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    Palladium in my Gold IRA - worth looking into?

    Key Takeaways
    • •I've got around $180k in there right now, probably 80/20 gold to silver, and it’s done pretty well since I opened it about three years ago.
    • •Lately, though, palladium has really caught my eye.
    • •With the push for greener tech, I wonder if that demand translates into sustained value, or if it's more of a short-term trade.
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    Hey everyone, I've been doing a ton of reading on here lately and it's got me thinking about diversifying beyond just gold and silver in my precious metals IRA. I'm an accountant here in Atlanta, so I'm pretty dialed into the tax advantages of a self-directed IRA, and my current setup is heavily skewed towards physical gold – mostly American Gold Eagles and Canadian Maples. I've got around $180k in there right now, probably 80/20 gold to silver, and it’s done pretty well since I opened it about three years ago.

    Lately, though, palladium has really caught my eye. I know it's a much smaller market, and the price swings can be wild, but the industrial demand, especially from the auto industry (catalytic converters being the big one), seems pretty strong long-term. With the push for greener tech, I wonder if that demand translates into sustained value, or if it's more of a short-term trade. I'm not looking to put a massive chunk of my portfolio into it, but maybe 10-15%? I'm wondering if anyone on here has actually integrated palladium into their precious metals IRA.

    I'm trying to decide if it's a smart play for capital appreciation, or if it just adds unnecessary volatility without enough upside for an IRA account. I’m thinking about some 1 oz bars or coins, but need to do more research on which refiners or mints are IRA-approved for palladium. Are there any specific issues with liquidity if I ever decided to rebalance? Also, what are people's thoughts on the spread when buying and selling palladium compared to gold? I know that can eat into returns. Any personal experiences, good or bad, would be super helpful. Trying to avoid making an emotional decision here, especially with the current market.

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    7 comments

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    Best Answer▲ 10 upvotes
    D
    donald_nelson💎Premium (500k-1m)
    I keep going back and forth between gold and silver allocations. The gold-to-silver ratio right now is making silver look attractive.

    Comments (7)

    3
    betty_king📊Growing (50-100k)•3 months ago

    Totally get where you're coming from. I went through a similar thought process a few years back with platinum. Ended up adding a small amount to my IRA after a lot of research, and it's been interesting to watch. Not financial advice obviously, but it definitely scratched that diversification itch.

    1
    catherine_bell🏆Advanced (250-500k)Real Investor•3 months ago

    Interesting thought! So are you looking at palladium as a long-term hold for growth, or more as a short-term hedge against something specific? Just curious why palladium specifically caught your eye over, say, platinum.

    1
    jason_morgan💰Established (100-250k)Real Investor✓ Verified•3 months ago

    Palladium *can* be interesting, but I'd pump the brakes on making it a cornerstone of your PM IRA right now. The industrial demand is a huge factor in its price, and with the shift to EVs, that could be a serious headwind down the line. Gold and silver have thousands of years of history as monetary metals, which gives them a different kind of stability. Just something to consider alongside the shorter-term industrial swings.

    1
    charles_lewis💎Premium (500k-1m)Real Investor•3 months ago

    Hey, absolutely worth looking into! Palladium has had some wild swings, but its industrial demand is pretty solid. Just make sure your IRA custodian actually supports palladium bullion. Not all of them do, and you don't want to get stuck trying to transfer it later. A good resource for checking approved metals and custodians is often your IRA administrator's website, or even the IRS's own publications on precious metals IRAs (though those are a bit dry).

    10
    donald_nelson💎Premium (500k-1m)Real Investor✓ Verified•2 days ago

    I keep going back and forth between gold and silver allocations. The gold-to-silver ratio right now is making silver look attractive.

    5
    kenneth_parker💎Premium (500k-1m)Real Investor✓ Verified•2 days ago

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

    6
    sandra_green📊Growing (50-100k)✓ Verified•2 days 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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