Fed rate decision and my portfolio - feeling a bit antsy

Robert Thompson

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Fed rate decision and my portfolio - feeling a bit antsy

robert_thompson💰Established (100-250k)

about 7 hours ago

Key Takeaways

•This endless waiting game with the Fed and their rate hikes is really starting to get to me.
•I've got a good chunk of my retirement savings, probably around $180k, tucked into my Gold IRA, mostly in Eagles and some assorted bars.
•I started building it up after the '08 crisis hit and wiped out a decent part of my previous portfolio.

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This endless waiting game with the Fed and their rate hikes is really starting to get to me. I've got a good chunk of my retirement savings, probably around $180k, tucked into my Gold IRA, mostly in Eagles and some assorted bars. I started building it up after the '08 crisis hit and wiped out a decent part of my previous portfolio. As a retired teacher here in Phoenix, that was a real wake-up call, and gold just felt like the safest bet for preserving what I had left.

Every time there’s a whisper about a rate hike or pause, I’m glued to the financial news. It feels like gold has been under a bit of pressure lately, and I can't help but wonder if I made the right move going so heavy into it. Don't get me wrong, I still believe in gold as a long-term hedge, but in the short-term, these fluctuations can be pretty unnerving. I keep remembering how well it did when things were really uncertain, and I'm hoping it gets back to that kind of performance soon.

My dealer keeps reassuring me that I'm diversified enough within precious metals, and that gold is for long-term wealth preservation, not day trading. I get it, but it's hard to just sit back and watch sometimes. Am I overthinking this? Are any of you feeling the same way about the Fed's impact on your gold holdings, especially with the dollar strengthening a bit?

What are your thoughts on how gold performs in a rising rate environment versus a stable one? And how much of your portfolio is in physical gold versus other assets? Just trying to get a sense if my anxiety is justified or if I need to just take a deep breath and trust the process.

4 comments

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Best Answer▲ 6 upvotes

janet_cook📊Growing (50-100k)

Hey, totally feel you on the "endless waiting game." That '08 crisis really changed how a lot of us think about retirement. Quick question on your Eagles – are those mostly American Gold Eagles or a mix of types? Always curious what others are holding.

Comments (4)

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

Totally get what you mean! I also started my Gold IRA after '08, though with a bit less, probably around $100k now. Every time the Fed meeting comes around, I feel that familiar sense of dread. It's like, no matter what they do, there's always a new ripple effect to worry about. Good to know I'm not the only one feeling a bit antsy about it all!

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

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

Totally get the "antsy" feeling, it's a stressful time for sure. But I'm not entirely convinced the Fed's rate decisions are the be-all and end-all for gold, at least not in the way some people think. A lot of the time, the market's already priced in their moves, and gold can sometimes act more on global instability or inflation expectations regardless of what the Fed is doing with rates. That $180k isn't going to vanish overnight from a rate hike, especially in physical. Just my two cents.

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

Totally get the antsy feeling, friend. It's tough when the market's so beholden to Fed announcements. For tracking inflation and how it might impact your gold, I've found the BLS CPI data to be a super useful (if not always comforting) resource. Good luck out there!

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