Palladium in my IRA? Worth it or nah?

Brian Edwards

Back to forum

🥈 Silver Coins

Palladium in my IRA? Worth it or nah?

brian_edwards🌟Ultra (5m+)

about 9 hours ago

Key Takeaways

•Been seeing some chatter lately about palladium and wondering if anyone here has pulled the trigger on adding it to their Gold IRA.
•As a developer, I understand diversification, but palladium just feels a little… different.
•It's had a hell of a run, but I keep thinking about how much of its demand is tied to the auto industry.

Compare top Gold IRA companies — free

Been seeing some chatter lately about palladium and wondering if anyone here has pulled the trigger on adding it to their Gold IRA. I’ve been heavy on gold and silver for years – got about $5.5M spread across various holdings, much of it physical at home in a secure vault up here in Aspen, the rest in a Gold IRA. As a developer, I understand diversification, but palladium just feels a little… different. It's had a hell of a run, but I keep thinking about how much of its demand is tied to the auto industry. What happens if electric takes over faster than expected?

My existing IRA is pretty solid with a good mix of gold Eagles and some higher-end silver coins. The palladium premiums feel a bit spicy compared to what I'm used to with gold and silver, but the industrial demand aspect is interesting. I'm always looking at ways to hedge against inflation and protect my family's wealth long-term. My kids are still young, so this is about building a legacy, not just short-term gains. Has anyone found a reliable dealer for palladium bars or coins that they trust for an IRA rollover? I’m looking for something that won't give me a headache down the line when it comes to reporting or liquidation.

I’m thinking about allocating maybe 5-10% of my precious metals portfolio to palladium if the arguments are convincing enough. It's just a chunk of change I don't want to regret. Any thoughts from the crowd? Anyone feel like it's already topped out? Or is there still significant upside that I'm underestimating? Always appreciate the insights from this community, you guys have given me some great tips over the years.

4 comments

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →

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

Best Answer▲ 7 upvotes

thomas_walker🏆Advanced (250-500k)

Interesting post! You mentioned having about $5.5M spread across holdings, much of it physical at home. Curious what percentage of that is currently allocated to physical gold and silver that you store yourself?

Comments (4)

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

Oh man, I hear you. I had a similar thought a few years back when platinum was getting some hype. My advisor talked me off the ledge, saying to stick to the tried and true unless I was willing to really dive deep into the palladium market trends. For me, the extra research and monitoring just didn't seem worth it compared to the stability of gold and silver. Definitely curious to see what others say, though!

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

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

Honestly, with $5.5M in gold and silver, I'm not sure dabbling in palladium is really going to move the needle much for your overall portfolio. It's a much smaller market, and while it's had its moments, it also tends to be way more volatile. Diversification is great, but sometimes it can be taken too far when you're already so heavily invested in precious metals. Just something to consider!

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

Hey, that's a good question! While gold and silver are definitely the usual suspects for a reason, palladium can be interesting for diversification, especially given its industrial demand. Just a heads up though, unlike gold and silver, palladium isn't usually listed on the IRS's "approved" precious metals list for IRAs. It *can* be included, but it generally needs to meet specific fineness requirements (.9995 pure).

You might want to check out the IRS's Pub 590-A for the exact rules on what can and can't be held in an IRA when it comes to collectibles and precious metals. It's a bit dry but super important for avoiding any headaches later on!

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 →