Palladium in a Gold IRA? Worth it or nah?

Karen Robinson

Back to forum

🥈 Silver Coins

Palladium in a Gold IRA? Worth it or nah?

karen_robinson💼Starter (0-50k)

about 2 months ago

Key Takeaways

•So, I'm just starting my Gold IRA journey, really.
•I teach middle school here in Columbus, and finally got around to actually investing beyond my basic 403b.
•I know it's a "precious metal" but also heavily tied to car manufacturing, which is a bit of a wildcard in terms of stability, right?

Get the free Gold IRA guide

So, I'm just starting my Gold IRA journey, really. I teach middle school here in Columbus, and finally got around to actually investing beyond my basic 403b. I’ve slowly been building up around $20k in my new Gold IRA with a company I found online, mostly focusing on standard gold and silver bullion because, you know, "gold IRA." But then I started looking into palladium, and my head’s spinning a bit.

I see some companies offering palladium coins and bars for IRAs, and while it's much pricier per ounce than gold right now, it seems like it could have some interesting industrial demand that gold doesn't always have in the same way. I know it's a "precious metal" but also heavily tied to car manufacturing, which is a bit of a wildcard in terms of stability, right? Gold feels like the ultimate safe haven, whereas palladium feels… riskier?

I'm torn because my portfolio is small, and I don't want to make a dumb mistake when I'm just getting started. Should I even consider allocating a small percentage, like 5-10%, of that $20k towards palladium, or should I just stick to the more traditional gold and silver for now? Is anyone here holding palladium in their IRA? What’s your experience been like, and would you recommend it for someone just dipping their toes in with a smaller IRA amount?

Any thoughts or advice would be super appreciated! Even if it's just "stick to gold, noob." Haha.

160

5 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 →

539 people viewed this today71 members requested a free kit this week106 investors bookmarked this

Best Answer▲ 12 upvotes

sandra_green📊Growing (50-100k)

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

Comments (5)

robert_thompson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Hey, that's cool you're diving into the Gold IRA world! I actually looked into palladium myself a while back for mine. Ended up just sticking with gold and silver for now, felt a bit more straightforward for a beginner like me. No regrets though, my metals have been doing pretty well!

jason_morgan💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Hey, congrats on getting your Gold IRA started! That's a great step. While gold and silver are definitely the more common plays, I wouldn't totally dismiss palladium out of hand. It's got its own industrial demand drivers and can sometimes move pretty independently of gold. It's more volatile, sure, but if you're looking for a bit of diversification within your precious metals, a small allocation might not be the worst idea. Just something to consider beyond the usual.

susan_clark💰Established (100-250k)Real Investor•about 2 months ago

Hey, that's awesome you're getting into a Gold IRA! For palladium, it really depends on your goals. It can be super volatile, but also has high industrial demand. If you're looking for more info on precious metals for IRAs, I found this IRS resource pretty helpful for knowing what's actually allowed. Good luck with your investing!

sandra_green📊Growing (50-100k)✓ Verified•about 1 month ago

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

dorothy_lopez💰Established (100-250k)Real Investor•about 1 month ago

Ngl I came here expecting the usual affiliate spam but the discussions are actually decent. Way better info than what I was getting from my old advisor.

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →