Gold hitting ATHs - time to rethink my allocation?

Janet Cook

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Gold hitting ATHs - time to rethink my allocation?

janet_cook📊Growing (50-100k)

4 days ago

Key Takeaways

•Okay, so gold just smashed through $2,400 an ounce.
•My IRA is sitting pretty right now, probably up around 10% on the gold portion since the start of the year.
•Running a jewelry store here in Providence, I live and breathe precious metals, so I'm not new to this game.

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Okay, so gold just smashed through $2,400 an ounce. My IRA is sitting pretty right now, probably up around 10% on the gold portion since the start of the year. I've got maybe 70k of my 100k portfolio in physical gold held in my Gold IRA, and then the rest is in some silver coins and a few stocks I've mostly forgotten about. Running a jewelry store here in Providence, I live and breathe precious metals, so I'm not new to this game. I've seen the highs and lows, but this current run feels different, almost... unsustainable?

My gut tells me to lighten up on some of the gold, maybe reallocate into more silver. Silver's had a decent run too, but it feels like it still has more room to catch up to gold's insane climb. I’ve always operated under the belief that precious metals are a long-term hedge, and I know you don't time the market, but seeing these numbers makes me wonder if I'm leaving money on the table or if I'm just being greedy. This isn't just paper gains for me; this affects my potential retirement comfort.

I’m thinking about pulling maybe 10-15k out of gold in the IRA and putting it into silver Eagles or Maples. I know IRAs have their specific rules about what physical silver you can hold, but I deal with that all the time for my customers. The big question is: is this a smart move, or am I just getting caught up in the FOMO of silver's potential upside while gold is flying? Part of me also thinks about just letting it ride and enjoying the appreciation.

Anyone else in a similar boat with their Gold IRA? What's your strategy with gold breaking all-time highs like this? Are you staying put, rebalancing, or even adding more on the dips? I'm curious to hear what other long-term investors are thinking right now.

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5 comments

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Best Answer▲ 10 upvotes

matthew_murphy👑Elite (1m-5m)

Whoa, 70% in gold is pretty heavily weighted! Glad it's paying off for you right now, but that's a big chunk. If you're looking to potentially rebalance and diversify a bit without completely abandoning the precious metals play, sometimes folks consider adding silver to their IRA. It often tracks gold but can have its own moves too. Just a thought if you're rethinking your allocation!

Comments (5)

kenneth_parker💎Premium (500k-1m)Real Investor✓ Verified•4 days ago

Dude, I'm in a similar boat! My gold IRA has been killing it this year too. I actually ended up rebalancing a bit last month, took some profits and moved it into some dividend stocks I'd been eyeing. It felt kinda weird to sell gold, especially with it soaring, but it was just getting too top-heavy for my comfort level. Still keeping a solid chunk in gold though, can't argue with those returns!

barbara_white🏆Advanced (250-500k)Real Investor✓ Verified•4 days ago

Hey, that's some serious allocation! 70k out of 100k in physical gold is a pretty bold move. Quick question though, when you say "physical gold held in my Gold IRA," do you mean you actually own the physical coins/bars and they're stored in a depository, or are we talking about a gold ETF here?

janet_cook📊Growing (50-100k)•4 days ago

Hey, that's awesome your gold IRA is doing so well! It's definitely tempting to look at those ATHs and feel like it's time to reallocate. But sometimes, when everyone's talking about how high something is, it's actually the worst time to jump in or make drastic changes. Gold has a pretty unique role in a portfolio, and its value often goes beyond just the immediate gains. Might be worth considering its long-term stability and hedge against inflation before pulling too much out, even with those impressive numbers.

matthew_murphy👑Elite (1m-5m)Real Investor•4 days ago

william_davis💎Premium (500k-1m)Real Investor•4 days ago

Totally agree! My Gold IRA is also seeing some serious gains. I was up about 8% just last month and this latest surge is fantastic. It's definitely making me feel good about having a chunk of my retirement in physical.

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