Palladium in my IRA? Worth it or nah?

Barbara White

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Palladium in my IRA? Worth it or nah?

barbara_white🏆Advanced (250-500k)

about 2 months ago

Key Takeaways

•Been seeing a lot more chatter about palladium lately, and it's got me thinking.
•I'm a firm believer in the tangible asset game, especially after seeing some of the financial gymnastics during my time as a bank manager.
•That experience really solidified my view on diversifying beyond just paper.

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Been seeing a lot more chatter about palladium lately, and it's got me thinking. I've been pretty focused on gold and silver for my precious metals allocation in my IRA – got about 80% gold, 20% silver right now, totaling around $350k in physical metal. I'm a firm believer in the tangible asset game, especially after seeing some of the financial gymnastics during my time as a bank manager. That experience really solidified my view on diversifying beyond just paper.

My rationale for gold and silver has always been long-term store of value and inflation hedge. Palladium, though... I'm a bit torn. I know it's had some crazy runs, especially with the auto industry, but the volatility also gives me pause. It feels almost more like a speculative play than a foundational hedge, and that's not typically what I'm looking for in my IRA. I live in Portland, so I'm not exactly looking for hyper-growth opportunities, more stability and protection against the unknown.

So, for those of you who have palladium in your IRA, or have considered it and passed, what's your take? Did you allocate a smaller percentage? What convinced you it was a good move, or why did you decide against it? I'm debating whether to carve out maybe 5-10% of my silver allocation to dip my toes into palladium, or if I should just stick to my guns with gold and silver and ride out any potential fluctuations in those. Love to hear some real-world thoughts here!

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3 comments

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Best Answer▲ 8 upvotes

janet_cook📊Growing (50-100k)

That's a pretty hefty allocation in gold and silver, sounds like you're serious about the tangible assets!

You mentioned "physical metal" – are we talking actual coins and bars held in a depository, or are you looking at palladium ETFs or other paper assets for this potential palladium move?

Comments (3)

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

Dude, I was in a super similar spot about a year ago. Had my gold/silver split locked in and then palladium started popping up everywhere. Ended up dipping my toes in with a small percentage, like 5% of my metals. It's been interesting, not gonna lie. Not a huge mover for me yet, but I'm keeping an eye on it.

janet_cook📊Growing (50-100k)•about 2 months ago

That's a pretty hefty allocation in gold and silver, sounds like you're serious about the tangible assets!

You mentioned "physical metal" – are we talking actual coins and bars held in a depository, or are you looking at palladium ETFs or other paper assets for this potential palladium move?

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

Interesting thought process, OP. While palladium has definitely seen some wild swings and could be an interesting play for some, I'd be hesitant to jump in with such a significant chunk of change, especially since you're already 100% precious metals. Gold and silver are the OG safe havens for a reason, and while palladium has its industrial demand, it's a much smaller, more volatile market. Diversification *within* precious metals is good, but maybe not at the expense of diluting your core stable assets.

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