Eagles vs. Buffalos for a Palladium IRA - Thoughts?

Linda Taylor

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Eagles vs. Buffalos for a Palladium IRA - Thoughts?

linda_taylor📊Growing (50-100k)

about 3 hours ago

Key Takeaways

•Now that my gold is diversified, I'm looking to put around $30-40k into palladium for some extra security.
•I'm a nurse here in Seattle, and the economy feels… volatile, to say the least, so I'm trying to maximize every angle for retirement.
•From what I'm reading, both the Palladium Eagle and the Palladium Maple Leaf are 0.9995 fine, so purity isn't really the deciding factor.

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Okay, so I've been doing a ton of research for my new Palladium IRA, and I'm really torn between the American Palladium Eagle and the Canadian Palladium Maple Leaf (the Buffalo is technically a US gold coin, I know, but folks often lump them together in this "national icon" debate for IRAs). I already have a significant chunk of my retirement savings in a Gold IRA – about $65k there, mostly Eagles, which I started a few years back when I turned 45. Now that my gold is diversified, I'm looking to put around $30-40k into palladium for some extra security. I'm a nurse here in Seattle, and the economy feels… volatile, to say the least, so I'm trying to maximize every angle for retirement.

From what I'm reading, both the Palladium Eagle and the Palladium Maple Leaf are 0.9995 fine, so purity isn't really the deciding factor. It seems to come down to premium, liquidity, and maybe even just personal preference. Eagles tend to have a slightly higher premium from what I've seen, probably because they're US mint, but I wonder if that also translates to better resale value or easier liquidation down the line, especially if I need to sell when I'm 70 or 75. Has anyone here had to sell either of these from their IRA before? What was the experience like?

I'm leaning towards the Eagles just because I'm used to them with my gold, and there's a certain comfort in sticking with a known quantity. But that higher premium does sting a little, especially when I'm trying to get as much physical metal as possible for my buck. With Palladium being less common than gold or silver, I also worry about finding a good buyer when the time comes. Are there any other high-quality palladium coins or bars that are IRA-eligible that I should be considering? I want to make sure I'm making the most informed decision for this next big chunk of my retirement.

3 comments

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Best Answer▲ 10 upvotes

maria_campbell📊Growing (50-100k)

Honestly, I'm not sure why everyone gets so hung up on the "national icon" aspect for an IRA. Like, I get wanting a pretty coin, but for an investment vehicle, isn't the primary concern liquidity, premium, and brand recognition in the dealer market, not just collector appeal?

The Buffalo comparison is especially odd here since we're talking about palladium. Are we really going to pretend a gold coin's popularity translates directly to a completely different precious metal? Seems like overthinking it when the core financial principles should probably be at the forefront.

Comments (3)

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

Totally get this dilemma! I had the exact same thing when setting up my silver IRA. Everyone kept recommending ASEs, but I found some really good deals on Canadian Silver Maples and ended up going with those. No regrets so far, and I actually prefer the design. Good luck with your decision!

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

Interesting comparison, OP! I'm curious, when you say "folks often lump them together," are you seeing that specifically for palladium, or more generally when people are talking about precious metal IRAs and national icon coins?