Rebalancing - Is Anyone Else Seeing This With Gold Coins?

Donald Nelson

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Rebalancing - Is Anyone Else Seeing This With Gold Coins?

donald_nelson💎Premium (500k-1m)

about 10 hours ago

Key Takeaways

•I've been invested in gold for over 20 years now, mostly physical and some in a Gold IRA.
•Pretty much ever since I retired from the auto industry here in Detroit, I’ve had a significant chunk of my portfolio in gold.
•Usually, it's just a percentage tweak here and there, selling off a bit of one asset to buy another, or vice-versa.

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I've been invested in gold for over 20 years now, mostly physical and some in a Gold IRA. Pretty much ever since I retired from the auto industry here in Detroit, I’ve had a significant chunk of my portfolio in gold. I'm sitting on somewhere between a half-million and a million total, and I've always followed a pretty standard rebalancing strategy to keep my allocation in check. Usually, it's just a percentage tweak here and there, selling off a bit of one asset to buy another, or vice-versa.

Lately, though, with the recent run-up in gold prices, I'm finding myself in a bit of a pickle, specifically with my gold coins. I've got a decent mix – Eagles, Buffalos, Maples – purchased at various points over two decades. The issue isn't if I should rebalance, it's how, and the specific logistics around selling off a portion of these physical assets without getting completely hosed on premiums or dealer fees. When it's paper assets, it’s a click of a button and maybe a small commission. With gold coins, it feels like a whole different beast.

My gold allocation is currently a bit higher than I'd like, pushing past my target. I'm looking to trim it down by about 10-15% of my gold holdings to free up some capital for other investments. For those of you who actively rebalance with physical gold coins, what's your go-to method for selling? Do you find local dealers offer competitive prices, or is it better to go through online platforms, even with the added shipping/insurance hassles? Are there any hidden fees or tricks to look out for with specific types of coins? Any advice on minimizing the hit from premiums when selling versus buying?

It feels a little different than just selling shares of a fund, and I want to make sure I’m not missing something obvious that more experienced physical gold rebalancers might know. Appreciate any insights folks have. Thanks.

4 comments

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Best Answer▲ 10 upvotes

joyce_cooper📊Growing (50-100k)

Dude, I hear you on the rebalancing. I'm not in the same league wealth-wise, but I had a similar moment with some silver coins recently. Just felt "off" for a bit, like I needed to tweak things. Ended up shifting a small portion to a gold ETF just to feel a bit more diversified without dumping my physical. It's wild how your gut tells you these things sometimes, even after years of holding.

Comments (4)

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

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

Hey, interesting post! When you say you've always diversified and rebalanced, are we talking about different types of gold (coins, bars, ETFs, etc.) or also rebalancing *between* gold and other asset classes when one gets too heavy?

frank_rivera💎Premium (500k-1m)Real Investor•less than a minute ago

Interesting take. While I totally get the appeal of diversification, especially with that kind of capital, I'm not sure a "rebalancing" strategy in the traditional sense *really* applies to physical gold coins in an IRA the same way it might for stocks or bonds.

For me, gold in an IRA is more about wealth preservation and a hedge against inflation and economic uncertainty. It's not something I'm actively trading or trying to time the market with. So, while you might adjust your *overall* asset allocation, treating gold coins like a volatile stock that needs regular adjusting might miss the point of why many people hold them in the first place.

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

Hey, interesting observation. It's wild how different segments of the market can behave. When you're talking about rebalancing, especially with a significant amount of gold, it's always good to have all your ducks in a row.

You might find this Forbes Advisor article on rebalancing strategies helpful. It covers a few different approaches that could apply to a diversified portfolio including precious metals. Could be a good read with your experience!

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →