Feeling the squeeze, considering more silver for inflation - thoughts?

Elizabeth Johnson

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Feeling the squeeze, considering more silver for inflation - thoughts?

elizabeth_johnson💰Established (100-250k)

about 2 hours ago

Key Takeaways

•Okay, so I'm an accountant here in Atlanta, and even with understanding the numbers, this inflation is still hitting harder than I expected.
•My concern now is really about keeping that momentum or even amplifying it a bit more specifically for inflation protection.
•I'm already pretty heavy on gold, but I've been looking at silver coins more seriously.

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Okay, so I'm an accountant here in Atlanta, and even with understanding the numbers, this inflation is still hitting harder than I expected. My Gold IRA has been a fantastic shield for a good chunk of my portfolio – I'm sitting on around ~$180k across my retirement accounts right now, with about a quarter of that in precious metals. I opened it about three years ago, primarily for tax benefits and long-term stability, and honestly, it’s done its job shielding me from some of the wider market volatility.

My concern now is really about keeping that momentum or even amplifying it a bit more specifically for inflation protection. I'm already pretty heavy on gold, but I've been looking at silver coins more seriously. I know gold is the traditional hedge, but silver feels like it has more upside potential given its industrial uses and lower price point, especially if we see continued supply chain issues or increased demand for tech. Plus, I like the idea of having more physical assets that I could potentially take a distribution of down the line if things get really wild (though obviously, I'd rather not).

For those of you who have either diversified into silver within your precious metals IRA or even have a separate silver investment outside of it for inflation, what are your thoughts? Did you notice significantly better returns than gold during inflationary cycles? Any particular types of coins you’d recommend or avoid for investment purposes? I'm talking about things like American Silver Eagles or Canadian Maple Leafs – easily recognizable, liquid. My main goal is capital preservation and a hedge against the dollar losing more purchasing power, not necessarily trying to get rich quick.

Just trying to strategize how to best allocate the next $10-15k I’m looking to invest. Should I just double down on gold given its historical stability, or is it time to add more silver to the mix to really baton down the hatches against inflation?

5 comments

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Best Answer▲ 8 upvotes

michelle_collins🏆Advanced (250-500k)

Totally get that "squeeze" feeling, it's rough out there even with the numbers in front of you. Gold's been a great move. When you're looking at silver and inflation, you might also want to check out some of the historical data on the gold-to-silver ratio. It can sometimes give you an idea of whether silver might be currently undervalued relative to gold. Macrotrends has a pretty good chart for that if you're into digging into the historical trends!

Comments (5)

timothy_reed💎Premium (500k-1m)Real Investor•less than a minute ago

Totally feel this. I'm not an accountant, but I've definitely been watching my grocery bill climb. I actually did something similar recently, not with a full IRA, but I rebalanced some of my regular savings to pick up more silver. Figured it was a good hedge. Haven't regretted it so far!

maria_campbell📊Growing (50-100k)✓ Verified•less than a minute ago

Hey, totally get the inflation squeeze, it's rough out there. Your Gold IRA sounds like it's done its job well so far! When you say you're "sitting on around ~$180k across my retirement accounts," is that just the Gold IRA portion, or is that your total retirement savings including other accounts like a 401k/Roth etc.? Just curious for context.

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

Totally get the inflation anxiety, it's brutal out there. Gold has definitely been a solid play for you by the sounds of it. However, I'd maybe pump the brakes on going *too* heavy on silver just yet for inflation protection. While it certainly has its place and can be more accessible, its industrial demand component means it can be a bit more volatile than gold in some economic downturns. You want inflation protection, but also some stability, right?

You've got a decent chunk in the Gold IRA already, which is great. Perhaps consider diversifying the "inflation shield" a bit further beyond just gold and silver. Think about some other real assets that aren't quite as correlated. Just a thought to chew on!

michelle_collins🏆Advanced (250-500k)Real Investor•less than a minute ago

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

Totally feel this! The inflation squeeze is real, even when you know it's coming. My gold IRA has been a lifesaver too, definitely kept some of my retirement from feeling the full brunt. I'm actually in a similar boat, sitting on about $210k in my retirement accounts and I've been eyeing silver for the exact same reasons. It just makes sense as a diversifier right now.

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