Palladium in the IRA? Weighing pros and cons for a long-term hold

Catherine Bell

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Palladium in the IRA? Weighing pros and cons for a long-term hold

catherine_bell🏆Advanced (250-500k)

about 6 hours ago

Key Takeaways

•Been doing a deep dive into my IRA lately, specifically looking at diversifying beyond just gold and silver.
•Currently sitting on about $350k in precious metals, mostly gold and some silver American Eagles , all held through a Spokane-based custodian.
•My family's been in timber for generations, so I'm all about long-term value and passing something down.

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Been doing a deep dive into my IRA lately, specifically looking at diversifying beyond just gold and silver. Currently sitting on about $350k in precious metals, mostly gold and some silver American Eagles, all held through a Spokane-based custodian. My family's been in timber for generations, so I'm all about long-term value and passing something down.

I'm seriously considering adding palladium, maybe around 5-10% of my total metals allocation. I know it's had some wild swings, but the industrial demand, especially with the push for greener tech (catalytic converters being the big one), seems pretty compelling for future growth. My big concern is the volatility; it's not like stacking ounces of gold my grandfather bought. I'm thinking about it as a 20+ year play, something my own future kids could inherit.

Anyone here hold palladium in their IRA? If so, what are your thoughts on its role in a generational wealth strategy? Are you holding physical bars or coins, and which type do you prefer for an IRA? I'm curious if anyone's had buyer's remorse or if it's been a solid performer for them. What specific industrial trends are you guys watching that might impact palladium's long-term value? Appreciate any insights, especially from those with a similar long-term perspective.

4 comments

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Best Answer▲ 7 upvotes

joyce_cooper📊Growing (50-100k)

Hey, cool thread! Since you're looking at palladium for a long-term hold, it might be worth checking out some historical price charts alongside platinum. Sometimes their price movements can be pretty intertwined, which could give you an idea of potential future volatility or stability. Kitco has some good interactive charts for that. Just a thought!

Comments (4)

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

Hey, I've been down a similar rabbit hole recently! I actually added a small chunk of palladium to my IRA a couple of years back, mostly as a hedge and because it felt like a good diversification play at the time. Honestly, it's been a bit of a rollercoaster, as expected with PGMs. I'm definitely curious to see what others are thinking about it for long-term holds right now.

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

Interesting thought on palladium. Are you looking at physical palladium bars/coins, or some kind of ETF/fund that tracks it within your IRA?

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

Interesting thought on palladium, but I'm not entirely convinced for an IRA, especially considering the long-term hold aspect. While it's certainly had its moments, the volatility compared to gold or even silver makes me a bit wary for retirement savings. Are you sure you want that kind of rollercoaster ride in something that's supposed to be a bedrock of your future? Seems like a higher risk play for a relatively smaller part of a diversified portfolio.