Rebalancing my Gold IRA - too early to consider selling

Susan Clark

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Rebalancing my Gold IRA - too early to consider selling

susan_clark💰Established (100-250k)

3 months ago

Key Takeaways

•Okay, so I'm about three years into my Gold IRA, and it's been a pretty wild ride, to say the least.
•I originally put about $150k into it, mostly during some of those dips, and now it's sitting comfortably around $220k.
•Super happy with that, obviously – definitely beating what my 401k has been doing lately.

The 3-step rollover process explained

Okay, so I'm about three years into my Gold IRA, and it's been a pretty wild ride, to say the least. I originally put about $150k into it, mostly during some of those dips, and now it's sitting comfortably around $220k. Super happy with that, obviously – definitely beating what my 401k has been doing lately. The goal here is early retirement, probably aiming for sometime in my late 50s, so another 15-ish years to go. I’m a marketing exec here in Minneapolis, and while the job’s good, I’m really looking forward to getting out of the rat race.

My original thought process was that the Gold IRA was a foundational, long-term hedge against inflation and market volatility for the retirement portfolio. Like, I wasn't necessarily looking for massive gains, just stability and capital preservation. But now, seeing these numbers, it's making me wonder if I should be rebalancing out of some of it. I'm sitting on a pretty nice chunk of profit, and while gold feels like it could keep climbing with everything going on in the world, a part of me is itching to lock in some of these gains and diversify a bit more back into traditional equities or maybe even some real estate down the line.

Has anyone else faced a similar dilemma with their precious metals IRA? Is it silly to even consider selling some while gold is still performing well? Or is this exactly what rebalancing is for – taking profits when an asset class has outperformed? I’m generally pretty hands-off with this account, but my financial advisor (who’s great, actually) just mentioned we should probably chat about rebalancing soon, and it’s got me really thinking. What are your experiences here? Should I hold tight, or consider taking some off the table?

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6 comments

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Best Answer▲ 19 upvotes

patricia_miller📊Growing (50-100k)

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

Comments (6)

donald_nelson💎Premium (500k-1m)Real Investor✓ Verified•3 months ago

Dude, 70k gain in three years? That's awesome! Honestly, I'm in a similar boat. Got into a Gold IRA a little over two years ago and it's also outperformed my other retirement accounts big time. I've been wondering the same thing – like, do I let it ride or take some profit? It's a good problem to have, I guess!

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•3 months ago

Congrats on the gains, that's awesome! Quick question about the dips you mentioned – were those specific market dips or more related to gold's price fluctuating? Just curious about your strategy there.

kenneth_parker💎Premium (500k-1m)Real Investor✓ Verified•3 months ago

Awesome returns, for sure! But "too early to consider selling some?" That's a tricky one. With gold, it's not always about maximizing short-term gains like with stocks. A lot of folks use a Gold IRA more for wealth preservation and as a hedge against inflation or market volatility, rather than a growth vehicle you rebalance every few years.

If your original intent was diversification and a safe haven, selling now just because it's up might defeat the purpose if the market takes a dive later. Just something to chew on, depending on your overarching financial strategy.