Eagles vs. Buffalos for a Palladium IRA - Thoughts from a Gold Guy?

Matthew Murphy

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Eagles vs. Buffalos for a Palladium IRA - Thoughts from a Gold Guy?

matthew_murphy👑Elite (1m-5m)

about 1 month ago

Key Takeaways

•Diving into a new debate here, and honestly, it’s a bit outside my usual gold comfort zone.
•I’ve been almost exclusively in gold for my IRA, specifically American Gold Eagles.
•When I sold my tech startup back in '19, the market felt...

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Diving into a new debate here, and honestly, it’s a bit outside my usual gold comfort zone. I’ve been almost exclusively in gold for my IRA, specifically American Gold Eagles. When I sold my tech startup back in '19, the market felt... frothy. So, I dumped a good chuck—over $3 million—into physical gold held in a self-directed IRA. Best decision I ever made, watching that stack grow has been incredibly reassuring, especially given everything lately. Now, I'm vaguely considering diversifying a smaller portion into Palladium, maybe 5-10% of my overall IRA.

The main question is: for those of you holding Palladium in an IRA, are you leaning more towards American Palladium Eagles or Canadian Palladium Maples/other 0.9995 fine options? For gold, the Eagles felt like a no-brainer with the government backing and liquidity. Are the Palladium Eagles equally popular and liquid? Or is it like with some silver, where the Maples or other sovereign mints are often preferred for their higher purity?

I track my gold pretty religiously using that Gold IRA Calculator I found a while back – it’s super handy for seeing the real-time value and calculating potential future growth based on different price scenarios. I'd want something similar for tracking Palladium if I dive in. It's just a different animal to gold, and while I understand the industrial demand aspect, the retail market feels a bit smaller.

Any insights from the Palladium crowd would be awesome. Especially interested in ease of acquisition, buy/sell spreads you've experienced, and if there's any strong preference between the Eagles and other sovereign coins like there sometimes is with gold and silver. Don't want to make a rookie mistake outside my wheelhouse!

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5 comments

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Best Answer▲ 6 upvotes

susan_clark💰Established (100-250k)

Yeah, I totally get what you're saying about the "gold comfort zone." I'm pretty much in the same boat, all Eagles here too. But funny enough, I've been eyeing Palladium lately myself. Just for a small side bet, thinking about putting maybe 5% of my holdings into Canadian Palladium Maples. The supply constraints seem real, and it feels like it could be undervalued compared to gold right now.

Comments (5)

susan_clark💰Established (100-250k)Real Investor•about 1 month ago

Totally get where you're coming from, OP. I'm a gold bug too and anything outside of it feels a bit like venturing into the unknown. I had a similar moment with platinum a few years back. All my precious metals were in Gold & Silver Eagles, then a buddy convinced me to look into platinum. Ended up doing a small allocation (mostly as a hedge) and it's been... fine. Not blowing any doors off, but it's held its own. Good luck with the palladium decision!

steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verified•about 1 month ago

Hey, interesting move considering your gold background. You mentioned dumping a "good chunk" of that $3M into gold. Roughly what percentage are we talking did you allocate to gold at that time, and what informed that specific allocation?

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•about 1 month ago

Interesting post. While I totally get sticking to what you know, especially with that kind of capital, I'm a little surprised you're not giving platinum more thought for an IRA alongside palladium. You mention the "frothy" market in 2019, but platinum's fundamentals right now (demand for catalytic converters, green hydrogen, etc.) seem pretty compelling for long-term growth, arguably more so than palladium at its current price point, especially if you're looking for an alternative to gold.

Palladium definitely has its place, but platinum often gets overlooked as the "other" white metal, and it could offer some excellent diversification benefits and upside potential that might be worth exploring for your IRA.

nancy_hall💰Established (100-250k)Real Investor•about 1 month ago

Hey, interesting dive! Pallidum is definitely a different beast than gold. Since you're used to Eagles, have you looked into the Palladium Maple Leafs? They're super high purity (.9995) and can be a good option for an IRA. Just something to consider if you're exploring beyond the Buffaloes!

Also, make sure you're aware of the specific storage requirements and dealers that handle palladium IRAs, as it can be a bit more niche than gold. Good luck with the research!