Palladium in my IRA? Worth it? Thinking about diversifying.

Kenneth Parker

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Palladium in my IRA? Worth it? Thinking about diversifying.

kenneth_parker💎Premium (500k-1m)

less than a minute ago

Key Takeaways

•Thinking about adding palladium to my IRA but wanted to poke around and see what everyone else's experience has been.
•Most of my precious metals IRA is in gold – probably 70% gold, 30% silver right now, totaling maybe just shy of $300k.
•I’ve been steadily building it up for about five years now as a hedge against inflation and just general market craziness.

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Thinking about adding palladium to my IRA but wanted to poke around and see what everyone else's experience has been. Most of my precious metals IRA is in gold – probably 70% gold, 30% silver right now, totaling maybe just shy of $300k. I’ve been steadily building it up for about five years now as a hedge against inflation and just general market craziness. Being in logistics here in Memphis, I see the ripple effects across pretty much every industry, and it makes you want to squirrel away some real assets.

I'm looking at another $50k-$100k going into the IRA soon from some recent business gains, and instead of just adding more gold or silver, I was wondering if palladium makes sense for a portion of that. It’s got that industrial demand angle, which is interesting. I'm 55 next year and starting to think seriously about succession plans for the company over the next 5-10 years, so capital preservation and some smart growth are top of mind.

Anyone here hold palladium in their IRA? What’s your allocation like? Have you seen decent performance, or has it been more volatile than you expected? My current custodian offers it, but I’m hesitant to jump in without hearing some real-world experiences. Don't want to get caught holding the bag if the market for it tanks. Appreciate any insights!

3 comments

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Best Answer▲ 9 upvotes

betty_king📊Growing (50-100k)

Totally get where you're coming from! I had a similar thought process a while back. My setup was almost identical to yours, heavy on gold, some silver, and I started looking at palladium for that extra diversification. Didn't go in nearly as deep as your portfolio, but I did dip my toes in with a small percentage. So far, it's been an interesting ride, definitely adds a different dynamic than just gold and silver.

Comments (3)

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

steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verified•less than a minute ago

Interesting thought! So you're at 70/30 gold/silver now. If you did add palladium, what kind of percentage are you thinking of allocating to it? Would you pull from the gold, silver, or a bit of both?

ashley_baker💼Starter (0-50k)✓ Verified•less than a minute ago

Palladium's an interesting thought for diversification, especially given its industrial demand. But 70/30 gold/silver is already a pretty solid split for precious metals, IMO. Are you seeing something specific that makes you think palladium is going to outperform gold or silver significantly in the near future, or is it more just about adding another asset class for the sake of it?

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