Palladium in my IRA - worth the gamble or stick to gold/silver?

Dorothy Lopez

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Palladium in my IRA - worth the gamble or stick to gold/silver?

dorothy_lopez💰Established (100-250k)

about 7 hours ago

Key Takeaways

•Okay, so I've been kicking around the idea of diversifying my precious metals IRA a bit more, and palladium keeps popping up.
•I've got a decent chunk in gold and silver already – probably around $180k spread across the two – which I'm comfortable with.
•Been in the casino industry here in Vegas for like 25 years, so I understand risk management inside and out, know you gotta spread things around.

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Okay, so I've been kicking around the idea of diversifying my precious metals IRA a bit more, and palladium keeps popping up. I've got a decent chunk in gold and silver already – probably around $180k spread across the two – which I'm comfortable with. Been in the casino industry here in Vegas for like 25 years, so I understand risk management inside and out, know you gotta spread things around. But palladium… that’s a different beast, seems a bit more volatile than gold, you know?

I'm looking at it as a long-term play, not trying to day trade it, obviously, since it's in an IRA. The industrial demand angle is compelling, especially with the auto industry and green tech. But the supply chain stuff, especially with Russia being a major producer, makes me a little nervous. Is the potential upside worth that added geopolitical risk? I've seen some pretty wild swings with it over the past few years, which makes me hesitate.

Anyone here have personal experience with palladium in their IRA? Did you regret it, or has it been a solid performer for you? What percentage of your overall precious metals holdings do you dedicate to it, if any? Also, just as a general reminder for anyone else playing with precious metals and an IRA, make sure you're factoring in the tax implications when you're looking at different assets. I use the Tax Calculator tool pretty regularly to make sure I'm not blindsided by anything when making allocation changes. It's a lifesaver for understanding potential tax hits.

My current thought is maybe a small allocation, like 10-15% of my precious metals, but I'm open to being convinced otherwise. Or convinced to just stick to the more traditional gold and silver. What are your thoughts, r/PalladiumIRA?

4 comments

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Best Answer▲ 8 upvotes

ashley_baker💼Starter (0-50k)

Totally get where you're coming from! I had a similar thought a while back, eyeing palladium to spice things up. Ended up putting a small percentage, maybe 5-7% of my precious metals holdings, into palladium coins. So far, it's been... interesting. It's definitely more volatile than my gold and silver, but the industrial demand aspect always intrigued me. No regrets sticking my toes in, but I'm glad it's not a huge chunk of my retirement savings 😂.

Comments (4)

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

nancy_hall💰Established (100-250k)Real Investor•less than a minute ago

Interesting thought on palladium! Quick question about your current gold/silver holdings: are those all physical, or do you have some exposure through ETFs or other paper assets as well?

jason_morgan💰Established (100-250k)Real Investor✓ Verified•less than a minute ago

Honestly, while diversification is generally good, throwing a lot into palladium right now feels a bit like chasing the dragon. It's had a pretty wild ride, and while it *could* bounce back, the industrial demand story isn't as universally strong as gold's safe-haven appeal or silver's dual industrial/monetary role. For stability in a precious metals IRA, I'd probably just stick to adding more gold or even platinum before getting too deep into palladium. Just my two cents.

sharon_evans💰Established (100-250k)Real Investor•less than a minute ago

Hey, cool you're looking into palladium! It's definitely an interesting one. Since you're already solid with gold and silver, adding a smaller, more volatile metal like palladium could be a good play for some extra upside, but definitely do your homework.

One thing I found super helpful when researching palladium (and other niche metals) for my own IRA was checking out the US Mint's info on precious metals and also cross-referencing with a few different dealer sites to compare premium costs (they can vary wildly on palladium!). Good luck with whatever you decide!

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