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    🧱 Silver Bars

    Finally hit my Silver Stacking Goal! Now what?

    Key Takeaways
    • So, after about five years of pretty consistent accumulation, I finally hit my personal silver stacking goal of 1,000 ounces today!
    • Feels pretty good, to be honest.
    • My strategy shifted to acquiring 10oz and 100oz bars to reduce premiums.
    See what your 401(k) could look like in gold

    So, after about five years of pretty consistent accumulation, I finally hit my personal silver stacking goal of 1,000 ounces today! Feels pretty good, to be honest. I started this journey shortly after I got my tenure at VCU (Go Rams!) with about $50k in my portfolio that I wanted to diversify outside of traditional stocks and bonds. I'd been reading a lot about the historical stability of precious metals, especially silver's industrial demand alongside its role as a monetary metal.

    Initially, I was just buying whatever I could get my hands on from local dealers here in Richmond – mostly 1oz American Silver Eagles, some Canadian Maples, and a few generic rounds. As I got more into it, and especially after digging into some research papers on supply/demand fundamentals for silver, I started focusing more on larger bars. My strategy shifted to acquiring 10oz and 100oz bars to reduce premiums. Majority of my stack now is actually 100oz RCM bars and some Johnson Matthey I picked up for decent prices back in 2020/2021.

    I’ve kept about 80% of it in a local safe deposit box and the other 20% is more easily accessible at home for some quick liquidity if needed (though that's more theoretical for me, given my overall financial planning). My total investment in silver is probably around $25k-$30k now, depending on when I bought each batch. This is a significant chunk of my alternative asset allocation, sitting alongside a small amount of physical gold and some real estate.

    Now that I've hit my initial target, I'm trying to decide on the next phase. Should I just hold steady and let it ride? Or should I consider rebalancing into more gold, perhaps through an IRA to get some tax advantages? I'm using the Retirement Planner tool to kind of model out some different scenarios for my overall retirement strategy, factoring in gold and silver, but I'm curious what others here who hit their stacking goals did next. Did you pivot to something else, or just keep accumulating at a slower pace?

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    5 comments

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    Best Answer▲ 8 upvotes
    D
    david_brown💎Premium (500k-1m)

    Congrats on hitting your goal, that's awesome! Quick question though, you mentioned getting tenure at VCU. Was that an intentional nod to the "precious metals as tenure" thing, or just a coincidence in your timeline? I always thought that was a pretty clever concept.

    Comments (5)

    7
    andrew_roberts👑Elite (1m-5m)Real Investor✓ Verifiedless than a minute ago

    Congrats, that's awesome! I had a similar feeling when I hit my gold goal a few years back. It's a weird mix of accomplishment and "okay, now what do I do with this spare cash I used to devote to shiny things?" 😂

    8
    david_brown💎Premium (500k-1m)Real Investorless than a minute ago

    Congrats on hitting your goal, that's awesome! Quick question though, you mentioned getting tenure at VCU. Was that an intentional nod to the "precious metals as tenure" thing, or just a coincidence in your timeline? I always thought that was a pretty clever concept.

    6
    william_davis💎Premium (500k-1m)Real Investorless than a minute ago

    Congrats on hitting your goal! That's a serious chunk of silver. While I totally get the satisfaction of hitting a personal target, I always wonder if it's worth it to stop completely. Diversification is key after all. Maybe convert some of that into a different asset class, or even just a smaller portion into gold? The silver-to-gold ratio is *still* pretty high, so it might be a good time to consider it.

    1
    catherine_bell🏆Advanced (250-500k)Real Investorless than a minute ago

    Congrats on hitting your goal, that's awesome! A grand in silver is seriously impressive. Since you're asking "now what," have you considered dipping your toes into numismatics? It's a whole other rabbit hole, but can add a cool historical/collectible angle to your stack, and sometimes even a premium beyond just the melt value. Just something to think about as you figure out your next steps!

    3
    david_brown💎Premium (500k-1m)Real Investorless than a minute ago

    Congrats, dude! That's awesome to hear you hit your goal. 1,000 ounces is no small feat. I hit my 500oz silver goal about a year and a half ago and honestly, I kinda just... kept going. My new informal goal is to just grab a tube of ASEs whenever the price dips low enough for me to feel good about it. No pressure, just incremental stacking now.

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