Fed Hikes Got Me Thinking About My Gold IRA - Anyone else?

Timothy Reed

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Fed Hikes Got Me Thinking About My Gold IRA - Anyone else?

timothy_reed💎Premium (500k-1m)

about 11 hours ago

Key Takeaways

•Been in the dairy game my whole life out here in Wisconsin, seen my share of ups and downs with commodity prices and interest rates.
•But this recent string of Fed rate hikes has me really scratching my head about my gold IRA.
•It's done okay, definitely held its own when the market was having a fit.

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Been in the dairy game my whole life out here in Wisconsin, seen my share of ups and downs with commodity prices and interest rates. But this recent string of Fed rate hikes has me really scratching my head about my gold IRA. I rolled over a good chunk of my old 401k into gold back in 2020 – probably around $600k or so at the time – felt like the smart move with all the uncertainty. It's done okay, definitely held its own when the market was having a fit.

Now, everything I thought I knew was that higher rates generally aren't great for gold since bonds offer a better yield, right? But then I see gold still hanging in there, even with the Fed hammering away. Makes me wonder if there's more to it or if we’re just in a weird, unprecedented cycle. I'm not looking to sell, not by a long shot – I see this as a long-term hedge, especially with how much the government is printing. But it does make you think about asset allocation and if I should be thinking about rebalancing a bit down the road.

Are any of you other gold IRA folks in a similar boat, watching the Fed and wondering how it's really impacting your holdings? Or am I just overthinking it like I do every time I'm trying to fix a broken baler? Would love to hear some other perspectives, especially from anyone who's been through a few of these rate cycles before. What are your thoughts on gold's resilience right now despite the Fed?

5 comments

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Best Answer▲ 10 upvotes

christopher_young🌟Ultra (5m+)

Totally feel this! I'm in a different industry, but those rate hikes definitely made me re-evaluate my own portfolio. I also did a 401k rollover into a gold IRA a few years back, and while I'm still feeling good about it long-term, it's those short-term wiggles that always get you thinking. Good to know I'm not the only one!

Comments (5)

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

joyce_cooper📊Growing (50-100k)✓ Verified•less than a minute ago

Totally get that feeling, especially with all the turmoil lately. You mentioned you rolled over a "good chunk" in 2020. I'm curious, did you go 100% gold with that rollover, or did you diversify with other precious metals like silver?

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

Interesting take. I can totally see why the rate hikes would make you think about your gold IRA, especially with your background in commodities. But personally, I'm not sure the Fed's moves *alone* are the biggest factor for gold right now. It feels like there are so many other geopolitical and economic currents at play that could move gold regardless of what the Fed does in the short term. Just a thought!

linda_taylor📊Growing (50-100k)✓ Verified•less than a minute ago

Hey there! Totally get what you mean. Fed hikes often make people re-evaluate their portfolios, especially alternative assets like gold.

One thing that's super helpful is to keep an eye on the real interest rates (nominal interest rate minus inflation). When those are low or negative, gold tends to do better. You might find some good economic primers on sites like the St. Louis Fed's FRED database, which can help track those trends. Good luck!

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

Totally! I'm in a similar boat. I moved a decent chunk into a gold IRA in late 2020 too, right when everyone was saying the sky was falling. With these Fed hikes, I've been checking my portfolio way more often than I usually do. So far, feeling pretty good about it though. My gold holdings have definitely helped balance out some of the other dips.

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