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    Palladium in my Gold IRA - anyone else considering it?

    Key Takeaways
    • •It got me thinking about my own Gold IRA.
    • •Managed to build up a nice chunk, probably around $150k-$200k in physical gold by now, all safely tucked away with my custodian here in Phoenix.
    • •Anyway, I’m a retired teacher, so preserving my capital and getting some steady, reliable growth is really important to me.
    See what your 401(k) could look like in gold

    Been seeing a few articles cropping up lately about palladium and its potential as an investment, especially with all the buzz around EVs and catalytic converters. It got me thinking about my own Gold IRA. I’ve had most of my precious metals portfolio in gold since around 2010 – after the financial crash, I decided I wasn't going to trust the stock market entirely again. Managed to build up a nice chunk, probably around $150k-$200k in physical gold by now, all safely tucked away with my custodian here in Phoenix. Anyway, I’m a retired teacher, so preserving my capital and getting some steady, reliable growth is really important to me.

    My advisor mentioned palladium a while back, but I honestly didn't give it much thought at the time. Gold felt safer, more traditional. But now, with the prices being what they are and the demand in the automotive industry potentially staying strong, I'm wondering if it's something worth adding for diversification. I'm not looking to move everything, maybe just a small percentage, like 5-10% of my overall precious metals holdings. Has anyone here actually invested in palladium within their IRA?

    What are your thoughts on palladium's long-term prospects? Are you holding it, or have you considered it and decided against it? I’m particularly interested in hearing from folks who’ve held it for a while, not just short-term traders. Any specific custodians you'd recommend or warn against for palladium storage? Just looking for some real-world experiences to help me think this through.

    203
    12 comments

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    Best Answer▲ 17 upvotes
    D
    daniel_wright💎Premium (500k-1m)
    Thanks for sharing your experience. It's so helpful to hear from real investors.

    Comments (12)

    5
    elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

    Dude, literally just had this same thought process last week! My IRA is heavily weighted in gold too, and I've been eyeing platinum more, but palladium keeps popping up in my feeds. The EV angle is definitely interesting, makes you wonder if it's the next big thing or just a bubble waiting to pop. Gotta do some more digging before I pull the trigger, but you're not alone in considering it!

    2
    donna_rogers🏆Advanced (250-500k)Real Investor•about 2 months ago

    Interesting! You mentioned the articles about EVs and catalytic converters, which makes sense for palladium. But for a Gold IRA, what's the deal with taking physical possession of palladium? Is that even an option like it is with gold, or are we strictly talking about some kind of fund/ETF?

    7
    jason_morgan💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

    Interesting thought! While palladium has definitely seen some significant run-ups, and the industrial demand is there, I'd personally be a bit cautious about putting too much of my retirement eggs into that basket. Platinum is often considered a more direct alternative to palladium in catalytic converters, and it hasn't always tracked palladium's wild swings. Plus, the EV narrative, while strong, is still years away from fully replacing ICE vehicles, and even then, there's recycled palladium to consider. Just something to keep in mind!

    9
    joyce_cooper📊Growing (50-100k)✓ Verified•about 2 months ago

    Hey, interesting thought! Palladium is definitely an intriguing option right now. Just a heads-up that not all IRA custodians offer palladium as an option for a self-directed Precious Metals IRA, even if they do gold and silver. It's worth double-checking with yours or doing some research on custodians that specifically support palladium. You can usually find lists of IRS-approved depositories and the metals they handle if you Google "IRS approved precious metal IRA custodians."

    4
    ruth_perez📊Growing (50-100k)•about 2 months ago

    Totally! I've been eyeing palladium for my IRA too. My precious metals portfolio is also super gold-heavy and I've been looking for some diversification. My financial advisor actually brought it up recently as well, citing similar reasons about industrial demand. Good to hear someone else is on the same wavelength!

    3
    laura_sanchez💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

    Really valuable perspective. I'll definitely keep this in mind as I make my decisions.

    11
    maria_campbell📊Growing (50-100k)✓ Verified•about 2 months ago

    This is exactly the kind of discussion I was looking for. Very informative!

    15
    ronald_morris👑Elite (1m-5m)Real Investor•about 2 months ago

    I've been following this topic closely and really appreciate the insights here.

    8
    christopher_young🌟Ultra (5m+)Real Investor✓ Verified•about 2 months ago

    Really valuable perspective. I'll definitely keep this in mind as I make my decisions.

    10
    joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verified•about 2 months ago

    Appreciate you taking the time to share this. Lots to think about for my own portfolio.

    17
    daniel_wright💎Premium (500k-1m)Real Investor✓ Verified•about 2 months ago

    Thanks for sharing your experience. It's so helpful to hear from real investors.

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

    This is really helpful information! I've been researching gold IRAs for a while and this confirms what I've been learning.

    Your purchasing power dropped 25% since 2020

    Gold outpaced inflation every decade for 50 years. See what it could do for your IRA.

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