Anyone else shifting focus to silver as their IRA matures?

Joshua Phillips

Back to forum

🔄 Rollover

Anyone else shifting focus to silver as their IRA matures?

joshua_phillips🏆Advanced (250-500k)

about 2 hours ago

Key Takeaways

•Been thinking a lot about my precious metals strategy lately, specifically regarding my IRA.
•Got about $400k in there now, mostly in gold initially, which has done pretty well for me over the years.
•Coming from the steel industry in Birmingham, I understand commodities and the value of hard assets.

Compare top Gold IRA companies — free

Been thinking a lot about my precious metals strategy lately, specifically regarding my IRA. Got about $400k in there now, mostly in gold initially, which has done pretty well for me over the years. Coming from the steel industry in Birmingham, I understand commodities and the value of hard assets. Always saw gold as the ultimate safe haven, especially with all the economic uncertainty we’ve been facing.

But lately, I’ve been stacking a lot more silver – both physical outside the IRA and eyeing more within it. I’m thinking about the future, specifically when those RMDs start kicking in. Gold is great for stability, but silver feels like it has a lot more upside potential right now, especially with its industrial applications. I know it's more volatile, but I’m young enough that I can still stomach some fluctuations. Anyone else feeling this pull towards silver as their main precious metal for the long haul, especially as their IRA gets closer to that RMD age?

I’ve been using that RMD Calculator at Gold IRA Blueprint to map out what my distributions might look like down the road, and it’s really got me thinking about maximizing growth now. That way, when it's time to start taking money out, the overall pie is bigger, even if silver has its ups and downs along the way. Planning on taking some profits from my gold position and rotating a portion into silver within the next year or two, maybe 20-30% of my metals allocation. What are your thoughts on this strategy? Am I overthinking the silver upside?

3 comments

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →

66 people viewed this today8 members requested a free kit this week12 investors bookmarked this

Best Answer▲ 10 upvotes

helen_turner💰Established (100-250k)

Interesting thought process, especially given your background. When you say "as their IRA matures," are you implying your retirement age is approaching, or is there another reason you're seeing your IRA as "maturing"? Just curious why now might be the time for a strategy shift after doing well with gold.

Comments (3)

richard_garcia👑Elite (1m-5m)Real Investor•less than a minute ago

That's an interesting thought, OP! I've been in a similar boat, though with a much smaller IRA. Started heavy on gold myself, and it's definitely been good. Lately, though, I've been looking at silver and thinking about adding more, especially with some of the recent price movements. Feels like there's a bit more upside potential there right now, especially if things get a bit more volatile. Glad to hear your gold has done well!

helen_turner💰Established (100-250k)Real Investor•less than a minute ago

susan_clark💰Established (100-250k)Real Investor•less than a minute ago

Interesting thought, OP. While silver definitely has its place and some good industrial demand, I'm personally a bit more cautious about a heavy shift for a significant portion of an IRA. Gold's role as a long-term store of value, especially in an IRA, often comes down to its stability and less volatile nature compared to silver. Silver can have wild swings. Just something to consider for that kind of capital, especially if you're looking for more steady preservation as your IRA matures.

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →