Seriously considering adding more gold to my IRA

Catherine Bell

Back to forum

✨ Precious Metals

Seriously considering adding more gold to my IRA

catherine_bell🏆Advanced (250-500k)

about 2 months ago

Key Takeaways

•Been watching the CPI numbers and feeling a knot in my stomach.
•I’ve had a decent chunk of my IRA in physical gold for a while now, probably around 15% of my total portfolio, which is in the high six figures.
•My family’s always been big on generational wealth preservation (timber industry, you know how it is), so gold was a natural fit from the jump.

The 3-step rollover process explained

Been watching the CPI numbers and feeling a knot in my stomach. I’ve had a decent chunk of my IRA in physical gold for a while now, probably around 15% of my total portfolio, which is in the high six figures. My family’s always been big on generational wealth preservation (timber industry, you know how it is), so gold was a natural fit from the jump. Most of my holdings are actually in a Gold IRA, with a reputable custodian holding actual allocated government-minted coins. I'm based in Spokane, so plenty of local options for vault storage if I ever wanted to deal with that hassle, but I'm comfortable with the current setup.

The thing is, with all this money printing and supply chain chaos, it just feels like we're heading for a sustained period of higher inflation. Not just a blip, but something more entrenched. I’m thinking about bumping my gold allocation up to maybe 20-25% over the next 12-18 months. My main concern is ensuring I'm not just chasing a trend, but genuinely protecting the purchasing power of what my grandparents worked so hard to build. I want to make sure the inheritance I eventually pass down has similar real value.

Anyone else feeling this push to increase their gold exposure right now? Am I being overly paranoid, or is the writing on the wall? What are your thoughts on the ideal percentage of a portfolio to have in physical gold for long-term inflation protection, especially for those of us prioritizing wealth preservation over aggressive growth? Trying to noodle this through and would appreciate some diverse perspectives.

222

4 comments

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 →

721 people viewed this today96 members requested a free kit this week144 investors bookmarked this

Best Answer▲ 8 upvotes

michael_anderson🏆Advanced (250-500k)

Totally get the feeling of inflation anxiety. CPI numbers can be a real gut punch. Since you're already holding a good amount of physical gold, which is smart, consider looking into the different forms of gold you can hold within an IRA. For instance, some folks diversify beyond just bullion to include gold ETFs or even mining stocks within their self-directed IRA, though that's a different risk profile. Just a thought to potentially spread your gold exposure a bit if you're looking to add more without just bulking up on one type.

Comments (4)

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

Totally feel this. My parents hammered it into me growing up too, though more about avoiding "paper losses" in recessions than inflation specifically. I'm in a similar boat, my *traditional* IRA has a good chunk of gold already, maybe 10-12%. I'm seriously thinking of rolling over an old 401k into a new Gold IRA to boost that percentage given how things are looking. It's not just the CPI, but the feeling that things are just... unstable.

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

Totally get the inflation spook. It's a rough ride right now. Quick question though, you mentioned "physical gold" in your IRA – is that held directly or through a custodian? I'm curious about the logistics there, especially with the high six-figure portfolio you've got.

mark_adams👑Elite (1m-5m)Real Investor•about 2 months ago

Totally get the inflation anxiety, it's real right now. But 15% already in gold for a high six-figure portfolio is a pretty significant allocation, especially for "generational wealth preservation." While gold can be a good hedge, some might argue that over-allocating could mean missing out on growth potential from other assets that historically outpace inflation over the long run, like diversified equities. Just something to consider before going even deeper, especially if you're thinking long-term for future generations.