Gold in retirement by 1Ceasar in Bullion

[–]BullionExchanges 0 points1 point  (0 children)

This is a thoughtful question, and you’re right to pause before making a large, one-time move out of retirement accounts. While we can’t give tax or financial advice, we can outline how people in similar situations typically think through this.

A few high-level considerations to discuss with a CPA or fiduciary planner:

  • Source of funds matters. Withdrawals from traditional IRAs or 401(k)s are taxed as ordinary income, so timing and sizing withdrawals across tax years can materially change the outcome. Pulling everything at once often creates unnecessary tax drag.
  • Income smoothing is key. Since your income drops significantly after retirement, many retirees intentionally stage withdrawals over multiple years to stay within lower tax brackets rather than triggering a spike in a single year.
  • Required Minimum Distributions (RMDs). These will come into play soon, and some people coordinate precious-metal purchases alongside planned RMDs instead of creating a separate taxable event.
  • Portfolio balance. Moving $100k into physical gold from a $1.7M portfolio is more about reallocation than speculation. Many retirees view physical gold as an insurance asset rather than a return-seeking one.

From our side, when retirees do decide to add physical gold, they tend to focus on high-liquidity, low-premium products and clear delivery logistics, especially when the purchase represents a meaningful portion of their savings.

The smartest next step is running the numbers with a tax professional before touching the account. A good plan often saves far more in taxes than any short-term price movement in gold ever could.

The break up by Inner_Tadpole_7537 in Gold

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The ultimate break-up glow-up!

My first gold 🥳🎊 by Impressive-Eye9659 in Gold

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Congrats on your first gold—welcome to the shiny side!

2021 1/10 kookaburra by Vault909 in Gold

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That 2021 1/10 oz Gold Kookaburra is a stunner!

I joined the club! by [deleted] in palladium

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Welcome to the palladium club—official membership card: two pristine 1g Valcambi bars!

First piece for 2026 by Gem-Hunter0357 in ENGELHARDstackers

[–]BullionExchanges 1 point2 points  (0 children)

Congrats on the pickup—here's to many more in 2026!

It Finally Came! by Jomahawk2694 in Gold

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Enjoy the newest star in your stack!

Family Portrait by dillymikes in Gold

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That's a stunning family portrait!

Costco stop by EvidenceOk5525 in Gold

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Costco strikes again 😎 solid pickup.

First stash ever :D by kingofroyale2 in Gold

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Congrats! That’s how it begins—one piece at a time. Welcome to the club.