Rolling over part of my TSP – is gold the right move for inflation?

Ruth Perez

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Rolling over part of my TSP – is gold the right move for inflation?

ruth_perez📊Growing (50-100k)

about 6 hours ago

Key Takeaways

•I'm seriously looking at rolling over a portion of my TSP into a Gold IRA, maybe around $60k-$70k.
•My big question is, for those of you who've done a partial rollover into gold, how has it performed for you specifically as an inflation hedge?
•I'm not looking to get rich quick, just want to preserve purchasing power.

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I'm seriously looking at rolling over a portion of my TSP into a Gold IRA, maybe around $60k-$70k. I'm a government employee here in Albuquerque, and while my pension is solid, I'm getting increasingly antsy about inflation eating away at everything. I've got a good amount in the C and S funds, but it just feels like the dollar is getting weaker every year, and my retirement savings need some genuine inflation protection.

My big question is, for those of you who've done a partial rollover into gold, how has it performed for you specifically as an inflation hedge? I'm not looking to get rich quick, just want to preserve purchasing power. I'm still a good 10-12 years out from retirement, so I've got some time, but I also don't want to regret not diversifying more aggressively now. I've seen some of the arguments against gold, but the current economic climate just screams "gold" to me.

Also, any recommendations for Gold IRA custodians, particularly for those of us in the federal system or even just here in New Mexico? I want to make sure I pick a reputable one that understands the rollover process from something like the TSP. What were the hidden fees or complexities you encountered during the rollover process? I'm trying to compare custodians, and it's hard to cut through all the marketing speak.

My hope is that having a significant chunk in physical gold will provide a stable base, kind of like an insurance policy against future economic uncertainty. What are your thoughts on allocating this much to gold for inflation protection, especially with a pension supplementing it? Am I overthinking this, or is now truly a critical time to make this move?

5 comments

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Best Answer▲ 10 upvotes

kenneth_parker💎Premium (500k-1m)

Totally get where you're coming from on the inflation anxiety. It’s a real concern for a lot of us right now. I actually did something similar with an old 401k last year, putting about half into a Gold IRA. For me, it was more about diversification and a hedge against market volatility, but the inflation angle was definitely a strong secondary factor.

So far, I'm happy with the decision. It's a nice peace of mind knowing a portion of my retirement isn't directly tied to the whims of the stock market. Good luck with your decision!

Comments (5)

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

Hey, I hear you on the inflation anxiety. I was in a similar boat a few years back with an old 401k from a previous job. Ended up rolling a chunk into a Gold IRA myself, not quite as much as you're considering, but enough to feel like I had some diversification against the dollar. It definitely gives me a little more peace of mind, especially with all the economic uncertainty. Good luck with your decision!

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•less than a minute ago

Hey, interesting post! When you say you're "getting increasingly antsy about inflation," are you thinking more about short-term spikes or long-term erosion of purchasing power? It might make a difference in how gold stacks up against other options you're considering.

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

Hey, I hear you on the inflation anxiety – it's real. Gold definitely has its historical role as an inflation hedge, but it's not a guarantee, you know? Sometimes it tracks with inflation, sometimes it doesn't, and it can be pretty volatile on its own terms. Have you looked into other options that also historically perform well during inflationary periods, maybe some real estate or even certain commodity ETFs? Just something to consider alongside the gold move.

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

Hey there! Sounds like you're doing some smart planning. When considering gold for inflation hedging, it's always helpful to look at its historical performance during inflationary periods, and also how it might perform under different economic conditions.

One thing to keep in mind is the distinction between a Gold IRA (where you own physical precious metals) and investing in gold stocks or ETFs. Each has its own pros and cons, especially regarding storage, fees, and liquidity. You might find some good comparisons and detailed breakdowns on sites like Investopedia or even reputable financial blogs that specialize in precious metals. Good luck with the rollover!

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

So far, I'm happy with the decision. It's a nice peace of mind knowing a portion of my retirement isn't directly tied to the whims of the stock market. Good luck with your decision!

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