Rebalancing - Ditching some rounds for bars?

Catherine Bell

Back to forum

⭕ Gold Rounds

Rebalancing - Ditching some rounds for bars?

catherine_bell🏆Advanced (250-500k)

about 1 hour ago

Key Takeaways

•Been thinking about rebalancing my Gold IRA and wanted to get some thoughts from the community here.
•Currently, a substantial chunk of my physical gold (talking maybe 70-80k of my roughly 300k gold IRA portfolio) is in rounds.
•I'm talking maybe a couple of 10oz or even one of those 100oz bars, if I can swing it after selling off a bunch of the smaller stuff.

Get the free Gold IRA guide

Been thinking about rebalancing my Gold IRA and wanted to get some thoughts from the community here. Currently, a substantial chunk of my physical gold (talking maybe 70-80k of my roughly 300k gold IRA portfolio) is in rounds. Mostly Canadian Maples and a good mix of AGEs and Buffalos from way back when I first started this thing seriously, probably close to eight or nine years ago. My grandfather always drilled into me the importance of having some physical, especially after seeing the timber market swings back in the 70s and 80s firsthand, though he was more of a land and silver guy himself.

My thinking now is, with the current market volatility and the general state of things, maybe it makes more sense to consolidate some of those rounds into larger bars? I'm talking maybe a couple of 10oz or even one of those 100oz bars, if I can swing it after selling off a bunch of the smaller stuff. The goal here is really about preserving generational wealth, not trying to make a quick buck, and the lower premiums on bars are appealing for that long-term hold. It just feels… more substantial, almost. Less to keep track of, fewer individual pieces to worry about if I ever needed to liquidate a portion down the line in Spokane.

Has anyone here done something similar? Like, gone from a bunch of smaller rounds to fewer, larger bars within their Gold IRA? What were your experiences with the buy/sell process? Did you feel like the premiums you saved were worth the hassle? And for those who hold bigger bars, do you prefer 10oz or 100oz, or even kilo bars? Curious to hear different perspectives, especially from folks who are also in it for the long haul.

3 comments

Considering a Gold IRA for your retirement?

Get a free info kit from a top-rated company — trusted by thousands of investors.

Under $100k? Compare options →

85 people viewed this today10 members requested a free kit this week15 investors bookmarked this

Best Answer▲ 10 upvotes

robert_thompson💰Established (100-250k)

Totally get this! I had a similar thought process last year. My Gold IRA was a bit heavy on the ASEs and I felt like I was paying a premium for the "collectible" aspect that wasn't really serving my long-term investment goals. Ended up swapping a good chunk for some 10oz bars. The spread was much better on the bars, which felt like a win. No regrets so far!

Comments (3)

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

Interesting thought! When you say "rounds," are these mostly 1oz coins you're looking to swap out, or do you have some of the smaller fractionals in there too? Just curious how the size/denominations play into your rebalancing strategy.

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

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

Interesting thought process, but I'm not sure I entirely agree on ditching rounds for bars for the sake of "rebalancing" in an IRA. While bars might have a slightly lower premium, we're talking about a long-term hold here, presumably. The fractional liquidity of rounds, even if you don't plan to sell soon, could be a silent advantage down the line. Plus, sometimes those rounds can hold their own in terms of appreciation due to their recognition and design. Just something to consider beyond pure weight-to-cost.

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →