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    Feeling good about my gold, but still have inflation

    Key Takeaways
    • Caught myself staring at my IRA statement this morning, which isn't abnormal these days.
    • With all this chatter about inflation and the economy feeling… squirrely, I'm glad I pivoted a chunk of my portfolio into gold a while back.
    • I remember thinking about silver too, but the stability and historical performance of gold just appealed more to my cautious nature.
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    Caught myself staring at my IRA statement this morning, which isn't abnormal these days. With all this chatter about inflation and the economy feeling… squirrely, I'm glad I pivoted a chunk of my portfolio into gold a while back. I've got around $180k now, mostly in physical gold within my IRA, and frankly, it's been a relief knowing it’s not tied directly to the stock market's daily gymnastics. Being a military contractor here in Jacksonville, security is just ingrained in how I think, so having that tangible asset really speaks to me when things feel uncertain.

    My decision to pull the trigger on gold felt right at the time, especially with the dollar looking weaker and the Fed doing…whatever it is they're doing. I remember thinking about silver too, but the stability and historical performance of gold just appealed more to my cautious nature. Been wondering lately about diversifying a bit more into silver, specifically coins, as a hedge against this persistent inflation. I’ve heard arguments for it being a good industrial metal play, but also as a safe haven. What's the take here on silver coins for an inflation hedge, especially now?

    I was messing around with that "Silver vs Stocks" tool on Gold IRA Blueprint earlier today (https://silvervsstocks.goldirablueprint.com/?period=10Y) and it's pretty interesting seeing how it stacks up historically over 10 years. Makes me think I might be missing out on some decent gains there. But then again, the volatility sometimes makes me a little hesitant. Is anyone else looking at silver seriously right now with inflation still being a major concern? Or are we just riding the gold wave and hoping for the best?

    Would love to hear some thoughts, especially from anyone who's been in the game for a while. Are there particular types of silver coins that are better for an IRA? Any specific vendors that are more trustworthy than others? Always appreciate the insights here.

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    14 comments

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    Best Answer▲ 18 upvotes
    D
    david_brown💎Premium (500k-1m)
    I'm certainly with you on the general sentiment, OP. While my Gold IRA, which I started back in 2018 with around $150k and have since grown to over half a million, has been a fantastic hedge against the volatility we've seen, I'm starting to wonder if its sole purpose as an inflation absorber might be reaching its limits. Specifically, with the Fed's recent hawkish stance and the very real possibility of higher long-term interest rates, I'm looking at potential opportunity costs of having so much capital purely in a non-yielding asset. Is anyone else in Boston thinking about re-evaluating their precious metals percentage given the current rate environment, or am I just being overly cautious from my Beacon Hill office?

    Comments (14)

    5
    donna_rogers🏆Advanced (250-500k)Real Investorabout 2 months ago

    Totally get this feeling! I had a similar moment a few months back. Was looking at my statement, seeing the gold doing its thing, and felt a tiny wave of relief, but then the "what if" thoughts about everything else kicked in. It's like, you do the smart thing, and then the world just throws more curveballs. Glad to know I'm not the only one feeling that nuanced stress/relief combo!

    7
    donna_rogers🏆Advanced (250-500k)Real Investorabout 2 months ago

    Hey, glad to hear you're feeling good about your gold position! $180k is a solid chunk. When you say "physical gold within my IRA," are you talking about a specific type of IRA, like a self-directed one, and how did you go about setting that up?

    10
    donald_nelson💎Premium (500k-1m)Real Investor✓ Verifiedabout 2 months ago

    Hey, I hear you on the gold front, it definitely feels like a safe harbor sometimes. But I'm kind of curious why the inflation worries persist so much if a "chunk" of your portfolio is in gold. Like, isn't that the whole point of gold in an inflationary environment? To mitigate those exact worries?

    Maybe it's worth re-evaluating the *amount* of gold you have, or perhaps there are other factors at play making you feel squirrely about inflation that gold alone won't solve. Just a thought.

    5
    betty_king📊Growing (50-100k)about 2 months ago

    That's great you're feeling good about your gold position! It's definitely a solid move for inflation protection. Since you're already in physical, one thing to consider moving forward (if you haven't already, of course) is diversifying a *little* within precious metals, perhaps with some silver or platinum. They tend to have different supply/demand dynamics and can offer additional hedging.

    For research, I've found reputable resources like the World Gold Council and Kitco can be super helpful for staying on top of market trends and understanding the broader economic picture. Good luck!

    10
    diane_bailey💰Established (100-250k)Real Investorabout 2 months ago

    Yeah, I feel you on this one. Been looking at my own portfolio and feeling pretty good about the gold allocation too, especially seeing some of these insane grocery bills lately. I'm sitting at about $150k in my gold IRA and it's definitely a comfort knowing a chunk of my retirement is shielded from some of this economic weirdness. Still eyeing what's next though, trying to decide if I should funnel more in or diversify even further.

    0
    ruth_perez📊Growing (50-100k)about 2 months ago

    Totally get that feeling, my friend. I'm in Albuquerque and remember just last year fretting about the cost of everything, even with a decent chunk (around $75k) of my retirement savings safely in a Gold IRA. What really helped ease my mind was diversifying *within* commodities – I added a small position in silver and a couple of energy ETFs. It's not about ditching gold, but about broadening that protection.

    5
    helen_turner💰Established (100-250k)Real Investorabout 2 months ago

    Completely get the inflation worries, it's a constant battle. I've been holding gold in my IRA for about three years now – mainly physical, but also some mining stocks for diversification – and it's definitely been the most stable part of my portfolio during these volatile times. A while back, I stumbled onto a fantastic resource: Investopedia's Gold IRA Guide. It breaks down everything from choosing a custodian to understanding premiums in a super digestible way. I found it especially helpful for understanding the ins and outs of storing physical gold securely, which was a big concern of mine living here in Louisville.

    3
    james_wilson👑Elite (1m-5m)Real Investor✓ Verifiedabout 2 months ago

    Totally get the sentiment. I'm in NYC and, honestly, the last few years have been a wild ride. My portfolio (north of $2M) held up incredibly well through the inflation spikes of '21-'22 thanks to a decent allocation in physical gold. What I'm seeing now, though, is less about runaway inflation and more about prolonged economic uncertainty. I'm less worried about a 1970s style inflation surge and more about a persistent devaluing of the dollar, especially with the global debt picture. For me, that means staying the course with my precious metals and looking at some diversified real asset plays, rather than chasing growth stocks right now.

    18
    david_brown💎Premium (500k-1m)Real Investorabout 2 months ago

    I'm certainly with you on the general sentiment, OP. While my Gold IRA, which I started back in 2018 with around $150k and have since grown to over half a million, has been a fantastic hedge against the volatility we've seen, I'm starting to wonder if its *sole* purpose as an inflation absorber might be reaching its limits. Specifically, with the Fed's recent hawkish stance and the very real possibility of higher long-term interest rates, I'm looking at potential opportunity costs of having so much capital purely in a non-yielding asset. Is anyone else in Boston thinking about re-evaluating their precious metals percentage given the current rate environment, or am I just being overly cautious from my Beacon Hill office?

    0
    thomas_walker🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    Totally feel you on the inflation worries. I just started my Gold IRA journey a few months ago after finally pulling the trigger on diversifying some of my retirement funds, and it's wild how much I'm learning. My portfolio is much smaller than yours, but I'm looking at putting around $250k into gold eventually. I'm wondering - what's your take on *specific* types of gold for inflation protection? I went with mostly American Gold Eagles because they felt "safe," but I'm still trying to get a handle on the nuances. Pro tip: use the Eligibility Checker at https://eligibility.goldirablueprint.com/?forum first - saved me a lot of hassle figuring out if my old 401k even qualified.

    18
    nancy_hall💰Established (100-250k)Real Investorabout 2 months ago

    It's interesting to see the continued focus on inflation, especially with gold positions. While I get the instinct, my own portfolio, which includes a decent chunk in physical gold held with Augusta Precious Metals, isn't seeing the inflation boogeyman as the primary driver right now. After watching the market from Tampa for the last few years, I'm leaning more on gold as a hedge against geopolitical instability and currency debasement. A couple of years back, when everyone was screaming hyperinflation, gold held its own but the real gains later seem more tied to global uncertainty. Just my two cents from my own modest ~200k portfolio.

    14
    kenneth_parker💎Premium (500k-1m)Real Investor✓ Verifiedabout 2 months ago

    I hear you on the inflation worries. My gold holdings, which are a significant portion of my portfolio after converting a chunk of my 401k to a Gold IRA a few years back, definitely provide a sense of security. However, I've been actively exploring real estate in the Memphis area – particularly income-generating properties – as an additional hedge against persistent inflation, since even gold, while a store of value, doesn't generate income on its own.

    10
    sharon_evans💰Established (100-250k)Real Investorabout 2 months ago

    Totally get the inflation worries, but honestly, focusing solely on gold for that feels a bit like fighting yesterday's war. I've got a decent chunk in my Gold IRA (around 15% of my portfolio, was closer to 20% back in '21 before I rebalanced), but here in Tulsa, I'm finding real estate, even smaller commercial properties, is quietly outperforming in terms of genuine inflation *protection* over the mid-term. Gold's great for stability, sure, but for true growth that outpaces the current cost of living? I think we need to look beyond the shiny stuff.

    2
    susan_clark💰Established (100-250k)Real Investorabout 2 months ago

    Really valuable perspective. I'll definitely keep this in mind as I make my decisions.

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