Palladium in my IRA? Worth it? Thinking about dropping some serious cash.

Mark Adams

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Palladium in my IRA? Worth it? Thinking about dropping some serious cash.

mark_adams👑Elite (1m-5m)

about 2 months ago

Key Takeaways

•Okay, so I've been kicking around the idea of adding some palladium to my Gold IRA.
•Currently sitting on a pretty good mix of gold and some silver, as you'd expect.
•I'm looking at allocating maybe 5-10% of my overall precious metals holdings to it.

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Okay, so I've been kicking around the idea of adding some palladium to my Gold IRA. Currently sitting on a pretty good mix of gold and some silver, as you'd expect. My overall portfolio is doing its thing, but I've been watching palladium's volatility over the past few years, and frankly, its industrial demand is pretty compelling, especially with the EV push (catalytic converters might shift, sure, but other industrial uses are growing). I'm in Greenwich, running pretty tight models for my day job, and I'm usually more of a 'proven track record' guy, but with geopolitical instability and supply chain issues, palladium feels like it could be a real dark horse.

I'm looking at allocating maybe 5-10% of my overall precious metals holdings to it. So, think somewhere in the realm of $50k to $100k, maybe a bit more depending on dip opportunities. My main concern is liquidity if I ever need to rebalance quickly, and the fact that it's notoriously a bit tougher to track and store securely compared to gold. My wife thinks I'm crazy for even considering it, especially after seeing gold hit those new highs. She'd rather I just pile more into solid gold bars to be honest.

Anyone here actually have palladium in their self-directed IRA? What's your experience been like with it? Are you seeing the industrial demand translate into sustained value, or is it just too much of a wild card? I'm trying to decide if the upside potential truly outweighs the added risk and less straightforward storage/liquidation process compared to, say, a straightforward 1oz gold American Eagle.

Seriously considering pulling the trigger soon, but would love some real-world input. Am I overthinking the risk, or is this the kind of play that could actually generate some serious alpha for the PM allocation?

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5 comments

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Best Answer▲ 18 upvotes

susan_clark💰Established (100-250k)

This mirrors what I've been seeing too. The macro environment right now is making a strong case for physical metals.

Comments (5)

william_davis💎Premium (500k-1m)Real Investor•about 2 months ago

Hey, I hear you! I actually went through a similar debate a few years back. Ended up putting a small percentage into palladium in my IRA, mostly as a hedge and because I saw the industrial demand trend. It's been a ride, that's for sure! Definitely not for the faint of heart given the price swings, but it's been interesting to watch.

william_davis💎Premium (500k-1m)Real Investor•about 2 months ago

Interesting thought! So you're looking at palladium mainly for its industrial demand and the volatility swings, which I get. Are you thinking about a specific type of palladium, like coins or bars, or is it more about just getting exposure to the metal itself within your IRA?

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

I hear you on the palladium, and it's tempting given the industrial demand. But seriously, "dropping some serious cash" into palladium right now might be a bit of a gamble. That volatility cuts both ways, and while it *could* spike, the downside risk feels pretty chunky too, especially if you're looking for stability in your IRA. Gold and silver feel like a safer bet for the "set it and forget it" part of your portfolio, even if they don't have the same wild swings. Just my two cents.

jason_morgan💰Established (100-250k)Real Investor✓ Verified•24 days 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.