Thinking about Palladium for my IRA - anyone here actually using it?

• •Okay, so I've been doing a lot of deep dives lately, looking at how to further diversify my retirement holdings.
• •Most of my portfolio is pretty standard – a good mix of stocks, bonds, and then some of the precious metals I hold in my Gold IRA.
• •I'm an insurance agent here in Omaha, so I’m all about managing risk, and the precious metals piece fits that philosophy well.

Okay, so I've been doing a lot of deep dives lately, looking at how to further diversify my retirement holdings. Most of my portfolio is pretty standard – a good mix of stocks, bonds, and then some of the precious metals I hold in my Gold IRA. Currently, that IRA is sitting around the $180k mark, and honestly, the stability it’s provided, especially with all the market weirdness lately, has been a huge comfort. I'm an insurance agent here in Omaha, so I’m all about managing risk, and the precious metals piece fits that philosophy well. I used that Gold IRA Calculator on Gold IRA Blueprint a few times to project out different scenarios, and it really helped me visualize the long-term growth potential.

I've been hearing more and more about palladium, and it's got me thinking. The industrial demand seems strong, and it's obviously a much rarer metal than gold or silver. My concern is volatility. Gold and silver, yeah, they move, but palladium seems like it could have some wilder swings. Part of me is just looking for that extra edge, that potential for high growth if things go right, but then the other part of me, the insurance agent specifically, is screaming "don't mess with a good thing" if it introduces too much risk.

Has anyone here actually invested in physical palladium for their IRA? Like, what's been your experience with it? Did you jump in with a small percentage, or did you go for it? I’m talking about actual physical palladium, not some ETF or mining stock that tracks it. I keep seeing articles touting it, but I’d love to hear from real people who have actually pulled the trigger. Was it worth the effort of finding a custodian and the higher premiums/spreads?