Anyone actually putting Palladium in their Gold IRA?

Ashley Baker

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Anyone actually putting Palladium in their Gold IRA?

ashley_baker💼Starter (0-50k)

about 2 months ago

Key Takeaways

•Okay, so I've been doing a ton of research lately looking into diversifying my Gold IRA.
•Mostly holding physical gold and some silver, you know, the usual suspects.
•But palladium keeps popping up in my feeds and when I'm reading articles.

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Okay, so I've been doing a ton of research lately looking into diversifying my Gold IRA. I'm a young professional here in Charleston, just getting started with my retirement planning, and I've managed to put about $25k into my self-directed IRA so far. Mostly holding physical gold and some silver, you know, the usual suspects.

But palladium keeps popping up in my feeds and when I'm reading articles. I know it's a PGM, has industrial uses, and can be pretty volatile. I'm looking for some real-world input here. Is anyone actually allocating a portion of their Gold IRA to palladium? Like, a small percentage, maybe just to test the waters?

I understand the arguments for it as an inflation hedge and a store of value, similar to gold, but the price swings seem a bit wilder. I'm talking about buying actual palladium coins or bars, not some ETF. My thinking is to maybe put 5% of my current $25k into palladium, so like $1250, just to get some exposure. Is that completely bonkers? Am I overthinking this for such a small allocation?

I'd love to hear from anyone who's actually done this or seriously considered it. What were your pros and cons? Any regrets? Or did it turn out to be a savvy move? Thanks for any insights!

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6 comments

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Best Answer▲ 12 upvotes

robert_thompson💰Established (100-250k)

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.

Comments (6)

joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verified•about 2 months ago

Hey, I hear you! I actually went down a similar rabbit hole a few months ago. Ended up adding a bit of platinum to mine after reading some compelling arguments for its industrial demand and relatively lower price point compared to gold. Palladium was definitely on my radar too, but the volatility scared me off *slightly*. Still, for diversification, it's a solid thought!

joseph_harris📊Growing (50-100k)•about 2 months ago

Interesting! You mentioned diversifying but didn't say why Palladium specifically caught your eye. Are you looking at it for its industrial uses, or more as a store of value like gold and silver?

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

Honestly, it sounds like you're already doing great by just having gold and silver in there. Palladium is so much more niche, and while it's had some crazy runs, it's also super volatile. Are you genuinely looking at industrial demand trends for it, or is more FOMO thinking it'll be the next big thing? Just something to consider before jumping in.

maria_campbell📊Growing (50-100k)✓ Verified•about 2 months ago

Hey, that's a smart move looking into palladium! Not a lot of folks consider it, but it definitely has its place. Just a quick heads-up: make sure you're looking at IRS-approved palladium bars or coins. Not all palladium is IRA-eligible, so double-check the purity and minting. Good luck with the diversification!

robert_thompson💰Established (100-250k)Real Investor✓ Verified•3 days 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.