Palladium in the IRA - Anyone else diversifying beyond just gold?

• •Been thinking a lot about palladium lately, and wondering if anyone here has gone beyond just gold and silver for their precious metal IRA holdings.
• •Gold's always been my bedrock, especially with the inflation scares we've been seeing.
• •My current gold and silver stack is through Equity Trust, and they definitely offer palladium options.

Been thinking a lot about palladium lately, and wondering if anyone here has gone beyond just gold and silver for their precious metal IRA holdings. I’m sitting on a pretty substantial gold position, probably close to 15-20% of my overall 1.2M portfolio, which felt right after nearly 40 years in the energy sector down here in Houston. Gold's always been my bedrock, especially with the inflation scares we've been seeing.

But when I look at the industrial demand for palladium – especially with all the talk about hydrogen fuel cells and continued catalytic converter needs – it just makes me wonder if I'm missing out on a significant opportunity. My current gold and silver stack is through Equity Trust, and they definitely offer palladium options. I'm not talking about putting a huge chunk in, maybe 5% of my precious metals allocation, just to get some exposure. Anyone here actually holding palladium in their self-directed IRA? What are your thoughts on its long-term prospects compared to gold?

I ran some numbers using a general investment calculator, but it's hard to get a real feel for how palladium might move with the current economic climate. I've also been experimenting with the Retirement Planner tool for my overall retirement strategy – it's actually pretty insightful for projecting different asset class contributions. It's got me thinking more holistically about my future cash flow, not just the next big trade. But even with that, it's tough to gauge something as niche as palladium's specific impact.

Is anyone worried about the supply chain issues or political instability in the major producing regions (Russia, South Africa) impacting palladium more severely than gold? Or do those very risks make it a more interesting play, albeit a riskier one? I’m mostly in it for the long haul, protecting purchasing power, but a little strategic growth wouldn't hurt. Would love to hear some other perspectives on this before I pull the trigger.