Rebalancing - Ditching some rounds for bars?

Nancy Hall

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Rebalancing - Ditching some rounds for bars?

nancy_hall💰Established (100-250k)

3 months ago

Key Takeaways

•Okay, so I've been a steady gold investor for a while now, mostly stacking Gold Eagles and Krugerrands in my IRA.
•I'm sitting on a portfolio somewhere in the low to mid $200k range, and honestly, the rounds have been pretty good to me.
•Lately, though, I've been thinking about rebalancing a bit.

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Okay, so I've been a steady gold investor for a while now, mostly stacking Gold Eagles and Krugerrands in my IRA. I'm sitting on a portfolio somewhere in the low to mid $200k range, and honestly, the rounds have been pretty good to me. I'm a healthcare admin here in Tampa, so stability in my investments is key – not looking for crazy swings, just solid asset preservation against inflation, which gold has been excellent for.

Lately, though, I've been thinking about rebalancing a bit. I've got a decent number of fractional and full-ounce rounds, and I'm wondering if it makes sense to swap some of them out for larger gold bars (10 oz, maybe even a kilo if I go big). My thought process is that the premium on bars is generally lower than on individual rounds, especially fractional ones. If I'm not planning on selling off small chunks, does it really benefit me to have so many individual rounds? Or is the liquidity of rounds more important than the lower premium on bars?

I've used that Gold IRA Calculator a few times to get a rough idea of what my IRA could be worth down the line, and it’s always fun to plug in different scenarios. But it doesn't really factor in the premium difference between rounds and bars when you're looking at rebalancing existing holdings. Has anyone here done something similar? What were your pros and cons? Any regrets? I'm leaning towards consolidating, but my gut is telling me not to mess with a good thing too much.

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5 comments

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Best Answer▲ 11 upvotes

ronald_morris👑Elite (1m-5m)

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

Comments (5)

catherine_bell🏆Advanced (250-500k)Real Investor•3 months ago

Totally get this! I had a similar thought process a few years back. Was all about the Eagles and Maples, but as my stack grew, the storage costs (and just the sheer number of individual coins to keep track of) started to get a little annoying. Ended up consolidating a chunk of them into some 10oz bars. No regrets – felt a lot more streamlined, especially for the long haul in the IRA. Still love the rounds, but for larger holdings, bars just make sense for me.

joyce_cooper📊Growing (50-100k)✓ Verified•3 months ago

Interesting thought process! When you say "rebalancing," are you thinking specifically of selling the Eagles & Krugerrands to buy bars, or more broadly just adjusting percentages?

ronald_morris👑Elite (1m-5m)Real Investor•3 months ago

Interesting thought process, given your background! I get the appeal of bars for easier storage and lower premiums, but have you considered the flip side? While fractional gains might be less on individual rounds, they're often more liquid if you ever need to sell a portion of your holdings without breaking up a larger bar. Plus, those Eagles and Krugerrands are globally recognized, which can be a real advantage if things ever get truly wild and you need to transact across borders. Just something to chew on.

sandra_green📊Growing (50-100k)✓ Verified•3 months ago

Hey, that's a good problem to have! If you're thinking about optimizing your gold holdings for potential liquidity or lower premiums, switching some rounds for bars can make sense. Just make sure whatever bars you're looking at are still IRA-eligible. Different custodians can have slightly different lists, so it's always worth double-checking!

You might find this guide on IRA-eligible metals helpful: https://www.srsroccosearch.com/Main/SRS_SRSRocco_Metals.html It's a pretty comprehensive list beyond just Eagles and Krugs. Good luck with the rebalance!