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    Diving into Platinum - thoughts on its undervaluation?

    Key Takeaways
    • Okay, so I've been doing a deep dive into my portfolio lately, specifically looking at how my precious metals are performing.
    • My Gold IRA is set up nicely – just under $200k in there, mostly gold, as you'd expect.
    • I'm aiming for an early retirement (dreaming of ditching the marketing grind by 55!), so every move needs to be strategic.
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    Okay, so I've been doing a deep dive into my portfolio lately, specifically looking at how my precious metals are performing. My Gold IRA is set up nicely – just under $200k in there, mostly gold, as you'd expect. I'm aiming for an early retirement (dreaming of ditching the marketing grind by 55!), so every move needs to be strategic.

    Lately, though, I keep seeing chatter about platinum being seriously undervalued. I know it's not typically a primary component of a Gold IRA, but some companies definitely offer it as an option. Given its industrial uses, particularly in emission controls, and the fact that it's often priced significantly below gold (which feels... abnormal historically), it's got me wondering. Is this a moment to diversify a bit more into platinum, maybe pick up some physical platinum bars outside the IRA?

    From my comfy chair in Minneapolis, I'm trying to weigh the pros and cons. On one hand, the supply disruptions and increasing demand for cleaner tech could really drive prices up. On the other, the EV transition could eventually eat into its automotive demand, though that feels a ways off. For those of you with bigger positions or more experience in platinum, what are your thoughts? Are you adding platinum to your holdings, or just sticking with the tried and true?

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    5 comments

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    Best Answer▲ 18 upvotes
    J
    jason_morgan💰Established (100-250k)
    I've been watching platinum for a while, especially after seeing how gold performed during the last few dips, and I'm not entirely convinced by the "undervalued" argument right now. While industrial demand could pick up, the EV transition feels like a Sword of Damocles hanging over its automotive use. For my Gold IRA, I'm sticking to the tried and true; if I'm taking a flyer on precious metals, it's probably silver, which still has some tangible industrial growth narratives that feel more certain than platinum's right now.

    Comments (5)

    6
    elizabeth_johnson💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Totally get the platinum deep dive! I actually did something similar a few years back with silver. Had a pretty decent chunk in my Gold IRA already, mostly gold, but saw silver's price action and thought it was seriously undervalued compared to gold. Ended up allocating a small percentage to it, and while it hasn't been a rocket ship, it's definitely held its own and given me some nice diversification. Curious to hear what others think about platinum's potential though!

    10
    thomas_walker🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    Hey, that's a solid chunk of change in gold! Just curious, when you say "mostly gold," what percentage are we talking here? Like, 80/20 gold to silver, or something else entirely? Interesting to hear your thoughts on platinum too.

    9
    sandra_green📊Growing (50-100k)✓ Verifiedabout 2 months ago

    Totally get the appeal of looking for undervalued assets, especially with a solid gold base like that. But honestly, while platinum might *seem* undervalued right now, I'd be a bit cautious about going all-in for a Gold IRA. The industrial demand, while present, isn't quite as stable or diverse as gold's, and the price swings can be pretty wild. For a retirement account, that volatility might be more risk than you really want to take on, even with the potential upside. Just something to consider before diversifying too heavily into it.

    15
    betty_king📊Growing (50-100k)about 2 months ago

    Honestly, platinum's been on my radar too, but my experience leans me away for now. Back in '08, right before the crash, I dipped my toes in with a small platinum purchase – maybe $5k worth, just for diversification outside of my existing gold. The idea was similar to what people are talking about now, the industrial demand pushing it up. Well, it tanked harder than gold did and was much slower to recover. I ended up selling it off for a small loss a few years later when gold had already bounced back strong. It just felt like a less stable bet compared to gold in my IRA, especially when the economy gets shaky. Maybe I just had bad timing, but that experience in Raleigh definitely made me cautious. Stick with what's proven, that's my take.

    18
    jason_morgan💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    I've been watching platinum for a while, especially after seeing how gold performed during the last few dips, and I'm not entirely convinced by the "undervalued" argument right now. While industrial demand *could* pick up, the EV transition feels like a Sword of Damocles hanging over its automotive use. For my Gold IRA, I'm sticking to the tried and true; if I'm taking a flyer on precious metals, it's probably silver, which still has some tangible industrial growth narratives that feel more certain than platinum's right now.

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