Palladium in the IRA - anyone else thinking about it or already in?

Glad I'm not the only one! I've been eyeing palladium pretty hard for my own Gold IRA lately too. My portfolio isn't quite as beefy as yours, but I'm thinking about diverting some new contributions into palladium instead of more gold. Curious to see what others are saying here.

Hey, interesting thought process here!

You mentioned your Gold IRA is sitting "pretty comfortably." Is that comfortable enough that you'd consider a larger allocation to palladium, or are we talking more of a small, experimental side bet within the overall precious metals portfolio?

I hear you on wanting to diversify, but I'm a bit more cautious on Palladium right now. While it's had some great runs, it also feels a bit more volatile and speculative than gold or even silver. Think of the industrial demand fluctuations – it's not quite the same safe haven play, is it? Just something to consider before diving in heavily. Might be a good smaller allocation, but maybe not a huge chunk of that $380k.

Honestly, I’d pretty much written off precious metals IRAs after some truly garbage experiences trying to set up a silver IRA a few years back. The fees were astronomical, and the rep was basically reading from a script. But then I stumbled onto a comparison tool here on GIRAB that actually broke down the real costs for palladium, not just the advertised rates. Ended up finding a custodian with way more reasonable storage fees than I thought possible, and now I'm seriously looking at a chunk of palladium. Glad I gave it another shot, and glad I found this place.

Palladium definitely has a compelling narrative right now with the supply chain issues and EV transition. I looked at it hard last year, especially when it was still trading above gold. Ultimately, I couldn't get comfortable with the spread from the dealer I use out of Delaware – their buyback was just too far off the spot price for my comfort in an IRA. Sticking with my core gold and some silver for now, but I still follow Pd closely.

Palladium… man, that brings back memories. Back in '08, right after everything went sideways with the housing market, I was looking for anything tangible, anything that felt real. My portfolio – what was left of it – felt like Monopoly money. I had a buddy, bless his heart, who kept saying "gold, gold, gold!" but I was always a contrarian. So, one day, I'm at this coin show in Houston, just browsing, and I overheard some old timer talking about palladium's industrial demand, its scarcity. It clicked for me. I liquidated some *very* underperforming tech stocks and put a decent chunk, about 80k at the time, into physical palladium stored in my IRA with a firm based out of Delaware. It wasn't about getting rich quick; it was about feeling like I had *some* control, something that wasn't tied to the whims of Wall Street or politicians. Fast forward, and yeah, it’s done well, but more than that, it taught me that sometimes, the best investment is the one that lets you sleep at night. That initial move into precious metals, spurred by that almost accidental encounter with palladium, truly set me

Honestly, palladium has been on my radar, but the volatility always made me hesitate. I'm pretty conservative with my *IRA money here in Boise*, focused on long-term growth and tax advantages. Speaking of which, I finally pulled the trigger on a gold IRA last year after running the numbers – the **Tax Calculator** at https://tax.goldirablueprint.com/?forum showed me exactly how much I could save on taxes, and that really sealed the deal for me.

Palladium? Man, seeing this thread just brings me back to 2019 when I was *this close* to pulling the trigger on a substantial Palladium allocation for my IRA. I had about 80k in a traditional IRA sitting pretty, mostly in boring old mutual funds, and my buddy in Brickell who swore by metals was hyping it up hard. He kept flashing charts about industrial demand and how it was 'the next big thing' after gold and silver had their run. I even called a couple of custodians they listed on some other forum, but the premium spreads and storage fees just felt… off. It always came back to that gut feeling that, while it looked good on paper, I just didn't understand it as deeply as I did gold, or even silver. Ended up sticking to my guns and adding more gold during that dip in early 2020 instead, which in hindsight, was a relief. Haven't really looked back at palladium since, but I'm curious to hear from folks who actually went for it. Did I miss a massive boat, or did my gut save me from some headaches?