Gold Movements & HFEA strategy (w/ IRA)

Joshua Phillips

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Gold Movements & HFEA strategy (w/ IRA)

joshua_phillips🏆Advanced (250-500k)

about 2 months ago

Key Takeaways

•Been watching this gold upswing lately and it's making me feel pretty good about a decision I made a few years back.
•For those of us who got a chunk of our retirement into gold IRAs, especially leading up to 2020, how are y'all feeling about the current trajectory?
•My strategy, which some of you might recognize, is a variation of the HFEA (Hedge Fundie Economic Apocalypse) or Permanent Portfolio.

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Been watching this gold upswing lately and it's making me feel pretty good about a decision I made a few years back. For those of us who got a chunk of our retirement into gold IRAs, especially leading up to 2020, how are y'all feeling about the current trajectory? I’ve got about a third of my total portfolio, roughly $150k, in a Roth Gold IRA, and the rest split between some growth ETFs and a few individual stocks I've been holding since my steel industry days. I know a lot of folks here are all about the aggressive growth, but having that physical gold hedge just feels right, especially with all the talk about inflation and geopolitical nonsense.

My strategy, which some of you might recognize, is a variation of the HFEA (Hedge Fundie Economic Apocalypse) or Permanent Portfolio. Basically, it's about balance across uncorrelated assets – gold, long-term bonds, and stocks. The gold piece of that puzzle has been performing admirably, providing a solid anchor when other parts of the market get squirrely. I’m thinking about rebalancing soon, maybe trim a little gold if it keeps climbing and redeploy into some beaten-down tech or even some short-term bonds, just to keep that diversification humming. Anyone else using a similar rebalancing approach with their gold holdings?

I stumbled across this cool tool, the "Silver vs Stocks" comparison on Gold IRA Blueprint, and it really puts things into perspective. While I'm a gold guy through and through, seeing how silver has stacked up against the S&P 500 over the last 10 years, even with its volatility, is insightful. It makes me wonder if I should be considering a slight allocation to silver in my traditional IRA, just to diversify within the precious metals space. Anyone here hold both gold and silver in their IRAs and have strong feelings one way or the other about their relative performance during market downturns?

My old man, God rest his soul, always told me, "Son, you can't go wrong with something that's been valuable for five thousand years." And honestly, coming from a family that's seen the ups and downs of commodity cycles in Birmingham for generations, that advice just rings true. I'm not saying it's going to make me a billionaire overnight, but for capital preservation and a peace of mind, especially as I head into my late 40s, it's priceless. What are your biggest motivators for holding gold right now?

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9 comments

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Best Answer▲ 18 upvotes

joyce_cooper📊Growing (50-100k)

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

Comments (9)

susan_clark💰Established (100-250k)Real Investor•about 2 months ago

Dude, I'm right there with you. My dad convinced me to put a small percentage into a gold IRA back in '19, and honestly, I kinda forgot about it. Now, seeing these headlines... feeling pretty smart about that passive move. Definitely a nice little boost to the overall portfolio. Makes me wonder if I should've gone bigger, haha.

charles_lewis💎Premium (500k-1m)Real Investor•about 2 months ago

Sounds like you made a smart move!

You mentioned "a third of my total" – is that a third of your *entire* portfolio, or just a third of your IRA specifically? Just curious how folks are allocating their gold.

robert_thompson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Totally get the appeal of gold right now, it's definitely had a great run. But I'm a bit more cautious about going all-in on any one asset, even gold, for a significant chunk of my retirement, especially in an IRA. While it's a great diversifier and inflation hedge, its long-term growth potential traditionally isn't as high as some broad market indexes. I mean, HFEA itself is pretty aggressive, so adding a super conservative (in terms of growth) asset like gold to that mix seems... interesting. Just my two cents, but it's great that it's working out for you!

frank_rivera💎Premium (500k-1m)Real Investor•about 2 months ago

Great to hear you're feeling good about your gold IRA! The recent upswing has definitely been a nice boost for many. While it's awesome to see those gains, it's always good to keep diversification in mind, even within your alternative assets. Maybe check out some analyses on the correlation between gold and other precious metals like silver or platinum in a hedging strategy. Sometimes they move differently and can offer even more stability.