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    Palladium in the mix for my IRA - anyone else diversify beyond gold/silver?

    B
    brian_edwards🌟Ultra (5m+)
    about 18 hours ago
    Key Takeaways
    • Been thinking a lot about the current market volatility and, specifically, my precious metal holdings within my IRA.
    • Most of my exposure has been in gold, with a good chunk of silver, but I’m seriously considering adding palladium into the mix.
    • The idea of having all my eggs in a few baskets, even with gold, just doesn’t sit right these days.
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    Been thinking a lot about the current market volatility and, specifically, my precious metal holdings within my IRA. Most of my exposure has been in gold, with a good chunk of silver, but I’m seriously considering adding palladium into the mix. I’ve been building my portfolio for over 20 years now, currently sitting comfortable north of $5M, mostly in real estate development here in Aspen, but the metal side of things has always been a key diversification strategy for me. The idea of having all my eggs in a few baskets, even with gold, just doesn’t sit right these days.

    My concern is obviously hedging against inflation and market downturns, which gold has historically done well for me. I’ve seen my gold holdings do their job more than once. But when I look at the industrial demand for palladium, particularly with its use in catalytic converters and emerging hydrogen technologies, it feels like there’s serious upside potential that’s different from gold or even silver’s drivers. Anyone else holding significant palladium in their IRA? What’s been your experience with it, good or bad? Any particular storage concerns or liquidity issues you’ve run into?

    I’ve been playing around with the “Gold vs Stocks Comparison” tool at goldvsstocks.goldirablueprint.com/?period=10Y, specifically looking at the 10-year period, and it’s a stark reminder of gold's stability compared to the broader market and a strong argument for why I have such heavy metal holdings. But I’m wondering if palladium offers enough of a unique benefit to justify adding it to my current mix, or if it might be too niche. My gut says diversify while I can, but I also don't want to get caught up chasing fads. What are your thoughts on adding another precious metal to an already well-established IRA portfolio?

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    5 comments

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    Best Answer▲ 9 upvotes
    N
    nancy_hall💰Established (100-250k)

    Interesting thought process! Good to hear you're always looking to optimize your portfolio. When you say you're "seriously considering" palladium, are you thinking about physical palladium, or looking at something like a palladium ETF or futures contract within your IRA?

    Comments (5)

    7
    matthew_murphy👑Elite (1m-5m)Real Investorabout 10 hours ago

    Oh man, I hear you! I actually did something similar a few years back. Always had my IRA heavy in gold and silver, but then a buddy mentioned platinum, and after some research, I decided to pull the trigger. It’s been pretty interesting to watch how it moves somewhat independently from the others. Definitely adds another layer of diversification, which feels good right now.

    9
    nancy_hall💰Established (100-250k)Real Investorabout 10 hours ago

    Interesting thought process! Good to hear you're always looking to optimize your portfolio. When you say you're "seriously considering" palladium, are you thinking about physical palladium, or looking at something like a palladium ETF or futures contract within your IRA?

    1
    nancy_hall💰Established (100-250k)Real Investorabout 10 hours ago

    Interesting thought, OP. While diversification is generally good, I'd personally be a bit cautious about palladium right now. It's had some pretty wild swings and the industrial demand, while strong, can be a bit more fickle than gold or silver's safe-haven appeal. Don't get me wrong, it *could* pay off, but considering your 20-year history, maybe something a bit more stable for that long-term IRA?

    5
    timothy_reed💎Premium (500k-1m)Real Investorabout 10 hours ago

    Totally get the desire to diversify beyond just gold and silver, especially with current market craziness. Palladium is an interesting one for sure with its industrial demand. Just a heads-up: make sure you're looking at providers that offer a good selection of IRA-approved palladium coins or bars. Some don't have as many options as they do for gold or silver, which can make it a bit trickier to source specific items if you have a preference. Always worth checking their inventory before committing!

    5
    ronald_morris👑Elite (1m-5m)Real Investorabout 10 hours ago

    Totally agree with this! Diversification is key, especially with how wonky things are right now. I've been in a similar boat, mostly gold and silver in my IRA for ages.

    I actually pulled the trigger on some palladium last year, and it's been a pretty good performer for me so far. Definitely worth looking into for anyone else thinking about it.

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