Palladium in my IRA - worth it?

Paul Hill

Back to forum

🏢 Gold Companies

Palladium in my IRA - worth it?

paul_hill🏆Advanced (250-500k)

about 4 hours ago

Key Takeaways

•Alright, so I've been kicking around the idea of adding some palladium to my Gold IRA.
•He’s helped me set up my current IRA structure, which has been performing pretty darn well, but I’m wondering if palladium is the next logical step.
•My concern is the volatility.

Compare top Gold IRA companies — free

Alright, so I've been kicking around the idea of adding some palladium to my Gold IRA. My metals portfolio is sitting around $300k, mostly gold and some silver, and I'm always looking for different ways to hedge against inflation and frankly, just diversify beyond the usual suspects. I’m based out of Salt Lake City, and my financial advisor here has been a huge proponent of precious metals for years, especially with everything going on economically. He’s helped me set up my current IRA structure, which has been performing pretty darn well, but I’m wondering if palladium is the next logical step.

My concern is the volatility. Gold and silver, while they have their ups and downs, feel a bit more stable, you know? Palladium has seen some insane highs and lows in the past. On one hand, the industrial demand, especially from the auto sector with catalytic converters, seems pretty solid. But then what happens if there's a big shift in EV adoption or new tech comes out that doesn't need palladium? I’ve been using that Silver vs Stocks tool to compare how silver has performed against the market over the last 10 years, and it's given me some cool insights – really makes you think about how different assets ride the waves.

Has anyone here added palladium to their IRA? What’s been your experience? Did you go with coins or bars, and what percentage of your overall precious metals allocation did you commit to it? I’m leaning towards a smaller allocation, maybe 5-10%, just to dip my toes in, but I'm curious if anyone went in bigger and it paid off (or didn't). Any thoughts or warnings would be super helpful before I make a move on this. Thanks!

4 comments

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →

58 people viewed this today7 members requested a free kit this week10 investors bookmarked this

Best Answer▲ 7 upvotes

kenneth_parker💎Premium (500k-1m)

Interesting! You mentioned being "based out of" somewhere but it got cut off. Are there specific regulations or options for palladium IRAs that vary by region or state that you're looking into?

Comments (4)

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

Hey, I hear you on the diversification front! I actually went down a similar rabbit hole with platinum a few years back for pretty much the same reasons. Had a good chunk in gold and silver and felt like I needed something else. It hasn't been a wild ride, but it's been a steady part of the portfolio.

Palladium definitely has that industrial demand angle going for it, which is interesting. Have you looked much into the supply/demand forecasts for it? That was a big factor for me when I was researching platinum.

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

Interesting! You mentioned being "based out of" somewhere but it got cut off. Are there specific regulations or options for palladium IRAs that vary by region or state that you're looking into?

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•less than a minute ago

Hmm, interesting thought about palladium. I can totally see the appeal for diversification, especially with its industrial demand.

However, have you looked into the spread between buy and sell prices for palladium, especially for IRA-approved coins or bars? It can be significantly wider than gold or silver, which might eat into your gains if you ever need to liquidate. Just something to consider before diving in!

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•less than a minute ago

Hey, that's a solid portfolio you've got! Palladium can definitely be an interesting play for diversification, especially given its industrial demand.

One thing to keep in mind is that while it's less common than gold or silver in IRAs, you'll still need to make sure any palladium you buy meets the IRS purity standards (99.95% pure) and is stored by an approved custodian. A good resource for checking approved products and IRA rules is often found on sites like U.S. Money Reserve or Augusta Precious Metals – they usually have detailed guides on what's IRA-eligible. Good luck!

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →