Platinum in my IRA - should I pull the trigger?

Dorothy Lopez

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Platinum in my IRA - should I pull the trigger?

dorothy_lopez💰Established (100-250k)

about 5 hours ago

Key Takeaways

•Been doing some serious deep dives into my portfolio lately.
•I've got a decent chunk, about $180k, spread across a few different buckets, including a decent Gold IRA.
•My gold has been a solid performer, no complaints there, but I'm looking at platinum and wondering if I'm missing something big.

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Been doing some serious deep dives into my portfolio lately. I've got a decent chunk, about $180k, spread across a few different buckets, including a decent Gold IRA. I’ve been in the casino industry out here in Vegas for long enough to know a thing or two about risk and reward, so I like to be strategic, not just toss chips on red every time. My gold has been a solid performer, no complaints there, but I'm looking at platinum and wondering if I'm missing something big.

I feel like platinum has been just kinda… sitting there for a while, compared to gold. Am I crazy for thinking it's undervalued right now? I'm trying to decide if it's worth reallocating a portion of my IRA to platinum, or if I should just stick with what’s working. The industrial demand side of things for platinum seems really volatile, and that's usually where I see the biggest swings, but the supply constraints are also pretty wild. For those of you who have platinum in your Precious Metals IRA, what's your take? What made you decide to get into it, and how has it performed for you?

I’m also starting to think ahead to when I'll actually need to start taking distributions. I was playing around with the RMD Calculator on Gold IRA Blueprint – that thing is really handy for figuring out what I’ll owe when the time comes. It got me thinking about how different assets might impact those distributions. Does anyone factor in RMDs when they're deciding on their asset allocation percentages within their IRA? I'm trying to make sure I'm not just chasing gains but also planning for the long haul.

Any thoughts on platinum's future, especially from an investment perspective within an IRA, would be super helpful. Are you bullish, bearish, or somewhere in the middle? Thanks!

5 comments

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Best Answer▲ 5 upvotes

charles_lewis💎Premium (500k-1m)

Honestly, with $180k, and a decent chunk already in a Gold IRA, I'd probably lean more towards adding some silver before jumping into platinum. Platinum can be great, don't get me wrong, but silver often has a little more upside potential due to its industrial demand and lower price point. Diversification is key, but maybe consider deepening your precious metals pool with something that has a bit more room to run first?

Comments (5)

charles_lewis💎Premium (500k-1m)Real Investor•less than a minute ago

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

Hey, interesting question! While platinum can be a solid precious metal, remember that IRS rules for IRAs are pretty specific about purity and form. Make sure whatever platinum product you're considering (coins, bars, etc.) meets those standards. <a href="https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-investments">The IRS website</a> has a good section on permissible IRA investments that's worth checking out before you pull the trigger. Good luck!

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

Hey, I hear ya! I was in a similar boat a few years back, looking at adding platinum to my precious metals IRA. I had a good chunk in gold and silver, and platinum seemed like a natural diversification. Ultimately, I decided to go for it, but only with a smaller percentage of that specific allocation. It's been interesting to watch its performance alongside the others. Good luck with your decision!

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

Interesting! So you're considering adding platinum to your existing Gold IRA? I'm curious what kind of percentages you're looking at for that allocation. Are you thinking a small diversifier or something more substantial given your overall portfolio?

william_davis💎Premium (500k-1m)Real Investor•less than a minute ago

Totally agree with your approach here. Diversification is key, especially with that kind of exposure to one industry. I just opened a Gold IRA myself and was looking into platinum. I'm only at about $50k in it right now, but I'm thinking of adding some platinum to the mix too. Seems like a smart move.

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