Palladium in the IRA - is it still worth a punt?

Michael Anderson

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Palladium in the IRA - is it still worth a punt?

michael_anderson🏆Advanced (250-500k)

about 2 months ago

Key Takeaways

•Alright, so I’ve been sitting on a chunk of palladium in my IRA for a while now, probably around $75k worth that I picked up between 2017 and 2019.
•For a bit there, it felt like I was a genius, watching it climb and climb.
•Gold's obviously my main squeeze in the retirement portfolio, making up the vast majority of my ~400k in precious metals.

The 3-step rollover process explained

Alright, so I’ve been sitting on a chunk of palladium in my IRA for a while now, probably around $75k worth that I picked up between 2017 and 2019. For a bit there, it felt like I was a genius, watching it climb and climb. As a guy who runs a construction company here in Chicago, I've always been big on tangible assets – feels more real than just numbers on a screen, you know? Gold's obviously my main squeeze in the retirement portfolio, making up the vast majority of my ~400k in precious metals.

But man, palladium's been a wild ride lately. After hitting those insane highs, it’s really corrected. Part of me is thinking, "should I dump this and reallocate to more gold or even some silver?" I'm looking at my diversified portfolio and I initially liked palladium for its industrial demand and that supply/demand squeeze, but the EV transition definitely has me a little spooked long-term. Is the palladium story fundamentally changed, or is this just a classic cyclical dip in a volatile commodity?

I track a lot of the precious metals, and I often use tools like that "Silver vs Stocks" one (from goldirablueprint.com, the 10-year view is pretty telling) to give me some perspective on how different assets are performing against each other. It helps me stay grounded and avoid making emotional decisions based on short-term swings. But even with that data, the palladium question feels different. Are any of you guys still holding palladium in your self-directed IRAs, or have you bailed? What's your outlook for it over the next 5-10 years? Any insights from those who are deeper into the metals market than just a builder from the Midwest would be greatly appreciated.

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12 comments

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Best Answer▲ 13 upvotes

maria_campbell📊Growing (50-100k)

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

Comments (12)

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

Hmm, I hear ya on the palladium. It definitely had its moment in the sun. But I wonder if that golden era is truly behind us for good. With the push towards EVs and potential new industrial applications, it's not entirely out of the question that we could see some shifts in demand down the line. Maybe a full exit isn't the only play here, especially after holding for so long. Just a thought!

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

Hey, interesting post! When you say you "picked up" the palladium, did you mean you physically bought the metal yourself and then had it transferred to a custodian, or did you buy shares in a palladium ETF within your IRA?

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

Dude, I hear you on this. I got into palladium around a similar time for my IRA, thankfully a bit less capital though. Felt like a king for a minute! Honestly, I'm still holding, kinda hoping for another surge, but definitely not as confident as I used to be. It's a weird one, for sure.

maria_campbell📊Growing (50-100k)✓ Verified•about 2 months ago

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

michelle_collins🏆Advanced (250-500k)Real Investor•about 2 months ago

Just started my rollover process last month. The paperwork alone almost made me quit lol.

david_brown💎Premium (500k-1m)Real Investor•about 2 months ago

Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

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

Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

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

I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.