Thinking about Palladium for my IRA? Anyone else gone there?

Ruth Perez

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Thinking about Palladium for my IRA? Anyone else gone there?

ruth_perez📊Growing (50-100k)

about 21 hours ago

Key Takeaways

•So, I've had my Gold IRA for about three years now – started with about $60k and it's sitting closer to $75k these days, which I'm pretty happy with.
•I'm a government employee here in Albuquerque, so obviously, I'm thinking long-game with supplementing my pension when I eventually retire.
•I've been pretty focused on gold and a little silver, but lately, I've been seeing more talk about palladium.

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So, I've had my Gold IRA for about three years now – started with about $60k and it's sitting closer to $75k these days, which I'm pretty happy with. I'm a government employee here in Albuquerque, so obviously, I'm thinking long-game with supplementing my pension when I eventually retire. I've been pretty focused on gold and a little silver, but lately, I've been seeing more talk about palladium.

My initial thought is to diversify a bit more, and palladium seems to have some interesting industrial demand attached to it that gold doesn't quite have in the same way. I'm wondering if anyone here has added palladium to their actual IRA? Not just general investing, but specifically rolled it into their retirement account. What was your experience like with the custodians, and did you feel like it was a good move for your portfolio in terms of the precious metals allocation?

I'm trying to figure out if it makes sense to maybe peel off 10-15% of my current gold holdings to grab some palladium, or if I should just keep adding new contributions to it. I usually sock away a few hundred extra bucks each month into the IRA, so it wouldn't be a huge chunk at once. I'm just a little nervous about getting into something new for my retirement funds. I used that Gold IRA Calculator the other day to project out my gold returns, but it obviously doesn't factor in palladium specifically. Maybe that's a good sign that it's a bit more niche?

Curious what others' thoughts are. Is it just too volatile for an IRA, or is the diversification benefit worth the extra legwork? Also, any specific companies you'd recommend or warn against when dealing with palladium for an IRA? Thanks for any insights, folks.

5 comments

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Best Answer▲ 9 upvotes

linda_taylor📊Growing (50-100k)

Hey, that's awesome to hear about your Gold IRA growth! It's smart to be thinking about diversifying with palladium, especially given its industrial uses. One thing to keep in mind is that while palladium is IRS-approved for IRAs, you'll want to make sure you're buying investment-grade palladium with a purity of .9995 or higher.

You can find a list of approved palladium products on the IRS website, or a lot of the reputable gold IRA companies will have that info readily available. Good luck with your research!

Comments (5)

linda_taylor📊Growing (50-100k)✓ Verified•about 16 hours ago

You can find a list of approved palladium products on the IRS website, or a lot of the reputable gold IRA companies will have that info readily available. Good luck with your research!

william_davis💎Premium (500k-1m)Real Investor•about 16 hours ago

Hey, that's awesome your Gold IRA is doing so well! I actually looked into palladium a while back for a similar reason – wanted to diversify my precious metals a bit beyond just gold and silver. My advisor walked me through some of the pros and cons, and I ended up putting a small percentage in. It's been interesting to watch, definitely more volatile than gold, but it's held its own for me so far.

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•about 16 hours ago

Hey, that's some solid growth on your Gold IRA! Congrats! Super interesting you're looking at palladium. Are you planning to add it in addition to your gold, or are you thinking of diversifying by swapping some of your current gold holdings for palladium?

gary_stewart📊Growing (50-100k)•about 16 hours ago

Okay, 75k from 60k is solid returns, congrats! But honestly, thinking about palladium for your *IRA*? Seems like a pretty niche play for retirement savings. Gold and silver are the well-trodden paths for a reason – they have deeper markets and are generally more liquid if you ever need to access the funds. Palladium's super volatile and industrial demand can be a wild card. Just something to consider before diving in.

jennifer_martinez💰Established (100-250k)Real Investor✓ Verified•about 16 hours ago

Totally agree with the long-game thinking, especially with a pension involved. That $15k gain is solid too!

I started my Gold IRA around the same time, maybe a few months later, with $50k. I'm up to about $62k now. I've been eyeing platinum myself, but palladium definitely has an interesting industrial demand aspect. Curious to see what others say about it.

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