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    Gold ripping to new highs - what's everyone doing now? Holding? Selling? Rebalancing that IRA?

    Key Takeaways
    • •Well, what a ride this has been!
    • •Watching gold clear $2,400+ an ounce has been pretty wild.
    • •Figured a real asset was a good hedge, especially with all the printing going on over the decades.
    See what your 401(k) could look like in gold

    Well, what a ride this has been! Watching gold clear $2,400+ an ounce has been pretty wild. I’ve had about 15-20% of my portfolio in physical gold for over twenty years now, mostly through a Gold IRA that I rolled over from my old 401k when I retired from Ford back in '18. I started seriously looking into precious metals back in the early 2000s, after seeing a few too many ups and downs in the stock market during my working years. Figured a real asset was a good hedge, especially with all the printing going on over the decades. My initial investment was nowhere near what it's worth today, thankfully.

    My current Gold IRA, which is a decent chunk of my overall retirement savings – probably still sitting close to that $500k-$1M range depending on market fluctuations – has really benefited from this surge. I'm honestly a little conflicted now. Part of me, the old auto industry guy who saw plenty of boom-and-bust cycles, wants to take some profits off the table. On the other hand, the global instability and ongoing inflation signals suggest gold could still have a lot more room to run. It feels like the smart move is just to hold course, especially with the dollar looking a bit shaky and all the geopolitical stuff happening.

    I’m just curious what other long-term gold holders are thinking. Are you guys holding tight, maybe looking at rebalancing your portfolios to lock in some of these gains, or even adding more on any dips? I've mostly been in it for the long haul, as an inflation hedge and a safe haven, not really for speculating. But when you see these kinds of run-ups, it's hard not to consider strategy adjustments. What's the general consensus on here for those of us with significant allocations in gold, especially considering a healthy portion is in a tax-advantaged account like an IRA?

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    4 comments

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    Best Answer▲ 7 upvotes
    J
    janet_cook📊Growing (50-100k)

    Hey, that's an awesome run for your gold, congrats! Given it's such a significant part of your portfolio, it might be a good idea to consider rebalancing, even if it's just to lock in some of those gains and reduce your overall risk exposure.

    For anyone else looking into Gold IRAs, I found this Investopedia article on Gold IRAs super helpful for understanding the ins and outs, especially about the rollover process and choosing a custodian. Might be worth a read if you're thinking about getting started or want to double-check your current setup.

    Comments (4)

    1
    barbara_white🏆Advanced (250-500k)Real Investor✓ Verified•about 3 hours ago

    Totally feel this! I'm in a similar boat, though not retired just yet. My Gold IRA is smaller part of my retirement, but it's been a real star this past year. Honestly, it's just chugging along and I'm not touching it. Let the good times roll, I say!

    2
    michelle_collins🏆Advanced (250-500k)Real Investor•about 3 hours ago

    Hey, that's awesome you've been in gold for so long and are seeing these gains! Quick question: when you say you started "seriously lookin" at things, what exactly were you looking at? Are you talking about specific allocation percentages, or maybe looking into different types of precious metals?

    4
    linda_taylor📊Growing (50-100k)✓ Verified•about 3 hours ago

    It's definitely exciting to see gold hitting these numbers! While it's great for those of us who've been holding, I'm personally a bit more cautious about "new highs" meaning it's time to rebalance *out* of gold. Volatility goes both ways, and in uncertain times, precious metals can still be a solid hedge even if they've had a good run. I'm not touching my allocation, just enjoying the ride for now. Always good to have that diversification, no matter what the market is doing.

    7
    janet_cook📊Growing (50-100k)•about 3 hours ago

    Hey, that's an awesome run for your gold, congrats! Given it's such a significant part of your portfolio, it might be a good idea to consider rebalancing, even if it's just to lock in some of those gains and reduce your overall risk exposure.

    For anyone else looking into Gold IRAs, I found this Investopedia article on Gold IRAs super helpful for understanding the ins and outs, especially about the rollover process and choosing a custodian. Might be worth a read if you're thinking about getting started or want to double-check your current setup.

    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.

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