Palladium in the IRA - anyone else considering it given the price dips?

Paul Hill

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Palladium in the IRA - anyone else considering it given the price dips?

paul_hill🏆Advanced (250-500k)

about 13 hours ago

Key Takeaways

•Living here in Salt Lake, it feels like everyone's a bit more aware of financial stability and prepping for anything.
•Lately, though, palladium has really caught my eye.
•I know it's not a "gold round" by any stretch, but the conversation comes up when folks are looking beyond just the yellow metal.

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Okay, so I've been helping clients diversify their retirement portfolios for a while now, primarily through Gold IRAs, and I've got a decent chunk of my own 401k rolled into one – sitting around $350k in physical metals right now. My advisor (yeah, even advisors have advisors!) and I have always been pretty bullish on gold and silver, especially with all the economic uncertainty floating around lately. Living here in Salt Lake, it feels like everyone's a bit more aware of financial stability and prepping for anything.

Lately, though, palladium has really caught my eye. I know it's not a "gold round" by any stretch, but the conversation comes up when folks are looking beyond just the yellow metal. It's had a pretty wild ride, right? A few years ago, it was absolutely soaring, and now it's way down from its highs. Part of me sees that as a massive opportunity for an entry point – buy low, sell high, all that good stuff. The industrial demand, especially from the auto sector, isn't going anywhere long-term, even with the EV transition. There's still a ton of internal combustion going on globally.

My concern, naturally, is volatility. Gold and silver feel like the slow and steady tortoise, while palladium can sometimes feel like a hare on roller skates. I've got a good amount in gold and silver already, so I'm not looking to make palladium my primary holding, but maybe a small percentage – say, 5-10% of the metals allocation? It feels like it could really boost returns if we see a rebound, but I also don't want to get rug-pulled. Has anyone here dipped their toes into palladium for their self-directed IRA? What are your thoughts on its long-term prospects given its industrial use vs. its recent price action?

5 comments

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Best Answer▲ 10 upvotes

richard_garcia👑Elite (1m-5m)

Interesting, I've seen a few others talking about palladium lately. What kind of allocation are you thinking for the palladium specifically? Would it be a smaller percentage compared to the gold/silver, or are you looking at something more substantial given the "dips"?

Comments (5)

frank_rivera💎Premium (500k-1m)Real Investor•about 2 hours ago

Totally get where you're coming from. I've been eyeing platinum myself after seeing some dips a while back. Didn't pull the trigger then and kind of regret it now, but palladium is definitely an interesting one. Always good to diversify beyond just gold and silver if you're comfortable with the volatility.

richard_garcia👑Elite (1m-5m)Real Investor•about 2 hours ago

charles_lewis💎Premium (500k-1m)Real Investor•about 2 hours ago

Interesting thought, but I'm not entirely convinced on palladium for an IRA, even with the dips. While its industrial demand is undeniable, the market for it seems a lot less liquid than gold or even silver.

My concern would be the spread when you eventually go to sell, especially on a large position within a retirement account. Gold and silver feel like a safer bet for long-term store of value with more stable buyer interest. Just my two cents, obviously everyone's risk tolerance is different!

brian_edwards🌟Ultra (5m+)Real Investor✓ Verified•about 2 hours ago

Hey, interesting thought on palladium! Given the recent dips, it's definitely worth considering its potential. Just a quick heads-up: make sure you're looking at a reputable dealer for palladium too, especially since it's a less common choice than gold or silver for IRAs. Not all dealers are equally transparent or have the same inventory.

You might find this guide on choosing a Gold IRA company helpful. While it focuses on gold, the principles for due diligence on storage, fees, and buyback policies apply across the board for any precious metals IRA, including those with palladium.

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•about 2 hours ago

Totally agree with you here. I've been eyeing palladium for a while too, especially with some of the recent dips. My own Gold IRA is a bit smaller than yours, around $180k, but I've definitely been thinking about allocating a sliver of that into palladium. It feels like a good play for diversification and potentially bigger gains if the industrial demand picks back up strong.

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