Worried about inflation, considering adding more physical gold to my IRA

Diane Bailey

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Worried about inflation, considering adding more physical gold to my IRA

diane_bailey💰Established (100-250k)

3 months ago

Key Takeaways

•Been seeing a lot of chatter lately about inflation, and honestly, it's got me thinking about my portfolio.
•I've had a Gold IRA for a few years now, maybe 15% of my overall ~$200k portfolio is in it, and it's always been my go-to for wealth preservation.
•My initial investment into physical gold for my IRA was back in 2020.

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Been seeing a lot of chatter lately about inflation, and honestly, it's got me thinking about my portfolio. I've had a Gold IRA for a few years now, maybe 15% of my overall ~$200k portfolio is in it, and it's always been my go-to for wealth preservation. As a small business owner in Savannah—tourism is always boom or bust depending on the economy—I've ridden enough waves to know that diversification is key, especially when things feel a bit uncertain.

My initial investment into physical gold for my IRA was back in 2020. I felt pretty good about it then, and it's certainly held its own. Now, with prices seemingly doing nothing but going up everywhere you look, from gas to groceries, I'm seriously weighing whether to increase my allocation to precious metals. I'm thinking of adding another $20k-$30k, maybe even dip into some of my more aggressive stock holdings that feel a little overextended right now.

My question for all of you more seasoned investors out there: What are your go-to strategies for using gold specifically as an inflation hedge? Are you just holding physical in your IRA, or are you looking at other avenues like gold mining stocks or ETFs? I've always preferred the tangible asset, but curious if others have found different approaches to be more effective in the current climate. I want to make sure I'm not leaving any opportunities on the table.

Also, any thoughts on timing right now? Is it smart to buy more while inflation is clearly ramping up, or wait for a potential dip (if such a thing is even likely)? My gut says buy sooner rather than later, but it's always good to get some outside perspectives.

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6 comments

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Best Answer▲ 10 upvotes

diane_bailey💰Established (100-250k)

Totally get where you're coming from. I was in a similar boat last year when the inflation numbers started looking gnarly. Ended up bumping my gold IRA allocation to about 20%. So far, no regrets, it's felt like a good hedge. Good luck with your decision!

Comments (6)

diane_bailey💰Established (100-250k)Real Investor•3 months ago

ruth_perez📊Growing (50-100k)•3 months ago

Totally get the inflation worries, it's a hot topic for sure. When you say "adding more physical gold," are you thinking about buying more coins/bars that are already eligible for an IRA, or are you looking into other forms of physical gold, like maybe some certified numismatic coins?

ronald_morris👑Elite (1m-5m)Real Investor•3 months ago

I hear you on the inflation fears, it's definitely a topic that's been on everyone's mind. While gold has historically been seen as an inflation hedge, I wonder if putting *more* into physical gold right now is the best move. With interest rates rising, some of those "safe haven" assumptions might not hold as strongly as they used to. Diversification is key after all, and sometimes that means looking beyond the traditional.

kenneth_parker💎Premium (500k-1m)Real Investor✓ Verified•3 months ago

Totally get where you're coming from with the inflation worries! Gold's definitely a classic hedge. Since you're looking to add more, have you checked out World Gold Council's Gold Demand Trends reports? They give some really good insights into the market and what's driving demand, which can be helpful when deciding on allocation percentages.