Anyone here holding palladium in their IRA? Worth it?

Paul Hill

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Anyone here holding palladium in their IRA? Worth it?

paul_hill🏆Advanced (250-500k)

about 4 hours ago

Key Takeaways

•Been eyeing palladium for my IRA lately and wanted to get some real-world input.
•My current Gold IRA portfolio is sitting pretty at around $380k, mostly in physical gold coins and some silver bars, with a good chunk in a Gold IRA.
•I’ve helped a few clients out here in Utah diversify into PGM’s (platinum group metals) before, but never personally pulled the trigger on palladium.

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Been eyeing palladium for my IRA lately and wanted to get some real-world input. I’m based out of SLC, and while I’ve primarily been advising my clients (and investing myself) in gold and silver for their retirement accounts, palladium's recent price action has me thinking.

My current Gold IRA portfolio is sitting pretty at around $380k, mostly in physical gold coins and some silver bars, with a good chunk in a Gold IRA. I’ve helped a few clients out here in Utah diversify into PGM’s (platinum group metals) before, but never personally pulled the trigger on palladium. I know there's strong industrial demand, especially from the auto industry, but the volatility also feels like it could be a wild ride.

For those of you who have taken the plunge and included palladium in your self-directed IRA, what’s your take? Any specific custodians you recommend that make it easy to hold? Did you buy bars or coins? And honestly, how has it performed for you compared to your gold or silver holdings? Thinking about allocating maybe 5-10% of my precious metals exposure to it, but I’m a bit on the fence. Would love to hear some firsthand experiences.

4 comments

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Best Answer▲ 10 upvotes

frank_rivera💎Premium (500k-1m)

Honestly, while the recent price action for palladium is certainly tempting, I'd be a bit wary of putting it into an IRA right now. Gold and silver have that long-standing, generational stability that's hard to beat for a retirement account. Palladium feels a bit more like a short-term play or a speculative bet, which might not be the best fit for an IRA where you're really looking at the long haul. Just my two cents!

Comments (4)

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

Hey, I actually just started dipping my toes into palladium too! Not for a

karen_robinson💼Starter (0-50k)•less than a minute ago

Interesting! You mentioned palladium's "recent price action" is what's got you thinking. Could you elaborate a bit on what specific price movements or trends caught your eye?

frank_rivera💎Premium (500k-1m)Real Investor•less than a minute ago

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

Hey there! Palladium can definitely be an interesting addition to a precious metals IRA. While it's had some wild swings, its industrial demand is a big factor.

If you're looking for some in-depth research on palladium and its role in an IRA, I found this article on

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 →