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    Platinum: The forgotten metal? Thinking about adding to my portfolio...

    Key Takeaways
    • Been following the gold market pretty closely since I started seriously diversifying my portfolio a couple of years ago.
    • Gold and silver have been my primary focus for the Gold IRA, but I'm starting to wonder if I'm missing out on something with platinum.
    • From what I'm seeing, platinum's been trading at a pretty significant discount to gold for a while now.
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    Been following the gold market pretty closely since I started seriously diversifying my portfolio a couple of years ago. Gold and silver have been my primary focus for the Gold IRA, but I'm starting to wonder if I'm missing out on something with platinum.

    From what I'm seeing, platinum's been trading at a pretty significant discount to gold for a while now. I know the industrial demand side is heavily tied to auto catalysts, and EVs are obviously a long-term threat there, but there are other applications too, right? Plus, supply is so much tighter than gold or silver. As someone who's spent the last decade in tech, I'm used to looking for undervalued assets, and this just feels... off. Or maybe it's completely justified?

    My current setup is mostly gold and some silver, probably close to 70/30 split given past performance. I've got around $350k in my precious metals allocation right now (after selling off some speculative tech stocks last year - good call, me!), and I'm based here in SF, so I'm used to seeing pretty wild market swings. But traditional commodities are definitely a different beast. Has anyone here actually invested in platinum for their IRA or personal holdings? What's your outlook? Is the risk simply too high given the industrial demand concerns, or is this an opportunity for some serious upside?

    Curious to hear some real-world experiences. Don't want to jump into anything purely based on a gut feeling, but the numbers for platinum against gold are pretty compelling.

    181
    18 comments

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    Best Answer▲ 19 upvotes
    J
    joyce_cooper📊Growing (50-100k)
    I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

    Comments (18)

    8
    jennifer_martinez💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Funny you mention platinum, I actually diversified into it a while back for some of the same reasons you're probably thinking. Got a small allocation in my IRA, just to dip my toes. It's been... interesting. Definitely not as flashy as gold/silver sometimes, but I like the industrial demand angle. Curious to see what others think you should do!

    2
    helen_turner💰Established (100-250k)Real Investorabout 2 months ago

    Interesting thought! When you say you're "starting to wonder if I'm miss," what exactly are you feeling like you might be missing out on with platinum compared to gold and silver?

    7
    daniel_wright💎Premium (500k-1m)Real Investor✓ Verifiedabout 2 months ago

    I hear you on platinum feeling a bit "forgotten," and it definitely has its industrial uses which can be appealing. However, when we're talking about a *Gold IRA* specifically, the core benefit is usually about that long-term, established store of value that gold and silver offer. Platinum's price can be a lot more volatile and tied to industrial demand, which might not align as perfectly with the traditional "safe haven" aspect many look for in a precious metals IRA.

    It's not to say it's a bad metal overall, but for an IRA, sticking to gold and silver might just offer more of that predictable stability you're probably aiming for. Just something to consider!

    10
    daniel_wright💎Premium (500k-1m)Real Investor✓ Verifiedabout 2 months ago

    Hey, interesting thought process! Platinum definitely gets less airtime than gold and silver, but it's got some unique industrial demand that can make it an interesting play. One thing to consider beyond just the price action is the platinum-to-gold ratio. It can sometimes give you a sense of whether one is historically undervalued compared to the other.

    You might find this resource on the platinum-gold ratio helpful for historical context: Visual Capitalist's take on the Platinum-Gold Ratio. Good luck with your research!

    8
    gary_stewart📊Growing (50-100k)about 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

    14
    laura_sanchez💰Established (100-250k)Real Investor✓ Verifiedabout 1 month ago

    Ngl I came here expecting the usual affiliate spam but the discussions are actually decent. Way better info than what I was getting from my old advisor.

    14
    kenneth_parker💎Premium (500k-1m)Real Investor✓ Verifiedabout 1 month ago

    I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

    7
    timothy_reed💎Premium (500k-1m)Real Investorabout 1 month ago

    I rolled over about $80k last year. Honestly the hardest part was just picking which metals to hold. Still second-guessing myself.

    5
    michelle_collins🏆Advanced (250-500k)Real Investorabout 1 month ago

    Ngl I came here expecting the usual affiliate spam but the discussions are actually decent. Way better info than what I was getting from my old advisor.

    16
    james_wilson👑Elite (1m-5m)Real Investor✓ Verifiedabout 1 month ago

    Just started my rollover process last month. The paperwork alone almost made me quit lol.

    -1
    thomas_walker🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

    19
    joyce_cooper📊Growing (50-100k)✓ Verifiedabout 1 month ago

    I was pretty skeptical about another gold IRA forum but the tools here on GIRAB actually surprised me — the calculator alone saved me hours of spreadsheet work.

    4
    david_brown💎Premium (500k-1m)Real Investorabout 1 month ago

    Interesting take. I've heard the opposite from a few people though — would love to see some actual numbers on this.

    13
    donald_nelson💎Premium (500k-1m)Real Investor✓ Verifiedabout 1 month ago

    Genuinely curious — has anyone here actually tried to liquidate from their gold IRA? How smooth was that process?

    16
    charles_lewis💎Premium (500k-1m)Real Investorabout 1 month ago

    Just started my rollover process last month. The paperwork alone almost made me quit lol.

    9
    patricia_miller📊Growing (50-100k)✓ Verifiedabout 1 month ago

    This mirrors what I've been seeing too. The macro environment right now is making a strong case for physical metals.

    0
    barbara_white🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    My advisor told me 10-15% in gold is the sweet spot but I went heavier. We'll see how it plays out.

    3
    christopher_young🌟Ultra (5m+)Real Investor✓ Verifiedabout 1 month ago

    My advisor told me 10-15% in gold is the sweet spot but I went heavier. We'll see how it plays out.

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