ASE vs. Buffalo for my Palladium IRA - thoughts?

Michael Anderson

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ASE vs. Buffalo for my Palladium IRA - thoughts?

michael_anderson🏆Advanced (250-500k)

about 7 hours ago

Key Takeaways

•Alright, so I’ve been building up my Palladium IRA for a while now, sitting on about $350k in there, mostly palladium bars.
•But I'm starting to think about diversifying the physical form a bit, and of course, that brings up the endless debate: American Eagles vs.
•For my situation, focusing specifically on palladium, it's a bit different than the usual gold discussion, but the core arguments still apply.

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Alright, so I’ve been building up my Palladium IRA for a while now, sitting on about $350k in there, mostly palladium bars. But I'm starting to think about diversifying the physical form a bit, and of course, that brings up the endless debate: American Eagles vs. American Buffalos. For my situation, focusing specifically on palladium, it's a bit different than the usual gold discussion, but the core arguments still apply.

I own a construction company here in Chicago, and I've always been a huge believer in tangible assets. Something you can hold, something that doesn't disappear with a server crash – that’s my kind of investment. So, while the palladium bars are great, I like the idea of having some recognized sovereign coins in the mix too. The premium on both Eagles and Buffalos for palladium is no joke, but I’m looking long-term here, not for a quick flip. I’m thinking about adding roughly another $50-75k to the palladium side over the next year or so, and I want to make sure I’m making a smart choice for those coins.

From what I gather, the Eagles usually have a slightly lower premium because of the 1oz .9995 purity vs. the Buffalos' .9999 fine palladium. Is that still largely holding true in the current market, or have premiums started to equalize a bit? I also wonder about liquidity and recognition. If things ever really go sideways, would one be more widely accepted or easier to trade than the other? I mean, both are US-minted, so you'd think they'd be pretty comparable, but sometimes the market has its own quirks.

Anyone else here with a significant Palladium IRA or even just experience with palladium coins have strong opinions on one over the other? Are there any hidden pros or cons I'm not considering for a long-term hold in a retirement account? Appreciate any insights you guys have got.

4 comments

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Best Answer▲ 9 upvotes

laura_sanchez💰Established (100-250k)

Interesting thought process on diversifying the physical form within your Palladium IRA. I'm curious, why specifically ASEs and Buffalos if you're talking about palladium? Usually those are discussed for gold or silver. Are you looking at palladium versions of those, or is there a specific reason you're considering those designs for a different metal?

Comments (4)

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

Dude, I was in a super similar boat a few months back. Had a good chunk in palladium bars in my IRA and was looking to diversify the physical form. Ended up going with a mix of both ASEs and Buffalos for my silver, but for palladium, I actually leaned into the Buffalos a bit more. They just feel a bit more... substantial, if that makes sense? Plus, the design is just iconic IMO. No regrets so far!

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

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

Interesting dilemma, OP. While everyone loves the Eagles and Buffalos for their recognizability and liquidity, have you considered branching out beyond just US mint products for your palladium? For a portfolio of your size, looking into some of the other major world mints, like the Royal Canadian Mint's Palladium Maples or even some European options, could offer some additional diversity and potentially different premium structures. Just a thought to throw into the mix!

brian_edwards🌟Ultra (5m+)Real Investor✓ Verified•less than a minute ago

Hey, that's a good chunk of change in palladium! Smart move thinking about diversifying the physical form. For your situation, since you're already holding bars, going with government-minted coins like ASEs or Buffalos makes a ton of sense for liquidity and recognition.

One thing to keep in mind, especially with palladium, is the premium. Sometimes the Buffaloes (even though they're 0.9995 fine like the ASEs for palladium) can carry a slightly different premium depending on supply/demand for that specific coin. It might be worth checking a few reputable dealers to compare current premiums for both before you pull the trigger. Good luck!

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