Palladium in IRA - Anyone actually doing this?

Frank Rivera

Back to forum

🪙 Gold Coins

Palladium in IRA - Anyone actually doing this?

frank_rivera💎Premium (500k-1m)

2 days ago

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.

Compare top Gold IRA companies — free

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!

102

3 comments

Considering a Gold IRA for your retirement?

Get a free info kit from a top-rated company — trusted by thousands of investors.

Under $100k? Compare options →

315 people viewed this today42 members requested a free kit this week63 investors bookmarked this

Best Answer▲ 7 upvotes

janet_cook📊Growing (50-100k)

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!

Comments (3)

ronald_morris👑Elite (1m-5m)Real Investor•1 day 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.

robert_thompson💰Established (100-250k)Real Investor✓ Verified•1 day 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?

janet_cook📊Growing (50-100k)•1 day 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.

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 →