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    My 5-year Gold IRA: Up 28% and feeling good, curious about others' experiences

    Key Takeaways
    • Just hitting my 5-year mark with my Gold IRA and wanted to share my experience, mostly to see if others have similar returns or different strategies.
    • I started this whole thing back in early 2019, right before all the craziness, actually.
    • My initial investment was about $75k, mostly rolled over from an old 401k sitting stagnant.
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    Just hitting my 5-year mark with my Gold IRA and wanted to share my experience, mostly to see if others have similar returns or different strategies. I started this whole thing back in early 2019, right before all the craziness, actually. My initial investment was about $75k, mostly rolled over from an old 401k sitting stagnant. I'm a healthcare admin here in Tampa, so stability and long-term security really appeal to me, especially with all the economic chatter.

    My portfolio is now sitting at roughly $96k, which, if my quick math is right (and it usually is, thank goodness for spreadsheets), is about a 28% increase. That's not blowing anyone’s mind compared to the S&P over the same period, I know. But honestly, I'm genuinely pleased with that. It’s been steady, reliable growth, and the peace of mind knowing a portion of my retirement isn't tied directly to the stock market's rollercoaster rides is huge for me. I've only made one additional deposit since my initial rollover, about $10k in late 2021 when I felt a bit nervous about inflation spiking.

    I went with a pretty standard mix of American Gold Eagles and Canadian Gold Maples. My original broker was pretty good about walking me through the tax implications and storage options. I opted for segregated storage, felt a little more secure that way. I occasionally check the spot price, but mostly I just let it ride. I’m thinking about adding another $15-20k sometime in the next 12-18 months. Does anyone else here only check their statements once a quarter or less?

    For those of you who have been in the gold IRA game longer than me, or even just started, what are your thoughts on potential future growth? Are you diversifying into other precious metals within your IRA, like silver or platinum? I've stuck purely to gold so far, but I’m always open to learning more. I’ve seen some ads for silver IRAs lately, but haven’t really dug into it. Any thoughts on diversifying the precious metal holdings themselves?

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    6 comments

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    Best Answer▲ 15 upvotes
    A
    ashley_baker💼Starter (0-50k)

    Glad to hear your 5-year is solid! Mine's not quite that high, sitting at a modest 19% over 4 years with Augusta. I started with only about 15k originally, which felt like a massive leap at the time for a first-time Gold IRA investor. The 28% makes me wonder if I should've been more aggressive with my initial allocation or perhaps diversified my metal types more heavily into silver earlier on, given its recent performance. I'm in Charleston, SC, and the thought of hurricanes makes me sleep a little easier knowing some of my assets aren't just digits on a screen, but that 28% still sounds like a dream compared to my current returns.

    Comments (6)

    7
    margaret_chen🏆Advanced (250-500k)Real Investorabout 1 month ago

    That's awesome to hear! Congrats on the 28% return, that's really solid. I'm actually in a pretty similar boat. Started my Gold IRA around the same time, maybe a few months later, with a slightly smaller chunk of change. I'm definitely seeing some healthy gains too, not quite 28% but definitely enough to make me feel good about the decision. It's wild how much things have changed since then, makes you appreciate having some of that physical asset protection. Good to know others are seeing success with it!

    10
    joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    That's awesome you're up 28%! While that's a solid gain, it's worth noting the S&P 500 has done quite a bit better over the same timeframe (early 2019 to now), even with the recent dips. Gold definitely has its place for stability and as a hedge, but strictly for growth, it sometimes trails. Still, nice to see some green!

    1
    matthew_murphy👑Elite (1m-5m)Real Investorabout 1 month ago

    That's awesome to hear about your 28% gain! Congrats! For anyone else looking to get started, or even just curious about the different types of gold you can hold in an IRA, I found this list of IRS-approved precious metals super helpful when I was doing my research. It breaks down what's allowed and what's not. Good luck, everyone!

    2
    michelle_collins🏆Advanced (250-500k)Real Investorabout 1 month ago

    Hey, that's awesome to hear! 28% in 5 years is a solid return, especially with a Gold IRA. Congrats!

    My experience has been pretty similar actually. I got into mine a little later, around mid-2020, but I'm up about 25% since then. It's definitely felt like a great way to diversify and add some stability, especially compared to some of my other investments during that period. Always good to see others having success too!

    15
    ashley_baker💼Starter (0-50k)✓ Verifiedabout 1 month ago

    Glad to hear your 5-year is solid! Mine's not quite that high, sitting at a modest 19% over 4 years with Augusta. I started with only about 15k originally, which felt like a massive leap at the time for a first-time Gold IRA investor. The 28% makes me wonder if I should've been more aggressive with my initial allocation or perhaps diversified my metal types more heavily into silver earlier on, given its recent performance. I'm in Charleston, SC, and the thought of hurricanes makes me sleep a little easier knowing some of my assets aren't just digits on a screen, but that 28% still sounds like a dream compared to my current returns.

    4
    margaret_chen🏆Advanced (250-500k)Real Investorabout 1 month ago

    Honestly, 28% in 5 years? That's decent, but it's also why I pulled *some* of my gold out of the IRA wrapper a couple of years ago. The tax deferral is nice, sure, but the lack of immediate liquidity and those *storage fees* really start to eat into things when you're just chugging along at under 6% annually. Sometimes it feels like we over-optimize for the tax man and forget about maximizing actual, spendable wealth in the present.

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