Rebalancing - how often are you all doing this?

Janet Cook

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Rebalancing - how often are you all doing this?

janet_cook📊Growing (50-100k)

about 1 month ago

Key Takeaways

•Okay, so I've been in Gold IRAs for a little over two years now, mostly focusing on coins.
•Got about $75k tucked into various Eagles and Maples, plus some pre-33 stuff that I picked up because, well, you know.
•Been running my jewelry store in Providence for going on 25 years, so I like what I know, and I know metals.

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Okay, so I've been in Gold IRAs for a little over two years now, mostly focusing on coins. Got about $75k tucked into various Eagles and Maples, plus some pre-33 stuff that I picked up because, well, you know. Been running my jewelry store in Providence for going on 25 years, so I like what I know, and I know metals.

My question is about rebalancing. I know with traditional stocks and bonds, it's pretty standard to glance at it annually, maybe adjust if things are way off. But with physical gold in an IRA, it feels different. It's not like I'm selling off a chunk of a stock ETF to buy more of another. We're talking physical assets here, and while I have a good relationship with my custodian and my dealer, it's still a transaction.

I'm feeling like my allocation of modern vs. numismatic might be a little heavy on the modern side right now given some of the market shifts. Anyone else actually rebalance their physical gold IRA? If so, how often? Are you looking at percentages, or just when a specific type of coin seems over or undervalued compared to the others in your portfolio? I’m trying to avoid unnecessary sales fees while still being smart about it.

Just curious what everyone else's strategy is here. Is it even worth the effort to rebalance, or is it more of a "buy and hold it forever" situation with gold coins in an IRA? Thanks for any insights.

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4 comments

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Best Answer▲ 6 upvotes

dorothy_lopez💰Established (100-250k)

Hey, I hear you on the rebalancing. I used to be super strict about it with my regular investment portfolio, but my Gold IRA? Not so much.

Similar to you, I've got mostly coins, a mix of Eagles and some other fractional stuff. I originally planned to check in quarterly, but honestly, it's more like once a year now, if that. It just feels different, less like trading and more like a long-term hold for me. Good luck with the jewelry store, sounds like a cool gig!

Comments (4)

dorothy_lopez💰Established (100-250k)Real Investor•about 1 month ago

Hey, I hear you on the rebalancing. I used to be super strict about it with my regular investment portfolio, but my Gold IRA? Not so much.

susan_clark💰Established (100-250k)Real Investor•about 1 month ago

Hey, that's awesome you're leaning into what you know with the coins! Quick question though – with the pre-33 stuff, are you talking about certified numismatic coins with significant collector premiums, or more like circulated gold coins from that era? Just curious how that plays into your rebalancing thoughts.

margaret_chen🏆Advanced (250-500k)Real Investor•about 1 month ago

Interesting approach, sticking to what you know! While I get the comfort of familiar coins, I've always found it beneficial to rebalance my precious metals a bit more actively. Especially with the market swings we've seen, having a set schedule, even if just annually, can sometimes help you take advantage of price dips in one area or lock in gains in another. Just a thought!

robert_thompson💰Established (100-250k)Real Investor✓ Verified•about 1 month ago

Sounds like you've got a great handle on things, especially with your background! On rebalancing, it really depends on your overall financial strategy and risk tolerance, but a lot of people like to check in at least annually, maybe even quarterly if the market's been wild.

A good resource to consider for more in-depth portfolio management, especially with precious metals, is the Gold Standard IRA Guide's section on diversification strategies. It offers some solid perspectives beyond just the "how often" and delves into the "why" and "what to consider." Might be helpful for fine-tuning!

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