Question for the group: Is platinum undervalued for a Gold IRA rollover?

Susan Clark

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Question for the group: Is platinum undervalued for a Gold IRA rollover?

susan_clark💰Established (100-250k)

about 2 months ago

Key Takeaways

•Okay, so I'm deep in the weeds planning this early retirement – aiming for 55, maybe 58 at the absolute latest.
•Most of my portfolio, about 150k right now, is in a self-directed Gold IRA.
•I’ve been pretty happy with how gold has performed, especially with all the economic uncertainty out there.

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Okay, so I'm deep in the weeds planning this early retirement – aiming for 55, maybe 58 at the absolute latest. Most of my portfolio, about 150k right now, is in a self-directed Gold IRA. I’ve been pretty happy with how gold has performed, especially with all the economic uncertainty out there. I live here in Minneapolis, and honestly, the thought of having tangible assets feels good.

I'm looking at doing another rollover soon, probably another chunk of about 50k from an old 401k account. My initial instinct is to just dump it all into more gold and silver, keeping it simple. However, lately, I’ve been seeing more discussions about platinum and whether it’s seriously undervalued right now. From what I understand, it’s got industrial demand, but it’s also a precious metal. It hasn't quite had the run gold has, but that’s exactly why I’m wondering if it's got significant upside potential. My marketing executive brain keeps telling me to look for opportunities where others aren't.

My concern, naturally, is around liquidity and how well platinum performs in times of crisis versus gold. Has anyone here diversified into platinum for their IRA? What are your thoughts on its long-term potential, especially compared to gold or silver? Are there any specific things I should be aware of regarding storage costs or buy/sell spreads for platinum in an IRA? Any insights would be super helpful as I weigh my options for this next chunk.

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7 comments

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Best Answer▲ 16 upvotes

barbara_white🏆Advanced (250-500k)

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

Comments (7)

richard_garcia👑Elite (1m-5m)Real Investor•about 2 months ago

Totally get where you're coming from. I had a similar thought a few years back when I was really digging into my own precious metals allocation. Ended up putting a small percentage (like 5%) into platinum in my Gold IRA, more out of curiosity than anything. Honestly, it hasn't moved the needle significantly for me either way, but it's been interesting to watch alongside the gold. No regrets, but also no massive "aha!" moment either, if that makes sense.

frank_rivera💎Premium (500k-1m)Real Investor•about 2 months ago

Interesting thought about platinum. You mentioned most of your portfolio is in a self-directed Gold IRA – does that mean you already have physical gold and silver, or is it more of a "gold-backed" fund within the IRA?

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Interesting thought on platinum. While it does have industrial uses and can be more volatile, which some might see as an opportunity, I'd argue that "undervalued" for a Gold IRA is a bit of a stretch in the long run. The very reason gold is so popular for these types of accounts is its historical stability and role as a safe haven asset, especially during economic wobbles. Platinum's industrial demand can make it more susceptible to economic downturns, potentially undermining that safe haven aspect you'd want in an IRA. Just my two cents, but it might be worth considering if that volatility aligns with your early retirement goals.

ruth_perez📊Growing (50-100k)•about 2 months ago

Interesting question! While platinum can be included in a Precious Metals IRA, it's worth remembering the IRS has specific fineness requirements for what's allowed (like 0.9995 pure). It's not just about market price, but also meeting those purity standards for IRA-approved metals.

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•about 2 months ago

Totally agree with your line of thinking here. I've been eyeing platinum for my own self-directed IRA as well. My reasoning is similar – it seems like the price hasn't really caught up with its industrial demand, and there's a strong historical correlation with gold. I actually ended up allocating about 10% of my precious metals portfolio to platinum last year, just as a small hedge and to diversify a bit beyond just gold and silver. So far, no regrets!

barbara_white🏆Advanced (250-500k)Real Investor✓ Verified•about 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.

sharon_evans💰Established (100-250k)Real Investor•about 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.

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