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How to Incorporate Precious Metals in Your Retirement Portfolio

A person searching for a precious metals dealer online to open an IRA account.

The promise of a luxurious and extravagant life lures a lot of people to the stock market. However, for those looking to establish set up their retirement funds investing with reckless abandon on a single risky asset isn’t a wise strategy. This is why they need to explore more stable asset classes. One proven method to protect your nest egg is by investing in precious metals. 

If you have little experience with retirement planning or investing in general, making investments inprecious metals can seem difficult. This guide will make the process of diversifying your portfolio seamless and cover everything you need to know. 

How Precious Metals Help

Store of Value

When you’ve invested in stocks, a downward fluctuation will lead to the value of your assets going down. This means you will have fewer funds when you retire. The prices of precious metals such as palladium, gold, silver, and platinum don’t fluctuate as much as stocks, bonds, and even crypto.

Gold and silver coins were used by ancient civilizations as the mode of payment for goods and services and this confidence in them exists today as well. Whenever there’s a financial crisis, investors revert to them. In places such as India and the Middle East, people still store gold in their homes as they believe its value will not depreciate faster than the paper currency investments in the bank accounts.

Precious metals also have real practical applications and are used by various industries to build their products. For example, silver is used in the electronics industry while platinum has applications in the automobile sector.

You can protect your portfolio’s value andretire comfortably to live the life you want if you invest in precious metals.

Help Diversify Risk

Stock markets have been performing poorly due to a series of events such as the pandemic and Russia‘s invasion of Ukraine. Currently, stock markets are losing momentu and the biggest casualties have been hardworking retireesthat have ended up losing an unprecedented 3 trillion dollars.  

Incorporating precious metals in your retirement portfolio adds stability to your finances. So if you have assets in your portfolio that are losing value,on the flip side you have precious metals that are doing well. This can cancel out the fluctuation. This helps balance the portfolio and diversify risks. This ensures you won’t have to worry about the future of your financial security when you’re older.

A person searching for a precious metals dealer online to open an IRA account.

So How Can You Incorporate Precious Metals in Your Portfolio?

Make a Plan

The first thing you need to do is understand the current allocation of your retirement fund. If a financial manager has been making investment moves on your behalf, you need to contact them to learn about your current holdings. Only then can you make the adjustments you need to.

Investment gurus used to advise having a 50-50 split between stable assets and high-risk assets.  However, a lot of experts have since then revised their investment strategy. With the way markets are functioning now, the majority of a portfolio should have stable assets.Now it’s advisable to invest less than 50% of your current finances standing in stocks, real estate, and bonds. Liquidate the value of the remaining assets and contact a precious metals exchange to buy assets such as gold, silver, palladium, and platinum.

An investor looking at market indicators

Precious Metals IRA

If you have invested in a traditional IRA that only allows you to invest in stocks and bonds, you need to roll it over to a precious metals IRA. This will help you get the advantages of a traditional IRA but with the increased protection that precious metals bring. Contributions to the account are tax-deductible and will continue to grow without being taxed till you decide to make the withdrawal. A reliable company with an in-house IRA department can take care of the paperwork for you.

Physical Bullion

If you don’t want to deal with an exchange on an ongoing basis or worry about counterparty risk,you can choose to invest in physical bars and coins. When things start to get tough financially, institutions have a reputation for throwing their clients under the bus. In the crash of 2008, people saw the value of their funds invested in CDOs go down the drain and whole institutions go bankrupt.

When you have physical gold and other precious metals, your financial future is a little more controllable. However, you need to ensure you deal with a reliable exchange that offers insured delivery of certified precious metals to your home. Make sure the assets are stored in a secure safe. A strong storage box made of thick steel and both water and fireproof offers superior protection. If you live in an area prone to burglary, get creative on how you can hide your safe in your home away from prying eyes.

You could also consider storing them in a commercial depository. These commercial depositories have the latest security systems as well as the personnel to vigilantly look after your prized possessions. They are also insured for added protection.

Gold and platinum bars

Select an Affordable Precious Metal Exchange

Searching for a reliable precious metals investment dealer? At Orion Metal Exchange, we help investors buy the finest gold, silver, palladium, platinum bullion, and coins so they can set up their retirement funds with ease. We have an A+ BBB rating and a 4.9 rating on Trustpilot. Our in-house IRA department helps people set up their precious metals IRAs and diversify their investment portfolios.

See what our customers have to say about us on Trustpilot. We also help with precious metal storage options. 

Get in touch with us now to learn more about our services.

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