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    Palladium in IRA - Anyone actually doing this?

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    Key Takeaways
    • Thinking about diversifying my precious metals IRA beyond just gold and silver, and palladium keeps coming up.
    • I’ve currently got about $750k in my IRA, a good chunk of that (~20%) in physical gold I moved over a few years ago.
    • The rest is in a mix of stocks and bonds, but I'm always looking at how global events, especially out here in the Pacific, could impact things.
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    Thinking about diversifying my precious metals IRA beyond just gold and silver, and palladium keeps coming up. I’ve currently got about $750k in my IRA, a good chunk of that (~20%) in physical gold I moved over a few years ago. The rest is in a mix of stocks and bonds, but I'm always looking at how global events, especially out here in the Pacific, could impact things. Been retired from the Navy for a decade now, and still keep a close eye on the geopolitical chessboard.

    Palladium’s industrial uses, particularly in autos and electronics, seem like a solid play. With tightening emissions standards globally, especially in places like China and India (which are huge markets out here in our sphere of influence), catalytic converters aren't going anywhere. But it’s also a much smaller market than gold or silver, which makes me a little nervous about liquidity if I ever needed to sell a significant chunk.

    Has anyone here actually added palladium to their precious metals IRA? Was it worth the extra effort in terms of sourcing and storage? I understand the premium can be higher, and I'm not looking to dump my gold holdings, just maybe allocate 5-10% of my metals portfolio to something with a bit more industrial upside. Or am I just overthinking it and should stick to the tried and true?

    Mahalo for any insights!

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    8 comments

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    Best Answer▲ 16 upvotes
    C
    christopher_young🌟Ultra (5m+)
    Been looking into this myself — the fees on some of these custodians are wild. Anyone found one that doesn't gouge you?

    Comments (8)

    3
    ronald_morris👑Elite (1m-5m)Real Investorabout 2 months ago

    Hey, I actually did this a couple of years ago! Not with a huge chunk like your gold, but I moved about 10% of my precious metals allocation into palladium within my IRA. It was a bit more of a niche thing to set up, but the custodian I used was familiar with it.

    My reasoning was similar – diversification and the industrial demand seemed promising. So far, it’s been interesting to watch. Definitely worth looking into if you're serious about it.

    4
    robert_thompson💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Hey, that's an interesting thought! When you say you've got about 20% in physical gold, are we talking about actual coins/bullion held in a depository, or is it a gold ETF within the IRA?

    7
    janet_cook📊Growing (50-100k)about 2 months ago

    Hey, interesting thought process. While palladium *can* be held in a precious metals IRA, I'd personally be a bit more cautious about diving in with a significant chunk of change right now.

    It's seen some pretty wild price swings recently, and while the industrial demand is there, the market is a lot smaller and less liquid than gold or silver. For diversification, sure, but for a substantial position, especially with $750k already in the IRA, I'd lean towards maintaining a stronger core in the more established metals. Just my two cents, everyone's risk tolerance is different!

    5
    jennifer_martinez💰Established (100-250k)Real Investor✓ Verifiedabout 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

    16
    christopher_young🌟Ultra (5m+)Real Investor✓ Verifiedabout 1 month ago

    Been looking into this myself — the fees on some of these custodians are wild. Anyone found one that doesn't gouge you?

    11
    ruth_perez📊Growing (50-100k)about 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

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

    Just started my rollover process last month. The paperwork alone almost made me quit lol.

    6
    gary_stewart📊Growing (50-100k)about 1 month ago

    My advisor told me 10-15% in gold is the sweet spot but I went heavier. We'll see how it plays out.

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