Palladium in the IRA - is it still worth holding onto?

Robert Thompson

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Palladium in the IRA - is it still worth holding onto?

robert_thompson💰Established (100-250k)

about 10 hours ago

Key Takeaways

•Thinking about my current IRA holdings and specifically getting a little antsy about the palladium portion.
•My portfolio is sitting comfortably around the $180k mark right now, and maybe 10-15% of that is in palladium.
•For a while there, it felt like such a smart move, riding that automotive demand wave.

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Thinking about my current IRA holdings and specifically getting a little antsy about the palladium portion. I'm a retired teacher here in Phoenix, started getting into precious metals after '08 kicked my 401k in the teeth, and honestly, gold has been my rock. My portfolio is sitting comfortably around the $180k mark right now, and maybe 10-15% of that is in palladium. For a while there, it felt like such a smart move, riding that automotive demand wave.

But lately? It's just not giving me the warm fuzzies like my gold does. I'm seeing the EV transition really picking up steam, and while I know internal combustion isn't going anywhere overnight, it feels like the writing's on the wall for palladium's primary industrial use. Part of me thinks I should trim it down and move more into gold – maybe even silver if I'm feeling spicy. The other part is worried about selling low if there's still a rebound coming. What are others thinking about their palladium allocations right now?

I was actually just looking at that Gold vs Stocks Comparison tool the other day, and while I know it's not comparing gold to palladium, it just reinforces how consistently gold has performed over the long haul. My gold holdings have just been so steady and reliable, especially compared to the rollercoaster we've seen in other sectors. Have any of you diversified out of palladium already, or are you holding firm? Any arguments for keeping it that I'm overlooking?

3 comments

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Best Answer▲ 8 upvotes

sharon_evans💰Established (100-250k)

Totally get where you're coming from. I also got into precious metals after the '08 crash, learned my lesson about having all my eggs in one basket. Had some silver that felt like it was just… sitting there for years, not really doing anything. Ended up rebalancing into more gold and felt a lot better about it. Sometimes it's just about peace of mind, even if the numbers aren't wildly different.

Comments (3)

sharon_evans💰Established (100-250k)Real Investor•less than a minute ago

nancy_hall💰Established (100-250k)Real Investor•less than a minute ago

Totally get the feeling of being antsy with market fluctuations! Gold definitely has that reliable quality. Quick question about your palladium though: did you acquire it directly or through some kind of ETF/fund?

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•less than a minute ago

Honestly, while gold has been your rock, you might be looking at palladium through a bit of a rearview mirror from its peak. If you're "antsy," that's usually a good sign to at least re-evaluate. The industrial demand for palladium isn't what it once was, and there are other precious metals that might offer better growth potential or at least more stability given the current market. Not saying dump it all, but maybe a strategic rebalance is in order if it's causing you stress.

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