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    Gold vs. Silver allocation - thinking about adding palladium too?

    Key Takeaways
    • Been wrestling with this for a while now and wanted to get some outside perspective.
    • My Gold IRA is sitting around $350k right now, mostly in gold.
    • My family’s always been about generational wealth, low risk, and physical assets – makes sense given our background in timber.
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    Been wrestling with this for a while now and wanted to get some outside perspective. My Gold IRA is sitting around $350k right now, mostly in gold. My family’s always been about generational wealth, low risk, and physical assets – makes sense given our background in timber. Gold just felt like the obvious choice for stability, especially with everything going on these days. But I've been eyeing silver more and more, and I'm wondering if I'm under-allocated there.

    Currently, I'm probably 85/15 gold to silver. My dad always said gold is the king, end of story. But when I look at the industrial demand for silver, the lower price point, and the potential for greater upside movement, it's hard to ignore. I'm not looking to get rich quick, but I also don't want to leave potential gains on the table if silver truly takes off. I’m thinking about rebalancing closer to 70/30 or even 60/40, but the idea of shifting such a significant amount of my portfolio makes me a little nervous, especially since I'm trying to grow this for my own kids someday.

    And to complicate things further, I've seen some chatter about palladium lately. I know it's a much smaller market, but the supply/demand dynamics seem interesting. Given I'm already in precious metals, would it be too much to consider adding a small position in palladium to my IRA? Maybe 5%? I'm based out here in Spokane, and while we're not exactly a financial hub, I've got a good advisor to bounce ideas off, but I value the collective wisdom here. Anyone made a significant shift from gold to silver recently and have any regrets (or triumphs)? And for those with palladium, how has that performed for you?

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    6 comments

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    Best Answer▲ 11 upvotes
    M
    mark_adams👑Elite (1m-5m)
    The idea of adding palladium to my portfolio always makes me think back to the early 2000s, when I was pouring over market reports in my Greenwich study, utterly convinced dot-com wasn't going to last. Everyone I knew was riding that wave, bragging about their paper gains, but my gut just screamed bubble. I remember my wife, God bless her, thinking I was crazy for pulling significant chunks out of tech and into something "so old-fashioned" like gold. She’d say, "But darling, everyone's making millions in NASDAQ!" My response was always the same: "They're not making millions; they're seeing millions on a screen." When the crash finally hit, it was brutal. Friends lost everything, homes, businesses... it was a dark time. But my gold, nestled safely with a reputable custodian, it just held. It wasn't about getting rich overnight; it was about stability, about preserving what I'd worked for. That period solidified my conviction. Now, with a diversified portfolio, primarily in gold and silver, I look at palladium and wonder if it offers the same kind of foundational security, or if it's more

    Comments (6)

    9
    frank_rivera💎Premium (500k-1m)Real Investorabout 1 month ago

    Totally get where you're coming from with the gold focus. My family also leaned heavily into tangible assets – in our case, it was real estate. For years, my Gold IRA was almost 100% gold for that "sleep-at-night security." Eventually, I started dipping my toes into silver, and it's been interesting to see the different movements. Palladium? I've thought about it too, but haven't pulled the trigger yet. Would love to hear what others say about it.

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

    Hey, that's a decent chunk of change! Interesting background with the timber, definitely makes sense why you're leaning into physical assets.

    Just curious, when you say "mostly in gold," what kind of percentage are we talking about for that $350k? Like 80/20 gold/silver, or even heavier on the gold?

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

    Hey, I hear you on the generational wealth and low-risk angle, especially with a background in timber – that's a solid foundation. While gold is definitely the classic choice for stability, I'd gently push back on the "low risk" aspect of having *mostly* gold. Diversification within precious metals, even if it's all physical assets, can still be beneficial. Palladium's interesting, but have you looked into platinum as an alternative for that industrial metal exposure? It often flies under the radar compared to palladium but has similar industrial demand drivers, sometimes with a more attractive entry point.

    2
    daniel_wright💎Premium (500k-1m)Real Investor✓ Verifiedabout 1 month ago

    Hey there! Sounds like you've got a solid foundation with that Gold IRA. When you're thinking about adding palladium, it's definitely worth checking out the premiums on smaller bars or coins versus larger ones. Sometimes the smaller denominations carry a significantly higher premium, which can eat into your investment returns. Always good to compare like for like before committing. Good luck!

    8
    paul_hill🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    Username: SLC_GoldBug I've been purely gold for the better part of a decade, and honestly, the stability has been a godsend in this market. I've got a little over $350k tucked away, mostly in physical and a smaller portion in a Gold-backed ETF, all within my self-directed IRA. The idea of adding palladium is intriguing, especially with industrial demand, but the volatility compared to gold gives me pause. Silver's a bit more palatable for diversification, but I'm still weighing the risk-reward there. Have any of you successfully integrated palladium without it giving you whiplash?

    11
    mark_adams👑Elite (1m-5m)Real Investorabout 1 month ago

    The idea of adding palladium to my portfolio always makes me think back to the early 2000s, when I was pouring over market reports in my Greenwich study, utterly convinced dot-com wasn't going to last. Everyone I knew was riding that wave, bragging about their paper gains, but my gut just screamed *bubble*. I remember my wife, God bless her, thinking I was crazy for pulling significant chunks out of tech and into something "so old-fashioned" like gold. She’d say, "But darling, everyone's making millions in NASDAQ!" My response was always the same: "They're not making millions; they're *seeing* millions on a screen." When the crash finally hit, it was brutal. Friends lost everything, homes, businesses... it was a dark time. But my gold, nestled safely with a reputable custodian, it just *held*. It wasn't about getting rich overnight; it was about stability, about preserving what I'd worked for. That period solidified my conviction. Now, with a diversified portfolio, primarily in gold and silver, I look at palladium and wonder if it offers the same kind of foundational security, or if it's more

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