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My recurring buys in my Roth are 40% VOO, 15% SMH, 15% VXUS, 15% AVUV, 10% AVDV, 5% IAUM. For cash brokerage it’s 40% VTI, 25% VXUS, 20% AVUV, 15% AVDV.
my 401k is half cash (via loan in November) and my gain/loss today across all my own accounts was $53.90. Well, the HSA has a big IAUM position and got worked, but we don't look at that.
SMH SPMO VEA EUAD BLOK / IAUM BRK.B ORLY XLU DBMF, this is my investing protfolio, 50% for attack and others for stable. I'm working on this for 2 years many times modified until last month.
There is no reason in the 21st century to buy physical metal, especially from a retailer turning a profit on the transaction. Just get ETFs like IAUM and SLV.
I have some IAUM in a Roth account. I also have some physical. I purchased the physical through private sales. A mix of r/pmsforsale, a Facebook group I am a part of, and a local coin shop in my town. Costco as mentioned is another good resource.
IAUM is another one. each share is 1/100 of an oz of gold. it’s spot on. but hey, you don’t get that running your fingers through the treasure chest feeling so it’s not for everyone
ETF's. Mostly IAUM. I do need to look into miners.
How about 10-20% in international funds like VTSAX? Slowly investing in gold might not be a bad idea either considering who is in office. I like IAUM, and FGDL as gold ETFs.
Yes, it would almost certainly make sense. It's a 30 bp difference (and hopefully you're holding your gold in a tax-advantaged account since it's not eligible for long-term capital gains treatment in taxable, which would make the exchange frictionless). It's a lot like SPY/SPYM: GLD is older and has an active options chain (GLDM does not have an options chain at all), but for buy-and-hold, GLDM is superior in every way. Also consider IAUM, which has a 1 bp lower expense ration compared to GLDM (though at that point it's splitting hairs).
I actually do believe in MSTR long term I think there is a growing use for bitcoin hope* for bitcoin to take off Too much hopes in the air dude. I am not an expert but I started on small account lost and made money and lost and made money and lost and made. So SPY, QQQ, IAUM, SCHD, SGOV (40%) GOOG, MSFT, APPL, TSMC, META (40%) 10% Yolo on options and 10% high risk high reward stocks. Sell IAUM, SGOV when market tanks and buy other stocks equally. When made money on options during ATH keeps buying SGOV IAUM SCHD. And now my account dosen’t tank abnormally. Hope you do same
Maybe. FWIW I just bought $30K of paper gold (IAUM) because if we do cut rates we're sure to get sticky inflation. We'll see if that was a good idea...
🥭 is gonna bomb Iran in the next 48 hours. 20k in IAUM and 10k in GLD 460c
I'm new to investment as well and consider myself being too late. I DCA IAUM $25, $25 VYMI instead of SCHD and $50 VT weekly on my ROTH IRA. Let's see how it is in a year. 😅
Likely profit taking. I have owned IAUM since late summer, and I wish it wasn't caught up in the crazy swings right now. I digress, but you either sell to take current profits and expect a drop to buy in again. Or you hold today. I am in the latter since the volumes are notably up, the markets are down overall, and it feels like a day to take some profits. Especially seeing 10 million shares traded in a second.
I had a big chunk in OGMIX mid last year and it’s been awesome so far. I’m looking to adjust and do a similar maybe IAUM along with more international.
I use IAUM. Simple to trade and low expense ratio.
Shame you listened to these people, the return on IAUM since this was posted is 56%
Gold miners are actually doing better than gold right now, just making sure you know the difference. I'm in the IAUM ETF, it has the lowest expense ratio.
SIVR and IAUM are carrying the load today but AAPL and GOOGL are also up. Suppose the latter are kinda “safe haven” assets in the same basket as the former?
Yup I use IAUM and SIVR. Minimal expense ratios compared to others and they appear to be physically backed. Depends on how much you trust them to actually hold the metals.
Those are all fine ETFs. For 20+ years of anything, my first focus would be on the expense ratio. If I were you, I'd check out GLDM or IAUM for gold. For silver, I'd check out SIVR. It has a lower expense ratio and the silver is physically backed in a vault in London.
Time for me to buy, maybe? I’m rarely right about stock picks. SLV and IAUM have been good to me this last month.
IAUM for even lower expense ratio (and lower liquidity) gold, good for long term hold
all G20 countries are running fiscal deficits and printing money consider IAUM for gold exposure, cheap gold ETF by Blackrock, or RING for extra juice with gold miners
IAUM does not have any distributions listed on its page. https://www.ishares.com/us/products/306979/ishares-gold-trust-micro#/ (under "Performance")
I would buy investment-grade bullion gold and silver but it is not convenient for me at the moment, so I have part of my portfolio in physically backed gold and silver ETFs. For gold, my choice is IAUM, the lowest expense ratio out there, 0.03% For silver, SLV, one of the most common out there.
Not too late to get in on IAUM my friend
I hold IAUM as well and to me this is all BULLISH 🚀
CERY GLTR IAUM. Around 2% each.
No. There's a lot of money sloshing around that could continue to slosh around. Consumers at the top end of the K-shaped economy could keep powering things while the bottom end of the k-shape hang in enough to keep growth going. The Fed could keep cutting without antagonizing inflation enough that they end up having to reverse course. And inflation itself could, of course, continue to help growth, even if that's a bit of a tough pill to swallow for obvious reasons. And maybe the housing market even recovers. OR The consumers at the top of the K shape get a little defensive while those at the bottom start to crack under pressure, and consumer spending dips below the rate of inflation--or worse, into the negative. The Fed keeps cutting (which I should point out, while it can be bullish in the short term, the stock market also tends to do poorly after the Fed starts cutting because, well, the Fed's cutting for a reason) and then antagonizes inflation enough that they have to reverse course and start raising rates, spiking growth. The housing market could continue to just stay in its years-long freeze, which itself can cause problems--or it could markedly decline, which would cause a lot of problems(though it's also not a bad thing long term for housing to become more affordable). And of course, unmentioned in all this is the massive amount of debt everyone's in and the elevated rates of defaults we've seen, which are always a worry. So is there a growth case here? Of course. I just don't think the skies ahead are bright blue, either. Either way, I cashed out my bond funds at the end of December to buy Apple and IAUM. So I'm playing both sides of it and am prepared to both profit and go harder in either direction if one side of the bet fails.
$SPPP has both Platinum and Palladium. Glitter ETF has all 4 GLTR. I suggest IAUM for a cheaper GLD ETF and SLV and say 10% SPPP. PPLT is platinum with options.
If one thousand dollars is all the savings you have, then I suggest keeping it in a money market fund for emergencies. The fund I recommend is VMFXX which you can buy at Vanguard. You don't even have to buy it, you can just designate VMFXX as your settlement fund after you open a Vanguard account. If you are starting an investing journey, and you plan to gradually build up a small portfolio, then I suggest the following simple asset allocation which you can set up in 15 minutes at Fidelity or Schwab: 34% SGOV - treasury bill (30-90 day government bonds) ETF 33% IAUM - physical gold ETF 33% VTI - broad US stock market ETF You can buy fractional shares to make the percentages work out. This portfolio returned 8% annually for the last 30 years, with limited drawdowns and volatility. Occasionally, when one of the asset classes goes significantly out of whack, you'd need to rebalance.
That's why you buy IAUM in your Roth IRA and avoid taxes.
It does not matter how much you "love" or "trust" your adviser. The relevant question is, how much value do they add? How does the performance and risk profile of your adviser-managed portfolio compare to something simple like: 60% broad stock ETF (VOO, VTI etc) 40% t-bill ETF (SGOV, VBIL etc) --- OR --- 60% broad stock ETF 20% t-bill ETF 20% gold ETF (SGOL, IAU, IAUM etc) PS: I outgrew my adviser five minutes after I read one thin little book twenty years ago: "Fail Safe Investing" by Harry Browne.
I have IAUM for gold and yes, I would probably start with IBIT at some point.
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.