Roth vs Traditional for Palladium IRA?

Timothy Reed

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Roth vs Traditional for Palladium IRA?

timothy_reed💎Premium (500k-1m)

about 7 hours ago

Key Takeaways

•Alright, so I've been kicking around the idea of putting some more into precious metals, specifically palladium this time.
•But I'm thinking about setting up a separate Palladium IRA, just to diversify a bit more.
•My big hang-up right now is Roth vs.

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Alright, so I've been kicking around the idea of putting some more into precious metals, specifically palladium this time. Got a decent chunk of my retirement in a Gold IRA already, maybe around 700k all told, and it's been a pretty steady ship even with all the ups and downs lately. But I'm thinking about setting up a separate Palladium IRA, just to diversify a bit more.

My big hang-up right now is Roth vs. Traditional. With my Gold IRA, I went Traditional back when I was still elbow-deep in the dairy biz, making a good salary, and those tax deductions upfront were mighty attractive. Now I'm 58, pretty comfortable, and my income isn't what it used to be. I'm thinking about when I actually pull this money out down the road. Madison's a great place to retire, and I don't want to get hit with a huge tax bill when I'm trying to enjoy my grandkids.

Those of you with Palladium IRAs, or even just general precious metals IRAs, what was your rationale for going Roth or Traditional? Did your income at the time play a huge factor? Are you betting on tax rates being higher or lower in the future? Any thoughts or experiences specific to palladium would be extra helpful. Just trying to make the smartest move here for the long haul.

3 comments

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Best Answer▲ 9 upvotes

donna_rogers🏆Advanced (250-500k)

Hey, interesting question! When you say "decent chunk" of your retirement is already in a Gold IRA, are we talking about a Roth Gold IRA or a Traditional Gold IRA for that initial 700k?

Comments (3)

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

I hear you on the Roth vs. Traditional for metals. I had a similar dilemma, though with silver instead of palladium. Ended up going with Roth for the silver, figuring if it really took off, those tax-free withdrawals in retirement would be sweet. My gold is mostly Traditional too, so it felt like a good diversification. Sounds like you've got a solid foundation already, good luck with whichever way you lean!

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

Hey, interesting question! When you say "decent chunk" of your retirement is already in a Gold IRA, are we talking about a Roth Gold IRA or a Traditional Gold IRA for that initial 700k?

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

Interesting thought on palladium, but honestly, with 700k already in a Gold IRA, I'd seriously question the "need" for palladium specifically. Gold and silver tend to be the go-to for a reason – liquidity and long-established track record. Palladium, while having industrial uses, can be a lot more volatile and less universally accepted if you ever needed to sell quickly. Might be diversifying for diversification's sake, rather than for truly sound investment principles, especially if you're looking at smaller percentages within that 700k. Just my two cents.

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 →