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    Palladium in the IRA - Anyone else diversifying beyond gold & silver?

    Key Takeaways
    • Been thinking a lot about diversifying the Gold IRA beyond just gold and silver.
    • I’m sitting on about $70k in precious metals right now, mostly split between American Gold Eagles and some nice chunky silver bars.
    • I’ve been a big believer in precious metals for a while now, especially with everything going on globally.
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    Been thinking a lot about diversifying the Gold IRA beyond just gold and silver. I’m sitting on about $70k in precious metals right now, mostly split between American Gold Eagles and some nice chunky silver bars. I’ve been a big believer in precious metals for a while now, especially with everything going on globally. As the mayor of a smaller community here in Boise, I see firsthand how important stability and long-term planning are, and that extends to my own investments.

    I was chatting with my financial advisor, and he brought up palladium. Honestly, I hadn't given it much thought beyond knowing it's a precious metal. He mentioned its industrial demand and how it's historically outperformed gold and platinum at times, but also, obviously, it's a lot more volatile. My gut tells me to stick with what I know, but part of me is feeling that FOMO on potential growth. I’m certainly not looking to go all-in, maybe just allocate a small percentage, say 5-10% of my total metals portfolio, possibly to some Palladium American Eagles if I can find them reasonably priced.

    Anyone here have any experience with holding palladium in their IRA? What are your thoughts on its role as a long-term hedge or growth play compared to gold and silver? Is it just too niche and speculative, or is it a smart way to broaden exposure? I’m particularly interested in hearing from folks who aren't just selling it, but actually have it sitting in their physical IRA. Thanks for any insights you can share!

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    5 comments

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    steven_mitchell🏆Advanced (250-500k)

    Hey, I hear you on this! I went through a similar thought process a few years back. Had a good chunk in gold and silver, felt solid, but then started wondering about palladium too. Ended up dipping my toes in with a small allocation, and honestly, it's been interesting to watch. Definitely adds another layer to the diversification. Good luck with whatever you decide!

    Comments (5)

    10
    steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verifiedless than a minute ago

    Hey, I hear you on this! I went through a similar thought process a few years back. Had a good chunk in gold and silver, felt solid, but then started wondering about palladium too. Ended up dipping my toes in with a small allocation, and honestly, it's been interesting to watch. Definitely adds another layer to the diversification. Good luck with whatever you decide!

    2
    maria_campbell📊Growing (50-100k)✓ Verifiedless than a minute ago

    Interesting thought! So you're looking at palladium specifically? Are you considering physical palladium, or maybe an ETF that tracks the metal? And if physical, any particular products you're eyeing that are IRA eligible?

    6
    maria_campbell📊Growing (50-100k)✓ Verifiedless than a minute ago

    Interesting thought process, and I totally get the desire to diversify. But with palladium, have you looked into its historical volatility compared to gold? While it's had some insane runs, it also seems to have some pretty dramatic drops. For an IRA, where stability is often a key consideration, I'd be a bit wary of bringing in something that swings *that* wildly. Just something to chew on!

    6
    catherine_bell🏆Advanced (250-500k)Real Investorless than a minute ago

    Hey, that's a solid strategy exploring palladium! It definitely adds another layer of diversification. One thing to keep in mind, though, is the liquidity. While gold and silver are pretty universally recognized and easy to sell, palladium can sometimes have a smaller buyer pool, especially for larger amounts. Might be worth checking out APMEX's palladium page for their buyback rates or just to get an idea of current market liquidity before going all in. Good luck!

    8
    mark_adams👑Elite (1m-5m)Real Investorless than a minute ago

    Totally agree with you on this one! I'm doing something similar. My IRA is about 60% gold, 20% silver, and I actually went ahead and picked up some palladium a few months back. Only about 5% of my holdings, but it's been a nice little boost so far. Definitely worth considering for that extra diversification.

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