken steps to protect your retirement.

That said, I do wonder a bit about the opportunity cost sometimes. While gold can be a great hedge, it doesn't really generate income or dividends like some other assets. I'm curious if you've ever considered that aspect, or if the stability and inflation protection outweigh those potential growth opportunities for you?

jason_morgan💰Established (100-250k)Real Investor✓ Verified•less than a minute ago

Awesome to hear about your positive experience! It's always great to see folks diversifying their retirement. For anyone else researching this, make sure to check out the storage options carefully. Sometimes self-storage is offered, but an IRS-approved depository is generally the safer bet for an IRA. The IRS website has some good info on what's allowed.

catherine_bell🏆Advanced (250-500k)Real Investor•less than a minute ago

Totally agree with this! My 5-year mark with my gold IRA is coming up later this year, and I'm feeling the same way. It's been a solid, steady presence in my portfolio while some of my other investments have been on a wild ride (looking at you, tech stocks!). Nice to see another RN from the PNW here too!

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →