Palladium in an IRA - anyone actually doing this long-term? Trying to avoid another oil bust surprise.

William Davis

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Palladium in an IRA - anyone actually doing this long-term? Trying to avoid another oil bust surprise.

william_davis💎Premium (500k-1m)

about 2 hours ago

Key Takeaways

•My portfolio is sitting comfortably between $700k and $800k, mostly gold, some silver, and a decent chunk in real estate here in Dallas.
•My gut says diversify, but my head also says don't mess with a good thing.
•My concern with palladium is primarily long-term viability and liquidity.

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Been seeing a lot more chatter lately about palladium and whether it's a good fit for an IRA, especially with gold and silver being pretty stable (albeit not exactly shooting the lights out right now). I’ve had most of my precious metals in gold for about 15 years now, ever since my early days in the oil patch taught me a thing or two about market volatility you just don't see coming. My portfolio is sitting comfortably between $700k and $800k, mostly gold, some silver, and a decent chunk in real estate here in Dallas. My gut says diversify, but my head also says don't mess with a good thing.

My concern with palladium is primarily long-term viability and liquidity. Gold has always been the ultimate safe haven, and I've seen it bail me out of a few tight spots over the years. Palladium, on the other hand, seems to be more tied to industrial demand, specifically the auto industry. What happens if that changes drastically? We've seen how quickly technology can pivot, and I don't want to be left holding an asset that suddenly loses a significant chunk of its demand. Are people here genuinely allocating a substantial portion of their IRA to palladium, or is it more of a speculative side bet?

I’m thinking about carving out maybe 5-10% of my total metals allocation for it, but honestly, I'm hesitant. It’s not like I can just walk into any coin shop in Plano and liquidate a significant palladium holding on a Tuesday afternoon like I could with gold Eagles. For those of you who have palladium in your IRA, what percentage of your total precious metals do you hold in it? And more importantly, what’s your long-term thesis for it compared to gold or even platinum? I've used that Eligibility Checker tool to make sure I still qualify for gold and silver, but wondering if there are any specific hoops to jump through for palladium with the smaller custodians.

5 comments

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Best Answer▲ 9 upvotes

daniel_wright💎Premium (500k-1m)

Totally agree with you on diversifying, especially after experiences like the oil bust! I've been eyeing platinum for similar reasons. I know it's not palladium, but it's another one of those "other" precious metals that seems to get overlooked. Been holding some in my IRA for the past 5 years and it's definitely added a nice bit of stability and growth that gold just hasn't provided lately.

Comments (5)

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

Totally get where you're coming from with the oil bust comparison. I had a similar thought process a few years back, not with palladium specifically, but exploring platinum to diversify outside of just gold and silver in my IRA. Ended up sticking to the tried and true for now, but the idea of palladium as a long-term play keeps poking at the back of my mind, especially with the industrial demand. Curious to see what others say here!

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

Interesting post. The palladium chatter is definitely picking up. When you say "avoid another oil bust surprise," are you referring to a specific event or more of a general market volatility concern?

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

Honestly, while the diversification argument is strong, I'm a bit wary of putting *too* much into palladium right now. It's had a wild ride in recent years, and while that can mean big gains, it can also mean significant drops. For a long-term IRA, consistency and a more predictable trajectory are often key, and palladium feels a bit more like a speculative play than a foundational asset for that kind of timeframe. Just my two cents, especially if you're trying to avoid "bust surprises."

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

Hey, interesting question! Palladium is definitely one of those metals that can be a bit more volatile, which I think is what you're hinting at with the "oil bust surprise" comment. If you're looking for stability, gold and silver are generally the go-to, but palladium can have its moments.

One thing I always recommend folks check out is the actual historical performance against the big two. Kitco often has some pretty good comparison charts for precious metals that can give you a better visual on those long-term trends and volatility spikes. Might help you decide if it aligns with your risk tolerance for an IRA. Good luck!