Made 18% on my Gold IRA in 5 years - Vegas investor here

Dorothy Lopez

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🥇 Gold IRA

Made 18% on my Gold IRA in 5 years - Vegas investor here

dorothy_lopez💰Established (100-250k)

about 3 hours ago

Key Takeaways

•Just hit the five-year mark since I rolled over a chunk of my old 401k into a Gold IRA, and thought I'd share my experience.
•Been in the casino industry out here in Vegas for way too long, so I know a thing or two about calculated risks and managing a bankroll.
•I put in a little over $100k, aiming for around 20% of my total portfolio to be in precious metals.

See what your 401(k) could look like in gold

Just hit the five-year mark since I rolled over a chunk of my old 401k into a Gold IRA, and thought I'd share my experience. Been in the casino industry out here in Vegas for way too long, so I know a thing or two about calculated risks and managing a bankroll. When I decided to diversify out of just stocks and bonds back in 2019, gold felt like a solid hedge, especially with how volatile everything was looking globally. I put in a little over $100k, aiming for around 20% of my total portfolio to be in precious metals. It wasn't about getting rich quick, more about protecting some wealth.

I gotta say, the process itself was straightforward. Found a decent custodian, went with physical gold coins – American Gold Eagles mostly. The idea of having something tangible, even if it's stored in a vault, just resonated with me after seeing so many crazy market swings. Fast forward to now, and my initial investment of ~$100k is sitting pretty close to $118k. That's an 18% return over five years, or roughly 3.3% annually compounded. Not life-changing money by any stretch, but damn, it feels good knowing that portion of my portfolio held its own and grew even with all the craziness these past few years.

I've been looking at tools like the "Gold vs Stocks Comparison" tool recently, just to put things in perspective. For the 5-year period, gold actually outpaced the S&P 500 when I started, which was interesting to see. It’s a good reminder that diversification really does matter, especially when you can’t predict what the next five years will bring. I remember so many people telling me it was a dumb move, that gold was a "boomer asset" and I was missing out on tech stocks. Well, those tech stocks had their moments, sure, but so did gold.

Anyone else here feeling good about their gold holdings recently? Or did I just get lucky with my timing? Thinking about adding a little more, maybe another $25k to $50k depending on market conditions. My main goal is capital preservation and a hedge against inflation. What's everyone's overall target allocation for precious metals in their retirement accounts these days?

4 comments

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Best Answer▲ 10 upvotes

kenneth_parker💎Premium (500k-1m)

Nice return! 18% over five years is solid, especially with how volatile things have been. It sounds like you had a good strategy going in.

For anyone looking to diversify further, don't forget to look into the different types of precious metals allowed in an IRA. While gold is great, sometimes silver, platinum, or palladium can offer different growth opportunities or act as a hedge in slightly different market conditions. The IRS website has a good breakdown of what's allowed.

Comments (4)

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

Nice! Always good to hear positive stories about Gold IRAs. I had a similar experience a few years back. Not quite 18%, but definitely a solid return and gave me some peace of mind knowing a portion of my retirement wasn't tied to the whims of the stock market. Feels good to have some tangible assets in there, right?

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•less than a minute ago

Congrats on the 18% over five years, that's pretty solid! Out of curiosity, did you go with all physical gold, or did you include any other precious metals in that IRA?

michael_anderson🏆Advanced (250-500k)Real Investor•less than a minute ago

That's a solid return, especially considering the timeframe. But 18% over five years isn't exactly knocking it out of the park, is it? Plenty of other asset classes have seen significantly higher gains in that same period, even with some volatility. Gold definitely has its place for stability, but for growth, it sometimes feels like you're leaving money on the table.