Palladium in IRA? Thoughts from a retired pilot.

Frank Rivera

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Palladium in IRA? Thoughts from a retired pilot.

frank_rivera💎Premium (500k-1m)

about 6 hours ago

Key Takeaways

•Been seeing a lot of chatter lately on palladium, and it got me thinking.
•Gold felt like the ultimate hedge against all that.
•But with the recent swings and, frankly, the incredible industrial demand for palladium, I'm wondering if I should be diversifying a bit more.

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Been seeing a lot of chatter lately on palladium, and it got me thinking. I've been pretty comfortable with my gold allocation in my IRA for a while now – about 15% of my roughly $800k portfolio is in physical gold, just under 100oz. I started building that up seriously during my last few years flying C-17s out of Hickam, watching the global situation get…interesting, to say the least. Gold felt like the ultimate hedge against all that. But with the recent swings and, frankly, the incredible industrial demand for palladium, I'm wondering if I should be diversifying a bit more.

My initial thought on precious metals was always gold for stability, silver for industrial use and potential upside. Palladium kinda fell into that industrial bucket, but at a price point that always made me pause. We're talking serious capital for even a small bar. I remember back in '22 thinking about jumping in, but then it tanked, bounced, then tanked again. Now, it seems to be finding a floor, and the long-term outlook for EVs and catalytic converters isn't going anywhere. Are folks here actually holding palladium in their self-directed IRAs?

I’m trying to weigh the volatility. Gold is my rock, but if palladium could offer some significant upside without completely torpedoing my portfolio, I’m willing to listen. I’ve been looking at the Tax Calculator over at tax.goldirablueprint.com/ to model out some scenarios for future distributions, which has been pretty helpful in understanding the tax implications of liquidating precious metals. But that's a future problem. Right now, it's about acquisition. For those who do hold palladium, what percentage of your precious metals allocation does it represent? Are you seeing it as a long-term hold or more of a tactical play?

Given my Hawaiian locale, I'm keenly aware of supply chain issues and global movements. Palladium, largely from Russia and South Africa, feels even more exposed to geopolitical risk than gold. Is that a feature or a bug for those of you invested? Just trying to gather some real-world perspectives before I make any moves. Appreciate any insights!

4 comments

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Best Answer▲ 4 upvotes

richard_garcia👑Elite (1m-5m)

Interesting thought on palladium, and your gold allocation sounds solid! However, I've always been a bit wary of palladium for an IRA, mostly due to its industrial demand being such a huge price driver. Gold, on the other hand, has that deep-seated monetary and cultural value that feels more robust, even if its day-to-day use isn't as high-tech. Just my two cents – feels like it brings a different kind of volatility to the table.

Comments (4)

ruth_perez📊Growing (50-100k)•less than a minute ago

Man, I totally get where you're coming from. I also had a good chunk of my retirement in gold for years and was feeling pretty set. Then a buddy of mine, who's usually pretty conservative with his investments, started talking about platinum and palladium a few months back. Made me take a second look at my own metals strategy. It's always good to re-evaluate, even when things feel stable.

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

Hey, interesting post! So, you've got about 15% of your portfolio in physical gold. Are you holding that in a segregated vault, or is it commingled with other investors' metals?

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

gary_stewart📊Growing (50-100k)•less than a minute ago

Hey, great question about palladium! It's definitely an interesting precious metal to consider. While not as common as gold or silver, it *can* be included in a Precious Metals IRA, but there are specific purity requirements, similar to gold.

I found a useful guide on approved palladium products for IRAs from a reputable dealer that might help you suss out what's allowed: <a href="https://www.apmex.com/palladium-ira-eligibility">APMEX Palladium IRA Eligibility Guide</a>. Could be a good starting point for your research!

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