Rollover rebalancing - what are you guys seeing for gold vs stocks right now?

Frank Rivera

Back to forum

🔄 Rollover

Rollover rebalancing - what are you guys seeing for gold vs stocks right now?

frank_rivera💎Premium (500k-1m)

1 day ago

Key Takeaways

•When I rolled over my TSP, I put a solid chunk – probably around 30% of that initial half-mil – into physical gold through an IRA.
•The rest is in a mix of dividend stocks and some ETFs.
•It's why I liked gold in the first place; a hedge against the unknown from China to Russia.

Download the free rollover checklist

Okay, so I'm a few years into retirement here in Honolulu, finally got my pension sorted after 20+ years in the service, and now I'm watching my IRA gold allocation like a hawk. When I rolled over my TSP, I put a solid chunk – probably around 30% of that initial half-mil – into physical gold through an IRA. The rest is in a mix of dividend stocks and some ETFs. For the past year, it’s been feeling pretty good, especially with all the noise about inflation and these ongoing geopolitical tensions in the Pacific. It's why I liked gold in the first place; a hedge against the unknown from China to Russia.

Lately though, I'm starting to wonder if I should be rebalancing. My gold's done well, probably up significantly enough that it's sitting closer to 35-38% of my total portfolio now, just from appreciation. The stock portion has been a bit of a rollercoaster, as expected. I'm looking at the next year or two and thinking about drawing more heavily on the stock side if things stay choppy, but I don't want to undersell the gold if it's got more room to run. My initial plan was to rebalance back to 30%, but honestly, I'm a little hesitant to trim my gold position right now, especially with the dollar still feeling a bit wobbly.

For those of you with significant gold allocations in your IRAs, what's your current strategy? Are you sticking to fixed percentages religiously, or are you letting your gold position ride a bit if it's performing well? I've been using tools like the Gold vs Stocks Comparison on Gold IRA Blueprint to check the long-term trends, and over the past 10 years, gold's definitely had its moments against the S&P 500. But past performance isn't future performance, right?

The thought of selling off a good chunk of my gold just to hit an arbitrary percentage makes me feel a bit uneasy, especially when I look at the big picture. Are any of you adjusting your target allocations based on market conditions, or are you just letting the rebalancing algorithm do its thing? Would love to hear some perspectives, especially from folks who maybe have a similar portfolio size and mindset. Is holding 35%+ in gold just being greedy, or is it a smart play for the current climate?

6 comments

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 →

181 people viewed this today23 members requested a free kit this week34 investors bookmarked this

Best Answer▲ 10 upvotes

catherine_bell🏆Advanced (250-500k)

Honestly, the S&P looks like it’s running on fumes to me. I just rebalanced about 15% more of my old 401k into my Gold IRA, bringing my physical gold allocation up to ~22%. For anyone feeling analysis paralysis on the "how much" question, the Gold Alliance site actually has a decent little interactive calculator for portfolio allocation based on risk tolerance that I found surprisingly helpful for sanity-checking my own numbers.

Comments (6)

carol_carter💰Established (100-250k)Real Investor•about 23 hours ago

Man, I feel this. Not quite retirement yet, but I did a similar rollover a few years back from an old 401k and went a bit heavy on the gold, maybe 25%ish. Initially, I was feeling great about it, but with the market being... well, the market, I've also been eyeing that balance. Curious to see what others are doing.

michael_anderson🏆Advanced (250-500k)Real Investor•about 23 hours ago

Sounds like you've been smart about setting yourself up! Out of curiosity, when you say "physical gold through" were you referring to a specific company or just the general process? Always interested to hear what providers others are using since there are so many out there.

betty_king📊Growing (50-100k)•about 23 hours ago

Interesting to hear about your allocation, especially with such a significant chunk in physical gold right out of the gate. For me, 30% feels a bit high for a *long-term* retirement strategy, even with gold's appeal as a safe haven. While it's great for diversification and inflation protection, I've always leaned more towards 10-15% myself, keeping more liquidity in those stock/bond allocations for growth potential. Just curious, aside from inflation, what's driving such a strong conviction in gold for your specific situation?

paul_hill🏆Advanced (250-500k)Real Investor✓ Verified•about 23 hours ago

Hey, congrats on the retirement! Sounds like you've got a good handle on things. For anyone else looking into rollovers or rebalancing their Gold IRA, it's super important to understand the tax implications of different moves.

I found this article on Investopedia about Gold IRAs really helpful for breaking down the rules around rollovers and contributions. It's a solid resource to make sure you're not accidentally creating a tax headache while trying to safeguard your future.

catherine_bell🏆Advanced (250-500k)Real Investor•about 23 hours ago

sandra_green📊Growing (50-100k)✓ Verified•about 23 hours ago

Man, this is exactly what I was wrestling with a couple of months ago. I’m in KC and my 401k from my old job was just sitting there, losing value. I finally bit the bullet and rolled over about 75k into a Gold IRA. I’m still keeping some stock exposure in my current 401k, but having that physical gold in the IRA just feels right with all the market weirdness. If you’re trying to figure out the process, the Learning Center here on GIRAB has some really solid guides on rollovers – it helped me understand the tax implications of direct vs. indirect.

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →