Fed rate hike - feeling a bit exposed with my gold IRA

Sandra Green

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Fed rate hike - feeling a bit exposed with my gold IRA

sandra_green📊Growing (50-100k)

about 7 hours ago

Key Takeaways

•Okay, so another rate hike from the Fed, and honestly, I'm feeling a little… uneasy.
•My husband grew up on the farm, and his dad always said, "If you can't hold it, it ain't real wealth," and that's always stuck with me.
•We're not high rollers, just trying to keep what we've worked hard for in Kansas City, and tangible assets just make sense.

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Okay, so another rate hike from the Fed, and honestly, I'm feeling a little… uneasy. I know gold is supposed to be that safe haven, and for the most part, my Gold IRA has been doing well since I rolled over about $75,000 from my old 401k back in 2021. My husband grew up on the farm, and his dad always said, "If you can't hold it, it ain't real wealth," and that's always stuck with me. We're not high rollers, just trying to keep what we've worked hard for in Kansas City, and tangible assets just make sense.

I remember when I first started looking into this, everyone was saying how inflation was going to be a real problem, and boy, were they right. My Gold IRA has protected us quite a bit, I think, compared to what would have happened if it had all stayed in traditional stocks. But now with rates going up again, I'm starting to wonder if some of that shine is going to wear off. I know higher rates can make other investments, like bonds, look more attractive, and that can pull money away from gold. Am I overthinking this?

My concern is that if the Fed keeps this up, and we head into a deeper recession (which, let's be honest, feels like it's brewing), will gold still be that ultimate protector? We're talking about our retirement savings here, and while I believe in gold's long-term power, in the short-to-medium term, I'm feeling a touch of anxiety. I've got a decent chunk in physical gold and some silver too, all vaulted through my IRA provider, which gives me peace of mind knowing it's not some paper asset.

Anyone else out there feeling a similar way with their Gold IRA after these rate decisions? Or are you all just sitting tight, knowing gold will always do its thing eventually? What are your thoughts on how sustained higher rates impact our gold holdings, especially for those of us with portfolios in the $50k-$100k range? I'm curious if anyone has adjusted their strategy or if you're just holding firm.

5 comments

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Best Answer▲ 7 upvotes

christopher_young🌟Ultra (5m+)

Totally get this feeling. I had a similar moment last year when the Fed was really going at it. I'd just done a pretty substantial rollover into my Gold IRA too, maybe a year or so before, and those rate hike announcements just kept making me second-guess things. My dad was a big "always have some gold" guy, so I felt good about it initially, but then you wonder sometimes, right?

Comments (5)

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

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

Totally get the uneasy feeling, especially with all the market turbulence. You mentioned rolling over $75k in 2021 – did you diversify within your gold IRA at all, or is it mostly in physical bullion?

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

I hear you on the uneasiness, but I'm not sure I'd tie it directly to the Fed hikes for gold. Historically, gold *can* dip with rate increases because other assets become more attractive, but it's also a major inflation hedge. If those rate hikes don't actually curb inflation effectively, or if they tank the economy, gold still has a strong case.

Your timeline for getting in (2021) was pretty good, all things considered. I'd almost argue those rate hikes, in the long run, could even make gold more appealing if people lose faith in the Fed's ability to navigate things without a major downturn. Just my two cents.

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

Hey, totally get the anxiety with rate hikes. It can feel like everything's in flux! One thing that always helps me is to keep an eye on *real* interest rates (nominal rate minus inflation). Gold tends to do a lot better when real rates are low or negative, which isn't always directly correlated with the Fed's nominal hikes. Just something to consider!

There are some good resources out there that break it down without getting too technical if you want to dive deeper. Here's a decent article that explains the real rates concept pretty clearly: Investopedia: Real Interest Rate Explained. Might help you feel a bit more informed about what your gold's doing.

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

Totally get this feeling. When I first got into a gold IRA, I definitely had a moment of "is this the right move?" with all the Fed talk. Mine was a little smaller, around $50k from a 401k around the same time you did yours. It's done even better than I expected though. Hang in there!

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