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I have IAUM too. Lowest expense ratio out there among gold ETFs. $% of my portfolio is IAUM. I plan to expand it to 10%.
I agree with you and thats why my second biggest holding is IAUM. This was obvious to me back when Trump started his tarrif nonsense half a year ago ish
Why phys over something like IAUM or gldm? Is the higher expense ratio on phys worth the slightly better tax treatment?
you list 5 funds that are all just levered plays on FIAT, in the four equities they all go up with increasing inflation while the BND goes down. This is a risky play, perhaps add 20-30% IAUM like Morgan Stanley is recommending now.
GLD and IAU are the same as GLDM and IAUM but more expensive to hold
Gold isn't an investment, it's a hedge. Personally, I keep about 1-3% in gold (IAUM) in each of my accounts.
You wanna go with physically backed ETFs. Basically, on the fund’s website, look for a daily bar list (serial numbers) and a named custodian or vault. If those aren’t there, skip it. Example: GLD (biggest) : https://www.spdrgoldshares.com/usa/gold-bar-list/ IAU (lower fee) : https://www.ishares.com/us/products/239561/ishares-gold-trust-fund Both are probably the best picks for a gold ETF. Lowest fees would be IAUM. For silver, go with SLV (biggest), or SIVR (lower fee).
100% ETFs. 92.5% equity ETFs. 7.5% physical gold ETF (IAUM). The equity ETFs (as a % of total portfolio): 52.5% S&P 500 market weighted (SPYM). 10% percent S&P 500 quality (QUAL). 10% mid-caps (SPMD). 5% small-caps (IJR). 15% broad internationals (VXUS).
GLD and GLDM are both 100% backed by physical gold, even kept in the same JP Morgan vault in London. GLDM just has a cheaper share price and much a lower (0.10 vs 0.40) expense ratio. IAUM is another one, with a very-slightly lower expense ratio (0.09) There's no more efficient way to gain exposure to gold than physical gold ETFs like the above. There are more heavily-leveraged ways to do it with gold futures, but if you want to hold for a long time, you'll have to deal with roll costs because gold is usually in contango. The same applies to gold futures ETFs. It might make sense if you're holding them in a taxable account since gold isn't eligible for long term capital gains treatment (instead you pay at the collectible rate: your ordinary income tax rate capped at 28% if long-term, otherwise at the ordinary income tax rate if short-term), while gold futures are always taxed as 60% long-term & 40% short term. But in a tax-advantaged account, physical gold is a better alternative in my view.
This is considered a sharp drop? Maybe I am just too new at this. But none of them fell that much except TSLA which does tend to rise and fall 1-2%. There really wasn't a drop today in my stocks. Sure my BITB and IAUM fell a little, but NVDA and GOOGL both jumped pretty big. And the rest all went up, except s&p and total us which only fell a few cents.
IAUM for IRA & ROTH and physical gold.
Who would have thought IAUM(gold) would be outgunning BTC for 2025 thus far.
IAUM is cheaper to hold - can’t see any reason why to pay more for GLD 🤷🏼♂️
Gld for short term and options. IAUM for long term hold I think?
Why buy GLD instead of IAUM?
I did it during liberation day and would lost much more with VTI than I would with IAUM
Yeah. I do IAUM for the expense ratio.
There are cheeper ones like IAUM maybe you could get
> You can’t just snap your finger and flip VOO to IAUM without taxes being involved Depends on where you live etc. Where I am from there is no such thing as short/long term gains and timing of seeling and buying doesn't matter. But to be clear, I am not telling people to sell. I am just saying that "you never lose if you never sell" is just nonsense. If you buy into a bad company that go bankrupt you definitely lose. Or even if it doesn't go bankrupt but it is doing bad it may never reach the stock price that when you bought in. That is still a loss! Something more reasonable is "the overall market tend to go up so having as much money in the market for as long time as possible will maximize your expected gains".
IAUM instead of GLD foe expense ratio
Hell yeah! I ended up doing about 25% in IAUM and it's been saving my ass so far! Glad it's working for you as well!
I'm currently about 65% VOO, 17% IAUM, 17% EZBC. I tested this mix out and it's pretty solid so far. Even though stocks and bitcoin are rough today due to tariff news, the gold ETF provided some cushion due to being completely unaffected and went up in value. I'm not a pro but this seems like a good mix for me being 25. $300 a month for the next 40 years in my Roth.
Yeah exactly, the .09 ER for IAUM is less than a quarter of the ER for GLD.
Just curious why IAUM? The lower expense ratio? I would want to get out of GLD but I don’t want to book the gains.
I’m at about 30% gold allocation in IAUM, 15% crypto FBTC and FETH, the remaining 55% is S&P500
IAUM is the better play.
I will preface this with saying that I do hold quite a bit of physical gold saying you will only get 80% of spot is incorrect. Most stores are paying 1-2% off spot. I would look into IAUM and SLV if you want to hold gold and silver in your portfolio and not want to deal with physical gold.
Moved 6% of my current portfolio into IAUM earlier today
* 28.96% XEF.TO, iSh Core MSCI EAFE IMI Idx ETF * 23.46% XIC.TO, iShrs Core S&P/TSX CC Idx ETF * 11.82% HXT.TO, GlobalX S&P/TSX 60 Idx Crp * 9.75% ZEM.TO, BMO MSCI Emerging Mkts Idx ETF * 9.10% VDC, Vanguard Cnsmr Stp;ETF * 7.49% BRK.B, BERKSHIRE HATHAWAY INC. * 5.12% ZAG.TO, BMO Aggregate Bond Index ETF * 4.04% IAUM, iShares Gold Trust Micro Any suggestions for further diversification? I would like to reduce my Canadian exposure a bit since when the US markets finally crash, it will take Canadian markets down with it. I'm about 40% Canadian, 30% Developed Non-NA, 16% American (Defensive), 10% Emerging Markets, 4% Gold, currently.
Consider adding IAUM to my portfolio
VTI VXUS IAUM Individual Stocks/Crypto
Just out of curiosity why you invest in GLD over something like IAUM? I get that there is a difference in volume but I feel like the lower expense ration is worth it.
"Who do you think you are?" "IAUM"
+1 I'm parking in IAUM (gold) for a bit
that's actually not true. GLD has outperformed SPY even with dividends re invested in over 20 years. a metal has beat out americas top 500 equities... our economy is only getting worse and it will get worse no matter who gets elected. so physical gold, gold proxies like GLD, GLDM, IAU, IAUM, gold equities (mining, streaming, royalty companies) will always be a great buy. people can deny it all they want.
How do those differ from their “M” counterparts GLDM and IAUM?
Last week I bought $2000 VOO, $2000 IAUM and $1000 BTC, my first bitcoin purchase. I'll DCA into these 3 until years end. I could really use a financial advisor but I've got trust issues.
Ordinary people should be using IAUM, it's similar but has a lower expense ratio
I have a decent percentage parked in IAUM.
I'm up almost 14% YTD. But inflation has been persistent, jobs numbers are looking bad, and the Fed's stuck in a bind. Credit card defaults and auto defaults are nearly at ATH, and we've got whatever this trade war's gonna do. So everything's either bad or uncertain, with the exception of recent GDP numbers. I bought down in the bear market this year, so that's why I've taken off pretty hard this year. I'm back to putting into BNDW and IAUM for now, as well as ForEx ETFs. Just socking money where it can still make a middling return and refusing to buy the S/P or Dow this high up until conditions improve.
It’s awesome that you’re thinking about putting those small savings to work. VT is a one‑ticket ride to the global stock market—it holds thousands of companies from the U.S. and abroad, so it grows along with the world economy. IAUM is a micro gold trust; gold doesn’t produce earnings or dividends, it just sits there as a store of value. It can be a good diversifier, but over the long run stocks have historically outperformed metals by a wide margin. If you’re putting $100 here and there, a low‑cost index fund like VT (or VTI/VXUS combo) makes more sense than betting on gold. You can always add a sprinkle of gold later if it helps you sleep better, but keep the core of your portfolio in equities. Also make sure you have a small emergency fund in cash so you don’t have to sell investments at a bad time.
That's a pretty wild set up! The single largest us stock + the rest of the world besides US. I'm doing something weird with my Roth, I'm doing 60% VUG 10% VXUS 10% IAUM (gold) 10% in HODL (bitcoin) I figure that's four uncorralated assets, that are all pretty much guaranteed to grow. Seems like money flows from one assest to the other along the way. Gold and Ex-US seem to inverse the top US Stocks, while bitcoin is just a Rollercoaster that seems like its still on its way up before the big drop off. 🎢 📉📈📉📈📉
Thanks for the advice, I wish I had started sooner. I never learned anything about investing from my parents or school. Seems like an important subject, surprised investing isn't taught in high-school. I only ever heard about the stock market crashing so I assumed it was a huge risk to ever put money in. Better late than never I suppose, and if I die before retirement, I'll have the peace of mind that my wife will have some money to take care of herself. I have another 3k I plan to invest in the roth this year, but I will try to put more. I'll do some more research and dollar cost average in. I'll probably be putting most of it in VOO with a little bit in IAUM. I really really appreciate the advice.
Too much gold. 30% IAUM is a huge bet on something that produces nothing and drags long-term performance. VOO is solid, but you're missing international exposure entirely. I’d drop IAUM to <5% (if any), maybe add VXUS or similar. Here's a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/79283a20b7/
If you wanna be more aggressive, get SPMO for US equity and IDMO for international equity. The momentum tilt spices things up. Consider some FBTC. Bitcoin appears to be here to stay, like it or not, so if you buy in a Roth I recommend Fidelity’s offering. They actually hold their own BitCoin and don’t rely on a third party for it. Other considerations would be AVUV for small cap value. This ETF is something of a unicorn, they manage to get good results from otherwise overlooked small stocks. It’s been beaten down this year, which means it’s a buy opportunity. In addition to international broad indexes, I also hold FLIN for India equity. I genuinely believe in continued growth in India, and most indexes seem to be underweight for that country. If there are other regions you feel strongly about, check out other regional offerings from Franklin Templeton. Any commodities you feel strongly about? You could buy IAUM for gold, or ICOP for Copper Mining. Feel bullish on semiconductors? Check out SMH or SOXX.
Yes I think it is, Ive been buying IAUM recently and will add more. Its a good diversifier
If your interested in gold exposure, put 2-3 percent of your Roth IRA in IAUM. It has a low expense ratio, you can buy in small quantities, and you will not get hit with the 28% tax on gains.
I would dump FXNAX, and add FBTC and IAUM
> Gold : i take Genesis minerals, the stock is dropping too while gold begin its rally. Why ? i don't know... Well you picked a stock in a company which operates exclusively in one region, and its performance is going to depend on the output of a limited number of assets in this one specific place. You invested in a company. If you actually want to invest in gold then you go with something like IAUM.
Equities, treasury bonds, gold, and managed futures (optional) You’ll want a diversified bundle of each, so ETFs are your best option. VOO, ZROZ, IAUM, CTA are my suggestions. Perhaps 70% 10% 10% and 10% will be a good allocation for you. You can reduce equity exposure if you want less volatility but this comes at the cost of lower expected return.
Bought SOFI around 5. It's been a wild ride, but that ride has been "how much green?" instead of "will I go green?" Also, over the past few years, gold. I hold IAUM and actually dumped VOO in Feb to get into gold, then bought back in around the bear market in April. One of the best moves I've ever made, especially since gold's been on an insane run for the past three years. It's not good for the economy, gold shouldn't do that, but it's been good for me.
That's why you pick quality companies and maybe one or two riskier/play ones. Only keep no more than 5-6 stocks otherwise you can't keep up with them all. I have VOO, QQQM, IAUM and then 4 stocks, Costco, GE, Meta, PLTR and am doing just fine. Slow and steady...remember that. You pick risky stuff and get greedy, you lose.
IAUM - gold CTA/KMLM/DBMF - managed futures TLT/ZROZ - 20+ year treasury bonds
TGT has turned the corner. Also great dividend. Also, Oklo. Nuclear power. I guess still tech Copper Gold. IAUM Banks. C.
I sold about half of my holdings 2/3 the way down after L-Day. I was 100% US equities. I am now about 30% US equities and 30% international — VXUS mostly, but ~4% FRDM (liberty emerging markets), ~3% EUAD (Euro Defense), ~1% each in FLMX (Mexico), FLIN (India), and VNM (Vietnam). I am ~5% IAUM (gold) and ~36% cash or treasuries.
I personally allocated TQQQ, BTC, CTA, and IAUM for my baby. TQQQ and BTC for capital appreciation and CTA and IAUM to hedge.
I want a monthly dividend with a better than even chance of the value going up over time when it comes to IAUM. I hadn't looked at SGOV and I will add it to what I buy tomorrow. Converting another small savings into steady dividend to payback into my main savings.
Good move. I’ve had the same setup in my retirement account since early April. VXUS, IAUM, and PSLV.
What's the difference between IAU and IAUM?
Got my IAUM position, so bring it on.
My personal allocation for my baby is 40% TQQQ, 40% BTC, 10% IAUM, and 10% CTA. 120% equities, 40% Bitcoin, 10% gold, 10% managed futures. Very aggressive yet low beta strategy with 4 asset classes. Rebalanced quarterly
If you’re able to stay unemotional while investing, pull out of the fund to save yourself the 1% fee which is huge. Standard investing practice is to be well diversified. Majority VOO for equity exposure, some IAUM for gold exposure to hedge against downturns, CTA managed futures as a hedge, and BTC/IBIT for crypto exposure and diversification. You can set your own allocations but personally I would do 60/10/10/20.
I feel lucky to be in brokeragelink. I'm spread out in IAUM, EUAD, EUFN, some real estate shit, and foreign markets. Would suck if I had like 2 mutual funds to choose from (wife's 401k).
Why not put in IAUM and SGOV?
IAUM rising a bit today I think people are going back to cash and gold
Idk sold all my TSLA and moved to KO, MCD and IAUM and am buying more of each
KO, MCD, IAUM ride wit me
Buying lots of KO, MCD and IAUM this dip is too irresistible
Sold all of my VUG and traded into IAUM.
Whether or not gold is a buy or sell right now, get it in an ETF like IAUM. There is no reason to go through the hassle of getting physical metal.
US, early 30s. Individual brokerage account aimed at long term horizon (have separate 401k heavy on s&p500). Please rate my ETF portfolio which currently has an even spread of the following. What can I do better? Any other market sectors I should look into? Thanks! XME XAR VIS VDE VDC VB VOO SMH IAUM SIVR
IAU and IAUM are basically the same thing other than the expense ratio and size. They are run by the same people with the same investment objective, just not for the same customer base. IAU is bigger and more actively traded, so it's more liquid (and volatile). It's meant for trading. IAUM is more meant for buy-and-hold investing.
IAUM. Even better expense ratio.
Thanks that was very helpful! So I dug further and I found out there is also smaller version which are GLDM/IAUM, I can afford GLD/IAU but GLDM/IAUM's expense ratio is lower, I plan to hold it for long term and not going to trade it, so anything wrong with buying the M versions when I can do the regular GLD/IAU versions? And won't everyone just buy more shares of the M version since the expense ratio is lower? Am I missing something
I have enough money for IAU, but IAUM's expense ratio is lower, so should I go with IAUM/GLDM/etc? or is there other reason to go with IAUM when you can afford IAU?
I don't think the bull run will end anytime soon. Real wars, and trade wars, are emerging all over the world. In a destabilized world, gold offers stability. I suspect some new currency, based on gold, is going to replace the dollar as reserve currency. IAUM is the best choice IMO.
lmao gold's already up 28% this year and hitting record highs. The trade war nonsense and Trump's idiotic tariffs definitely helped push it up. Gold's RSI is at 77 rn which means it's super overbought. For alternatives check out GLDM and IAU - they're basically the same thing as GLD but with lower expense ratios. IAUM is good too if you want smaller share prices. Just don't go too heavy into precious metals. Keep it to like 3% of your portfolio max. The smart play is to wait for a pullback before buying in since everything's so overheated right now.
Split between IAUM and CTA
IAUM, FXE, FXJ, FXF, SGOV. That's my entire portfolio. I'm in preservation mode. I keep thinking I'm making money, but what my portfolio truly reflects is how quickly the value of the dollar is dropping.
I’ll look into IAUM. Good notes on the others. For the near term, I’m less interested in growth and more interested in stability and independence from the USD, which is why I like FXF. I’m not sure if the FXE increase is a temporary move or not. We’ll see what happens with tariffs.
IAUM for gold has a lot lower fees. FXF isn't performing very well when compared to FXE and FXJ. I'm thinking of moving my FXF to IAUM which is moving up much more quickly.
I started looking into those assets myself like a week or two ago. Across Fidelity accounts, I have: * Gold: IAUM (has lowest fees) or GLD for commodity exposure. I bought some IAG for mining back in Nov and it's up 45%; still seems cheap based on fundamentals * Swiss franc: FXF * Yen: FXY * Silver: SLV, but I didn't buy any because silver tends to correlate more with market performance, which is kinda what I was hoping to avoid
I’m invested in 4 asset classes now lol XLV, IAUM, CTA, and VGIT Healthcare sector equities, gold, managed futures, and medium term US treasuries. Basically a bulletproof portfolio. Stock market implodes? Gold and managed futures skyrocket. Gold implodes? Usually means equities are doing well. VGIT just there for the moral support. Everything implodes? Shit I guess my $1000 in ammo will have to last me lol