Rebalancing - pulling the trigger on more gold

Mark Adams

Back to forum

📘 Gold IRA Blueprint

Rebalancing - pulling the trigger on more gold

mark_adams👑Elite (1m-5m)

about 2 months ago

Key Takeaways

•So, my quarterly portfolio review came around last week, and I'm looking at my allocations for my IRA and 401k.
•My gold allocation dipped a bit more than I'd like – dropped from about 8% to just under 6% of my total investable assets.
•Most of that is in physical gold held in a Delaware depository through my Gold IRA, with a smaller chunk in a few gold mining ETFs (GDX, GDXJ).

Compare top Gold IRA companies — free

So, my quarterly portfolio review came around last week, and I'm looking at my allocations for my IRA and 401k. My gold allocation dipped a bit more than I'd like – dropped from about 8% to just under 6% of my total investable assets. Most of that is in physical gold held in a Delaware depository through my Gold IRA, with a smaller chunk in a few gold mining ETFs (GDX, GDXJ). The S&P had a killer run this quarter, which obviously explains the re-weighting.

Typically, I'm pretty disciplined about hitting my target percentages, especially with how volatile some of these markets have been. I usually just top up the underperformers to get back to my 8-10% gold allocation. But this time around, I'm feeling a bit... hesitant. Not about gold itself, mind you. I'm a firm believer in its long-term role as a hedge, especially with how global liquidity is looking and the increasing geopolitical instability. The premium on physical is still a factor, but I'm looking at this as a multi-decade play, not trying to flip coins in a year.

My fund had a decent quarter, but honestly, I'm still feeling the pinch from some of the earlier volatility this year. Cash is piling up, but I'm thinking about deploying a significant chunk into rebalancing this gold position. It would mean adding another $150k-$200k to my current physical holdings. My wife thinks I'm being too conservative, but she also wasn't ecstatic when our tech positions took a temporary bath last year.

Anyone else feeling this tug-of-war between sticking to the plan and getting a gut feeling to just... go for it? Or am I just overthinking a standard rebalance? Would love to hear how others approach their rebalancing when one asset class has significantly outperformed everything else.

209

5 comments

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 →

684 people viewed this today91 members requested a free kit this week136 investors bookmarked this

Best Answer▲ 5 upvotes

donna_rogers🏆Advanced (250-500k)

Interesting! You mentioned a Delaware depository. Any particular reason you chose that location over, say, somewhere like Ohio or Texas, which I've seen mentioned a lot for gold storage?

Comments (5)

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•about 2 months ago

Totally feel this! I was in a similar boat last quarter. My silver allocation also dipped a bit more than I was comfortable with after some market shifts. Decided to pull the trigger on some more as well to get back closer to my target. Good luck with the rebalance!

donna_rogers🏆Advanced (250-500k)Real Investor•about 2 months ago

Interesting! You mentioned a Delaware depository. Any particular reason you chose that location over, say, somewhere like Ohio or Texas, which I've seen mentioned a lot for gold storage?

karen_robinson💼Starter (0-50k)•about 2 months ago

Hey, I hear you on wanting to keep those allocations in check. Just playing devil's advocate here, but sometimes a small dip in gold might not be the worst thing. Are you strictly rebalancing back to 8% because that's the number you set, or are you also considering the current market conditions and why it dipped in the first place? Might be worth a quick look at the bigger picture before pulling the trigger, just in case there's an opportunity elsewhere. Not saying don't buy, just food for thought!

gary_stewart📊Growing (50-100k)•about 2 months ago

Totally feel you on the rebalancing. I'm in Fresno and I just pulled the trigger on some more gold myself, beefing up my precious metals allocation to about 15% of my portfolio after seeing how things are shaking out. If you're weighing your options, the Learning Center over at https://learn.goldirablueprint.com/?forum has some really solid guides on allocation strategies that helped me figure out my comfort level without just blindly jumping in.

linda_taylor📊Growing (50-100k)✓ Verified•about 2 months ago

I've been contemplating this exact move myself. I've got about 15% of my retirement in physical gold through my IRA, and frankly, with the current market volatility, it feels like a pretty safe haven. My issue is debating whether I pull from my tech stocks, which have been on a wild ride lately, or if I go a little heavier into gold than my traditional allocation models suggest. I've seen some compelling arguments here on GIRAB for upping the ante, especially given the state of the dollar.

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →