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    Palladium in my IRA? Worth it or nah?

    C
    Key Takeaways
    • Been weighing out adding a palladium allocation to my self-directed IRA and wanted to get some gut checks from this community.
    • Currently sitting on a pretty hefty stack of physical gold and silver, plus a good chunk of mining stocks outside the IRA.
    • Inside the account, it's mostly gold ETFs and some physical gold/silver I previously rolled over.
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    Been weighing out adding a palladium allocation to my self-directed IRA and wanted to get some gut checks from this community. Currently sitting on a pretty hefty stack of physical gold and silver, plus a good chunk of mining stocks outside the IRA. Inside the account, it's mostly gold ETFs and some physical gold/silver I previously rolled over. My overall portfolio is north of $5M, and I'm always looking for ways to diversify and hedge against this crazy economic environment we're in. Located in Scottsdale, for context, so storage isn't an issue for physical metals if I go that route.

    My concern with palladium has always been the volatility. I know it has significant industrial demand, especially in auto catalysts, but that also makes it pretty susceptible to shifts in economic outlook and EV adoption. On the other hand, the supply side is pretty constrained, with most coming from Russia and South Africa, which adds a geopolitical premium. Thinking specifically about physical palladium bars or coins within the IRA, not ETFs. What are your thoughts on allocating around 5-10% of a precious metals IRA to palladium right now?

    For those who've gone this route, what was your experience like? Did you stick with it through the dips, or did you find it too volatile for an IRA holding? Any specific dealers or custodians you'd recommend for palladium in a self-directed IRA? I’ve worked with Augusta and Goldco before for gold/silver, but curious if there are better options for PGMs. Appreciate any insights, good or bad.

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    3 comments

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    Best Answer▲ 10 upvotes
    C
    christopher_young🌟Ultra (5m+)

    Interesting! You mentioned gold ETFs in the IRA. Are those physical-backed ETFs, or more like futures-based funds? Just curious how much direct palladium exposure you're aiming for.

    Comments (3)

    7
    sharon_evans💰Established (100-250k)Real Investorless than a minute ago

    Dude, I was in a similar boat like two years ago. Had a good amount of gold and silver myself, and was looking for that next thing. Decided to dip my toes in with a small palladium allocation in my IRA, mostly physical coins. Honestly, it's been surprisingly steady. Not the explosive gains of some things, but it's held its own and added a nice bit of diversification to the precious metals side. Definitely worth looking into for your situation, especially if you're already stacked on the other two.

    10
    christopher_young🌟Ultra (5m+)Real Investor✓ Verifiedless than a minute ago

    Interesting! You mentioned gold ETFs in the IRA. Are those physical-backed ETFs, or more like futures-based funds? Just curious how much direct palladium exposure you're aiming for.

    4
    karen_robinson💼Starter (0-50k)less than a minute ago

    Interesting thought process, OP. While I get the diversification angle, palladium's a bit of a wild card compared to gold and silver. It's got those industrial demands that can make its price pretty volatile. Are you genuinely looking for that kind of exposure, or just a different shiny thing to add to the basket? Sometimes simpler is better, especially for an IRA where you're thinking long-term stability.

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