Palladium for a metals IRA? Anyone seen decent returns, or just stick to gold/silver?

Donna Rogers

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Palladium for a metals IRA? Anyone seen decent returns, or just stick to gold/silver?

donna_rogers🏆Advanced (250-500k)

about 3 hours ago

Key Takeaways

•Been thinking a lot lately about diversifying the metals portion of my IRA beyond just gold and silver.
•Currently sitting on about $350k in my Gold IRA, with a pretty even split between eagles and some pre-1933 St.
•It’s been steady, giving me peace of mind, especially with all the economic weirdness going on the last few years.

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Been thinking a lot lately about diversifying the metals portion of my IRA beyond just gold and silver. Currently sitting on about $350k in my Gold IRA, with a pretty even split between eagles and some pre-1933 St. Gaudens. I’m an exec in the bourbon industry here in Lexington, so I appreciate things with a deep history and proven value, which is why gold appealed so much initially. It’s been steady, giving me peace of mind, especially with all the economic weirdness going on the last few years.

My broker recently brought up palladium as another option for IRA inclusion. I know it’s primarily industrial, used in catalytic converters and whatnot, which is a bit different from the historical "store of wealth" angle I usually lean towards. The volatility concerns me a little, but I've also seen some pretty wild price swings upwards in the past that could be enticing. I’m trying to plan for the next 15-20 years before I even think about touching this money, so I'm looking for long-term growth potential.

Has anyone here actually added palladium to their IRA? What's been your experience with it? Are the premiums reasonable, and is it a pain to find reputable dealers who handle IRA-approved palladium reliably? I value the stability of gold, but I'm also not opposed to a calculated risk if the upside is truly there. Just trying to figure out if it's worth allocating, say, 10-15% of my metals portfolio to it, or if I should just stick to the tried and true. Any insights, good or bad, would be appreciated.

5 comments

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Best Answer▲ 8 upvotes

patricia_miller📊Growing (50-100k)

Hey, that's an interesting question about palladium. I'm curious, when you say "beyond just gold and silver," are you specifically looking at palladium for its industrial uses or more as a store of value like the other two?

Comments (5)

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

Interesting post! I actually looked into palladium for my IRA a while back, probably around 2018 or so. Had a similar thought about diversifying beyond just gold and silver. Ultimately decided against it, mostly due to the higher volatility and less liquid market compared to the other two. Kicking myself a little now seeing how it's performed, but then again, who knows what the future holds.

My account is smaller than yours, mostly Canadian Maples and some silver bars, but the core idea was the same. Good luck with your decision!

patricia_miller📊Growing (50-100k)✓ Verified•less than a minute ago

betty_king📊Growing (50-100k)•less than a minute ago

Interesting thought on palladium! While it definitely has its industrial applications, I'd personally be a bit more cautious about putting a significant chunk of an IRA into it compared to gold and silver.

The price volatility can be pretty wild, and the market for it is a lot smaller and less liquid. For a long-term retirement play, the stability and widespread acceptance of gold and silver might offer more peace of mind, even if palladium *could* theoretically have a bigger short-term pop. Just something to consider for your risk tolerance.

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

Hey, interesting question! While gold and silver are definitely the more common choices for a metals IRA, palladium can be a solid addition for diversification, especially given its industrial demand.

One thing to keep in mind is that the IRS has specific fineness requirements for IRA-approved palladium bars and coins (typically .9995 pure). Make sure whatever you're looking at meets those standards to avoid any issues with your custodian. Good luck!

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

Totally agree with you on wanting to diversify. I've been eyeing platinum myself for a while now, for similar reasons. My Gold IRA is set up pretty much the same as yours, maybe a little less in the pre-33s, but seeing the returns on gold has me thinking about what else could be doing similar numbers. Palladium usually feels a bit more niche, but I'm curious what others have experienced too. Good question!

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