Portfolio Rebalancing - Feeling a Little Jittery About Gold Coins

Ruth Perez

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Portfolio Rebalancing - Feeling a Little Jittery About Gold Coins

ruth_perez📊Growing (50-100k)

about 9 hours ago

Key Takeaways

•Okay, so I'm coming up on my annual portfolio review, and this year feels a little different.
•I’ve got about $75k in my Gold IRA spread across various coins – mostly Eagles and Buffalos, with a few Kookaburras thrown in for a little variety.
•I started this a few years back specifically to supplement my government pension once I retire in about 15 years.

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Okay, so I'm coming up on my annual portfolio review, and this year feels a little different. I’ve got about $75k in my Gold IRA spread across various coins – mostly Eagles and Buffalos, with a few Kookaburras thrown in for a little variety. I started this a few years back specifically to supplement my government pension once I retire in about 15 years. Living here in Albuquerque, the cost of living keeps creeping up, and seeing what the stock market does some days makes me feel like gold is my real bedrock.

My concern is this: with gold prices being, well, gold prices right now, my allocation has naturally grown a bit. It’s now sitting at a higher percentage of my overall retirement savings than I originally planned, probably closer to 20% instead of the 15% I was targeting. I know the general advice is to rebalance, sell some of the high performers, buy more of the low performers, yada yada. But when it comes to physical gold coins held within an IRA, it feels a lot more… permanent? And complicated to actually do a partial sell-off, especially with a specific type of asset like coins.

Has anyone here rebalanced out of gold coins before? What was your experience? I'm picturing a bunch of paperwork, potential fees, maybe even having to ship stuff around if I have to physically move inventory. I'm trying to figure out if it's even worth the hassle for a few percentage points of allocation. Or am I just overthinking this and should I just let it ride, given gold's historical role as a safe haven? Part of me just wants to keep stacking, but the logical side says to stick to the plan.

Any thoughts or experiences would be hugely appreciated. Feeling a little torn between sticking to my original strategy and just letting my winners run. What do you all do when your gold allocation gets a little out of whack?

4 comments

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Best Answer▲ 10 upvotes

steven_mitchell🏆Advanced (250-500k)

I hear you on the jitters, but honestly, it sounds like you've got a pretty solid spread of well-recognized coins. Eagles and Buffalos are about as liquid as it gets in the gold coin world. Unless you're looking at some super obscure, high-premium collector pieces that might be harder to move, I wouldn't worry too much about liquidity when it comes to rebalancing. The bigger question for me would be your overall asset allocation and whether gold still fits your long-term strategy at its current weighting.

Comments (4)

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•about 9 hours ago

Totally get that jittery feeling. I went through something similar last year with a chunk of my silver. Had this nagging voice in the back of my head like, "Is this *really* performing how I thought?"

For me, I ended up just re-evaluating my original goals for that part of my portfolio and it actually helped me decide to just hold steady. Sometimes it's just the overthinking that gets ya.

paul_hill🏆Advanced (250-500k)Real Investor✓ Verified•about 9 hours ago

Interesting mix! Eagles and Buffalos are classics, but I'm curious what prompted you to add the Kookaburras specifically? Just for the variety, or was there something else appealing about them for your IRA?

steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verified•about 9 hours ago

helen_turner💰Established (100-250k)Real Investor•about 9 hours ago

Hey there! Sounds like you've got a solid foundation with those Eagles and Buffalos. Given your jitteriness about gold coins specifically, have you looked into gold bars for your IRA at all? They often have lower premiums over spot compared to coins, which could help ease some of that rebalancing anxiety if you're looking to maximize your gold exposure for the dollar. Just a thought!

Here's a quick read on the differences if you're curious: Gold Coins vs. Bars: A Comparison

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