Palladium in my IRA - worth diversifying right now?

Sharon Evans

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Palladium in my IRA - worth diversifying right now?

sharon_evans💰Established (100-250k)

about 2 months ago

Key Takeaways

•Been seeing a lot of chatter lately about palladium and it got me thinking.
•I’ve had most of my precious metals IRA in gold for years, with a bit of silver, and it’s served me really well.
•My current allocation is probably around 80% gold, 15% silver, and 5% cash just in case, sitting on about a $220k portfolio value overall.

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Been seeing a lot of chatter lately about palladium and it got me thinking. I’ve had most of my precious metals IRA in gold for years, with a bit of silver, and it’s served me really well. My current allocation is probably around 80% gold, 15% silver, and 5% cash just in case, sitting on about a $220k portfolio value overall. I originally got into this when I saw how many of the execs at the oil company I work for here in Tulsa were diversifying into physical gold a few years back. Figured if they were doing it, there must be something to it.

My question for this community is about adding palladium. I hear it’s super volatile, which makes me a little nervous, but also that it has some strong industrial demand, especially from catalytic converters. Is anyone here heavily invested in palladium within their IRA, or has anyone made the jump from primarily gold/silver? What are your experiences? I’m weighing the pros and cons of allocating maybe 5-10% of my current gold holdings into palladium to get some diversification, but I’m pretty risk-averse, still remembering the 2008 crash vividly, even if my portfolio was much smaller then.

I’m trying to decide if now is a good time to pull the trigger or if I should wait and see. The price swings seem wild compared to gold. Has anyone found a sweet spot for palladium allocation that feels comfortable but still offers good potential upside? Or is the consensus that it’s just not worth the rollercoaster ride for an IRA, and I should stick to my tried-and-true gold and silver?

Any thoughts or personal anecdotes would be hugely appreciated! Especially from those who might have a similar portfolio size or risk tolerance. Just trying to keep my ducks in a row for retirement. Thanks, y'all.

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6 comments

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Best Answer▲ 8 upvotes

sharon_evans💰Established (100-250k)

Interesting! You mentioned a "bit of silver" – what's your current silver percentage looking like in that 20%? Just curious how much of a jump you're considering for palladium.

Comments (6)

helen_turner💰Established (100-250k)Real Investor•about 2 months ago

Totally get where you're coming from! I had a similar thought process a while back, though with platinum instead of palladium. My setup was almost identical to yours, mostly gold, some silver. Ended up adding a small percentage of plat and honestly, I'm glad I did. It's not a huge chunk, but it does feel good to have that extra layer of diversification.

Researching the specific market dynamics for palladium versus gold and silver might be your best bet here. What's the "chatter" saying in particular?

sharon_evans💰Established (100-250k)Real Investor•about 2 months ago

Interesting! You mentioned a "bit of silver" – what's your current silver percentage looking like in that 20%? Just curious how much of a jump you're considering for palladium.

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

Honestly, while diversification is generally good, I'm not sure if chasing palladium *right now* is the smartest move. It's had a pretty wild ride, and while it's come down, it still feels a bit... inflated, for lack of a better word. Gold and silver still feel like the more reliable long-term plays in an IRA, especially if you're looking for stability.

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

Hey, interesting question! While palladium has definitely seen some action, don't forget about platinum as another potential diversification play in the PGM (Platinum Group Metals) space. It's often overlooked but has strong industrial demand and can be a good value compared to gold or even palladium at times.

You might want to check out some market analysis comparing platinum to palladium. There are some good breakdowns online that look at supply/demand fundamentals and historical price trends. Good luck with your research!

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

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

william_davis💎Premium (500k-1m)Real Investor•about 1 month ago

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →