Really thinking about adding palladium to my Gold IRA - anyone else done this?

Betty King

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Really thinking about adding palladium to my Gold IRA - anyone else done this?

betty_king📊Growing (50-100k)

about 11 hours ago

Key Takeaways

•Okay, so I've been doing a lot of research lately, and I'm really eyeing palladium for my Gold IRA.
•He always said to diversify, diversify, diversify!
•My Gold IRA is sitting around the high 70s right now, mostly gold and some silver, and I'm based here in Raleigh, NC.

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Okay, so I've been doing a lot of research lately, and I'm really eyeing palladium for my Gold IRA. My late husband was so meticulous about our investments, and since he passed, it's really felt like carrying on his legacy is my main investment goal. He always said to diversify, diversify, diversify! My Gold IRA is sitting around the high 70s right now, mostly gold and some silver, and I'm based here in Raleigh, NC.

I know gold and silver are the traditional safe havens, and they've been good to me, but palladium seems to have some really interesting industrial demand arguments. Especially with the whole push for green tech and catalytic converters. Part of me worries about adding something less "classic commodity," but then another part is thinking about what my husband would have done – he was always looking ahead, not just sticking to what was comfortable. Has anyone here actually invested in palladium within their IRA?

I'm trying to decide if I should allocate a small percentage, maybe 5-10% of my current metals, to palladium. Or if that's just unnecessary risk given my age and the fact I'm trying to protect what we've built. I'm also starting to think about RMDs down the line, and trying to keep things as straightforward as possible. I actually found a pretty useful tool for that, the RMD Calculator at Gold IRA Blueprint has been a lifesaver in helping me visualize future distributions, so I want to make sure whatever I add isn't going to complicate things unnecessarily when that time comes.

Would love to hear from anyone who has gone down this road or even just considered it. What were your pros and cons? Any regrets or major successes? Just trying to make the most informed decision possible to honor what my husband started for us.

5 comments

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Best Answer▲ 10 upvotes

sharon_evans💰Established (100-250k)

Hey, that's an interesting thought! When you say you're "eyeing palladium," have you looked into the specific types of palladium bars or coins that are IRS-approved for an IRA? I know with gold and silver there are pretty strict purity and minting requirements.

Comments (5)

margaret_chen🏆Advanced (250-500k)Real Investor•less than a minute ago

Hey, I totally get where you're coming from. My dad was the same way with investing, always looking at different metals. I actually added some palladium to my Gold IRA last year after a lot of back and forth. Honestly, it was mainly to diversify a bit more, and I liked the industrial demand angle. So far, so good, no complaints.

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

catherine_bell🏆Advanced (250-500k)Real Investor•less than a minute ago

Hey, I hear you on wanting to diversify and palladium definitely has some interesting industrial demand. But just a thought: have you looked into platinum as well? It's often overlooked compared to gold and palladium, but it has similar industrial uses and can sometimes offer a bit more stability in a precious metal portfolio. Could be worth a quick peek before you commit!

sandra_green📊Growing (50-100k)✓ Verified•less than a minute ago

Hey there! Palladium in a precious metals IRA can definitely be an interesting move, especially with its industrial demand. Just a heads-up, though, finding IRA-approved palladium products can sometimes be a bit trickier than gold or silver.

You might want to check out the IRS's official guidelines on what constitutes "IRA-approved" for palladium. It usually means a certain fineness (e.g., .9995 pure) and comes from an approved refiner. A quick search for "IRS acceptable palladium fineness for IRAs" should get you to the right place to double-check!

patricia_miller📊Growing (50-100k)✓ Verified•less than a minute ago

Hey, I hear you! I actually just pulled the trigger on adding palladium to my precious metals IRA last month. The diversification felt right, and honestly, the price action has been pretty interesting lately. Definitely worth looking into!

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