Another Fed rate hike - thoughts on my gold strategy?

Brian Edwards

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Another Fed rate hike - thoughts on my gold strategy?

brian_edwards🌟Ultra (5m+)

about 2 months ago

Key Takeaways

•Well, here we are again.
•Saw it coming a mile off, and frankly, I'm getting a little tired of this song and dance.
•My gold position has been solid this year, up about 11% since January.

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

Well, here we are again. Another 25 bps. Saw it coming a mile off, and frankly, I'm getting a little tired of this song and dance. My real estate holdings in Aspen are still humming along, thankfully, but the broader market wobbles are definitely making me double-check everything.

My gold position has been solid this year, up about 11% since January. I've got a little over $2.5 million parked in physical gold and some silver, mostly in my IRA. That's a good chunk of my liquid, roughly 40% of my total portfolio last I checked. The rest is tied up in various development projects and some other alternative assets. I’ve always seen gold as that essential hedge, especially with how unpredictable things have been since COVID. It’s given me a lot of peace of mind, knowing I’m not entirely at the mercy of the Fed’s whims or some random market crash.

I'm starting to think more seriously about my RMDs though. I'm turning 70 next year, and while I love the secure feeling of that physical gold, I need to start planning how I'm actually going to pull that out without getting dinged too hard. Has anyone here used that RMD Calculator from Gold IRA Blueprint? I poked around it a bit, seems pretty straightforward, but I’m curious if anyone has any actual experience using it for a large gold IRA distribution. Any tips on managing those distributions when a significant portion of your IRA is in physical precious metals?

I feel like the conservative play right now is to keep stacking, but there's a part of me that wonders if this latest hike could finally be the one that slows things down enough for a real market correction. Either way, gold feels like the right place to be. Just curious what some of you higher-net-worth folks are thinking about your precious metals allocations with this continued rate tightening. Are you holding steady, buying more, or starting to pivot?

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5 comments

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Best Answer▲ 18 upvotes

mark_adams👑Elite (1m-5m)

Just started my rollover process last month. The paperwork alone almost made me quit lol.

Comments (5)

jason_morgan💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Totally feel this. My real estate is in a different market, but the general unease is definitely making me re-evaluate my precious metals allocations too. Had a similar moment a few months back when they hiked and I actually ended up adding a bit more physical gold. Just felt like the right move at the time given everything.

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

Hey, totally feel you on the "tired of this song and dance" part. It's getting predictable, which isn't always a good thing for markets.

Your real estate in Aspen sounds nice though! Do you see that as a separate kind of inflation hedge next to your gold, or more of a diversified asset for growth?

karen_robinson💼Starter (0-50k)•about 2 months ago

I hear you on the rate hikes. It feels like Groundhog Day sometimes. But honestly, while your Aspen properties are crushing it (nice!), I wonder if focusing *too* much on these incremental Fed moves for your gold strategy is overthinking it a bit. Gold tends to be more about the big picture, long-term stability, and hedging against systemic stuff, not necessarily reacting to every 25 bps. Maybe zoom out a bit on your perspective?

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

Hey, totally feel you on the rate hike fatigue. It's like Groundhog Day, right? For tracking the bigger picture with gold and how it reacts to these shifts, I've found World Out Of Whack's gold price prediction article pretty insightful. They break down a lot of the macroeconomic factors that can influence gold's movement, which might help fine-tune your strategy.