Inflation protection with gold in IRA - Anyone else adjusting their exposure?

Mark Adams

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Inflation protection with gold in IRA - Anyone else adjusting their exposure?

mark_adams👑Elite (1m-5m)

about 7 hours ago

Key Takeaways

•Been feeling increasingly antsy about inflation, especially after the latest CPI print.
•My fund's definitely repositioning some portfolios, but it got me thinking about my personal Gold IRA.
•Live in Greenwich, so the usual concerns regarding asset protection are always top of mind.

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Been feeling increasingly antsy about inflation, especially after the latest CPI print. My fund's definitely repositioning some portfolios, but it got me thinking about my personal Gold IRA. I initially set up a fairly aggressive gold allocation a few years back, probably around 12-15% of my total retirement assets, primarily for the anti-correlation during market downturns and general wealth preservation. Live in Greenwich, so the usual concerns regarding asset protection are always top of mind.

Now, with the inflation narrative getting louder, I'm wondering if I should lean even harder into gold. Not just physical, but maybe some mining equities within the IRA as well, or even a platinum allocation. My exposure is almost exclusively gold bullion right now. I'm sitting on a decent chunk, probably north of $500k in the gold IRA itself, but with broader portfolio numbers reaching into the low-to-mid seven figures, I'm trying to optimize every angle. Historically, gold should be a hedge, but I'm seeing arguments for and against its effectiveness in the current climate.

Anyone else in a similar boat, reviewing their precious metals allocation specifically for inflation protection? Are you buying more, holding steady, or even divesting if you think other assets are better positioned? My inclination is to beef up my platinum holdings and maybe add some well-vetted miners, but I'm open to hearing alternative perspectives or anything I might be overlooking.

Also, are you using specific types of gold (e.g., fractional vs. larger bars) for this purpose, and does that choice even matter in an IRA? Any thoughts on how a ~15% allocation holds up against sustained inflation?

3 comments

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Best Answer▲ 9 upvotes

ashley_baker💼Starter (0-50k)

I get the inflation anxiety, totally. But I'm actually a bit more on the fence about gold right now. While it's historically been a good hedge, with interest rates potentially staying higher for longer, I wonder if other asset classes might offer a better, or at least more diversified, inflation shield. Maybe some real estate or even TIPS could be worth a look instead of just upping the gold ante.

Comments (3)

david_brown💎Premium (500k-1m)Real Investor•less than a minute ago

Totally feel this. I actually did something similar a few years back, though probably not as aggressive as your initial allocation. With all the economic uncertainty, my gold position has definitely been a comfort. I haven't adjusted it recently, but this post is making me wonder if I should be re-evaluating my percentages. Good food for thought!

joseph_harris📊Growing (50-100k)•less than a minute ago

Hey, totally feel you on the inflation anxiety. It's definitely making me rethink my own allocations too. You mentioned your fund is "repositioning some portfolios" - can you elaborate a bit on what that looks like? Are they increasing gold exposure, or exploring other inflation hedges as well?