Is palladium in an IRA worth it? My experience and questions for the community

Carol Carter

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Is palladium in an IRA worth it? My experience and questions for the community

carol_carter💰Established (100-250k)

about 9 hours ago

Key Takeaways

•I'm an insurance agent here in Omaha, so I'm big on mitigating risk and not putting all my eggs in one basket.
•I started my Gold IRA about five years ago, mainly for the stability and inflation hedge.
•I’ve been pretty happy with the gold performance, and the silver has been a nice addition.

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Been seeing a lot of chatter lately, both good and bad, about palladium as an investment, especially for those of us with precious metals in our IRAs. I've got a decent chunk of my retirement portfolio (~$180k) already diversified, with a good mix of stocks, bonds, and some physical gold and silver allocated through my Gold IRA. I'm an insurance agent here in Omaha, so I'm big on mitigating risk and not putting all my eggs in one basket.

I started my Gold IRA about five years ago, mainly for the stability and inflation hedge. I’ve been pretty happy with the gold performance, and the silver has been a nice addition. The idea of adding palladium has been floating around in my head for a while now. I know it’s got industrial demand, especially in catalytic converters, which seems like a more tangible use case than just a store of value. But the price swings can be pretty wild, much more so than gold or even silver.

My concern is primarily the volatility and whether it's truly a good long-term hold within a retirement account. Palladium had that huge run-up a few years back, then a significant correction. Has anyone here personally added palladium to their IRA? What kind of allocation percentage did you go with? Did you use coins or bars? And most importantly, how are you feeling about that decision now? I’m weighing the potential for growth against the risk of a significant downturn, and just trying to figure out if it makes sense to dedicate a small percentage, say 5-10%, of my precious metals allocation to it.

3 comments

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Best Answer▲ 10 upvotes

jennifer_martinez💰Established (100-250k)

Totally get where you're coming from. I went through a similar thought process a while back, though with platinum instead of palladium. Had a good chunk of my IRA in the usual suspects and was looking to diversify a bit more within the precious metals space. Decided against it in the end, mostly due to liquidity concerns if I ever needed to sell quickly. Curious to see what others have to say about palladium specifically!

Comments (3)

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

betty_king📊Growing (50-100k)•less than a minute ago

Interesting post! You mentioned you already have some physical gold and silver. Are those also in an IRA, or are those held outside of it?

mark_adams👑Elite (1m-5m)Real Investor•less than a minute ago

Interesting post! I'm always a bit wary of anything that has "a lot of chatter" around it, especially when it comes to investments. Palladium's definitely had its moments, but it also feels like it's been pretty volatile lately. While I appreciate the diversification angle, I personally lean towards sticking with the more established gold and silver for my IRA. The long-term stability and historical performance just feel more reassuring to me for retirement funds, rather than trying to chase the next big thing. Just my two cents!

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