Platinum - anyone else looking at it with a Gold IRA? Or just sticking to gold/silver?

Laura Sanchez

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Platinum - anyone else looking at it with a Gold IRA? Or just sticking to gold/silver?

laura_sanchez💰Established (100-250k)

about 9 hours ago

Key Takeaways

•Okay, so I've been doing a deep dive lately into my portfolio, especially the Gold IRA part.
•Running a few businesses down here in El Paso, I've seen enough economic ups and downs to know you need hard assets.
•My question for the community here, especially those heavy into PMs: is anyone else looking at platinum right now, or am I just seeing things?

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Okay, so I've been doing a deep dive lately into my portfolio, especially the Gold IRA part. I'm sitting on about $180k invested there right now, mostly in physical gold and silver eagles, which I've been building up over the last five years since I got serious about diversifying away from just real estate and the market. Running a few businesses down here in El Paso, I've seen enough economic ups and downs to know you need hard assets. My question for the community here, especially those heavy into PMs: is anyone else looking at platinum right now, or am I just seeing things? It feels like it's been lagging behind gold and silver for a while, and the industrial demand side, especially with auto catalysts and the push for hydrogen fuel cells, seems like it could create some serious upward pressure.

I remember back in 2008, platinum really ripped, and right now, the gold/platinum ratio is pretty wild. It's making me wonder if it's hitting one of those "undervalued" phases, especially compared to gold. I'm thinking about allocating maybe 10-15% of new contributions to platinum next year, perhaps as bars, if I decide to pull the trigger. My main concern is liquidity and the spread when you go to sell. Gold and silver feel like rock-solid, universally accepted safe havens, but platinum sometimes feels a tad more niche, even though it's technically rarer.

For those of you who've dabbled in platinum within your Gold IRA, what's been your experience? Any regrets? Or are you bullish on its prospects? I used the Gold IRA Calculator last week to run some projections on what different growth rates for platinum could do to my overall IRA value if I started adding it in, and the numbers are definitely intriguing if it performs well. Just weighing the pros and cons before I make any moves. Would love to hear some diverse opinions here, especially from anyone who's got more than just a passing interest in PMs beyond the usual gold and silver.

3 comments

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Best Answer▲ 10 upvotes

diane_bailey💰Established (100-250k)

Interesting thought! So with $180k already in gold and silver, what percentage of your total Gold IRA are you thinking of allocating to platinum if you do go that route? Are you looking at bars or coins for that?

Comments (3)

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

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

Interesting thought process on including platinum! I get the diversification angle, but personally, I'm a bit more wary of platinum for a long-term hold in an IRA. It's so heavily tied to industrial demand, especially auto catalysts. While gold and silver have industrial uses too, their monetary and store-of-value aspects feel a lot more foundational, especially when we're talking about an IRA that's likely for a very long horizon. Just a different perspective to consider!

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

Dude, I was literally just having this conversation with my brother last week! I've been 100% gold and silver in my precious metals IRA for years, but with platinum's industrial demand and lower price point right now, it's starting to look really interesting. Not sure I'd go all-in, but a small allocation is definitely on my radar. Good to know I'm not the only one eyeing it.

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