Palladium in the IRA - is it actually worth it? My

Matthew Murphy

Back to forum

🔲 Platinum IRA

Palladium in the IRA - is it actually worth it? My

matthew_murphy👑Elite (1m-5m)

about 2 months ago

Key Takeaways

•Okay, so I've been wrestling with this for a while and haven't seen a ton of recent discussion here, so thought I'd throw it out.
•My advisor originally suggested mostly gold, with a smaller portion in silver, which made sense at the time.
•Lately though, I keep hearing more about palladium.

Compare top Gold IRA companies — free

Okay, so I've been wrestling with this for a while and haven't seen a ton of recent discussion here, so thought I'd throw it out. I cashed out of my tech startup a couple of years back – thankfully before the current market craziness really kicked off – and moved a substantial chunk, talking low seven figures, into a Gold IRA. Based in Dublin, OH here, and honestly, it’s been the calmest sleep I've had in years knowing a good portion of my net worth isn't just evaporating on some stock chart. My advisor originally suggested mostly gold, with a smaller portion in silver, which made sense at the time.

Lately though, I keep hearing more about palladium. I know it's had quite the run-up and then some volatility, and its industrial uses (especially in catalysts) are pretty compelling. I’m thinking about potentially reallocating a small percentage, maybe 5-10% of my precious metals holdings, into palladium within my IRA. My initial thought was just to keep things simple, stick to gold and silver, but the fundamentals for palladium feel different, almost more... critical in the long run. I’m not talking about trying to 10x my money, but more about diversification and holding something with unique supply/demand dynamics.

Has anyone here actually gone down the palladium route in their IRA? What’s your experience been like, good or bad? Are the premiums and storage costs manageable compared to gold? I’m mostly self-directing now after the initial setup, so I'm trying to weigh the potential upside against what feels like a more niche, potentially less liquid asset if I ever needed to sell. Would love to hear some real-world input beyond just what the dealers are pushing.

246

5 comments

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →

791 people viewed this today105 members requested a free kit this week157 investors bookmarked this

Best Answer▲ 9 upvotes

jason_morgan💰Established (100-250k)

Totally agree with you here! It's wild how little palladium gets talked about compared to gold and silver for IRAs. I also diversified into a decent amount of palladium a few years back, maybe like 15% of my precious metals holdings, and it's definitely been a strong performer for me too. Feels like a missed opportunity for a lot of people sticking to just the big two.

Comments (5)

nancy_hall💰Established (100-250k)Real Investor•about 2 months ago

Dude, I can totally relate. I had a similar situation after my last company acquisition. My advisor, bless his heart, *really* pushed palladium for a good chunk of my rollover IRA. For a while, felt like a genius. Then, well, you know. It's been a mixed bag, to say the least. Definitely interested to hear what others have experienced.

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Interesting post! You mentioned "low sev" in your excerpt. Were you specifically talking about seven figures (millions), or was that a typo for something else?

betty_king📊Growing (50-100k)•about 2 months ago

Interesting post! I get the appeal of palladium, especially with its industrial uses. But honestly, for an IRA, I'm a bit more skeptical. While diversification is good, palladium can be incredibly volatile. We've seen some wild swings in its price, and for something I'm holding for the long haul in a retirement account, I'd personally lean towards something with a more established, less dramatic track record like gold or silver. Just my two cents, of course!

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

Hey, appreciate you sharing your experience! It's definitely a less common choice than gold or silver, so real-world takes are super valuable. One thing I'd add for anyone else looking into palladium for their IRA is to really dig into the specific IRS rules for purity and form. It's even pickier than gold, often requiring 99.95% pure bars, not just any palladium product.

I found this IRS FAQ page helpful when I was first researching precious metals for my own IRA. It's a bit dry, but it lays out the specific requirements pretty clearly for all approved metals.