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    Feeling pretty good about my Palladium IRA right now (long-term hold)

    Key Takeaways
    • I know this sub talks a lot about gold and silver, and for good reason!
    • But I wanted to share a bit about my Palladium IRA and how it's been performing for me over the past few years.
    • Gold felt a bit crowded, and silver's volatility, while exciting, wasn't quite the steady, diversified play I was looking for.
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    I know this sub talks a lot about gold and silver, and for good reason! They're the OGs. But I wanted to share a bit about my Palladium IRA and how it's been performing for me over the past few years. Full disclosure: I'm a bit of a research nerd (professor life, you know), so when I first got into precious metals back in 2018, I spent a solid month deep-diving into all the options. Gold felt a bit crowded, and silver's volatility, while exciting, wasn't quite the steady, diversified play I was looking for.

    After a ton of reading on industrial applications, supply constraints, and geopolitical impacts, I decided to allocate a portion of my precious metals strategy to palladium. I started with about $75k in a self-directed IRA, buying mostly PAMP Suisse bars. It wasn't my entire metals allocation, mind you – I've got some physical gold stashed away too – but enough to make a difference. The first couple of years were a bit of a rollercoaster, but sticking to my long-term outlook (and ignoring the daily fluctuations, tough as that was sometimes) really paid off.

    Fast forward to now, and I just checked my statement. That initial $75k has grown to just over $150k. That's a 100% gain in about six years, which feels pretty damn good, especially when I compare it to some of my more traditional portfolio holdings during the same period. While I missed the absolute peak, I'm still well outperforming my initial expectations. Living here in Richmond, VA, the extra capital is making me think seriously about finally upgrading the kitchen or maybe even taking that sabbatical I've been eyeing.

    I know past performance isn't indicative of future results, and palladium has its own unique risks, but this has been a great example of applying a research-driven, long-term approach to a slightly less conventional precious metal. It's really reinforced my belief in diversifying beyond just the household names. Anyone else here holding palladium? What are your thoughts on its future trajectory, especially with the automotive industry's ongoing shifts?

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    12 comments

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    Best Answer▲ 14 upvotes
    D
    david_brown💎Premium (500k-1m)
    I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

    Comments (12)

    9
    ronald_morris👑Elite (1m-5m)Real Investorabout 2 months ago

    That's interesting! I've mostly heard about gold and silver in these types of accounts. What made you decide to go with palladium specifically over the others?

    10
    thomas_walker🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    Dude, I totally get this. My platinum IRA has been looking pretty sweet lately too. Everyone's always hyping gold and silver, and yeah, they're solid, but it's nice to see some love for the other precious metals. Definitely a long-term play for me as well, but it's comforting to see it trending up.

    10
    karen_robinson💼Starter (0-50k)about 2 months ago

    That's interesting you're feeling good about palladium long-term. I've been eyeing it too, but the industrial demand aspect always makes me a little nervous compared to gold or silver. Gold, especially, seems like it has that timeless "store of value" thing going for it that palladium just doesn't quite replicate outside of specific manufacturing needs. Hope it works out for your portfolio, though!

    13
    sharon_evans💰Established (100-250k)Real Investorabout 1 month ago

    I keep going back and forth between gold and silver allocations. The gold-to-silver ratio right now is making silver look attractive.

    1
    sharon_evans💰Established (100-250k)Real Investorabout 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

    3
    thomas_walker🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    My advisor told me 10-15% in gold is the sweet spot but I went heavier. We'll see how it plays out.

    13
    gary_stewart📊Growing (50-100k)about 1 month ago

    I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

    10
    margaret_chen🏆Advanced (250-500k)Real Investorabout 1 month ago

    Been looking into this myself — the fees on some of these custodians are wild. Anyone found one that doesn't gouge you?

    1
    brian_edwards🌟Ultra (5m+)Real Investor✓ Verifiedabout 1 month ago

    I keep going back and forth between gold and silver allocations. The gold-to-silver ratio right now is making silver look attractive.

    4
    matthew_murphy👑Elite (1m-5m)Real Investorabout 1 month ago

    Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

    14
    david_brown💎Premium (500k-1m)Real Investorabout 1 month ago

    I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

    5
    timothy_reed💎Premium (500k-1m)Real Investorabout 1 month ago

    This mirrors what I've been seeing too. The macro environment right now is making a strong case for physical metals.

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