Gold hitting new highs - time to re-evaluate allocations?

Ronald Morris

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Gold hitting new highs - time to re-evaluate allocations?

ronald_morris👑Elite (1m-5m)

9 days ago

Key Takeaways

•Well, another day, another all-time high for gold.
•Been watching this closely for years, and while it's certainly satisfying to see, it also prompts a strategic review, doesn't it?
•As a retired Admiral, discipline is ingrained, and diversification has always been key for me – not just chasing the hottest stock.

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Well, another day, another all-time high for gold. Been watching this closely for years, and while it's certainly satisfying to see, it also prompts a strategic review, doesn't it?

I started moving a significant chunk of my retirement portfolio into a Gold IRA back in '08 after seeing the writing on the wall with the financial crisis. As a retired Admiral, discipline is ingrained, and diversification has always been key for me – not just chasing the hottest stock. Over the years, I've steadily built up my position, aiming for about 10-15% of my overall portfolio in physical metals. Currently sitting a bit above that due to the recent run-up – probably closer to 18-20% now if I'm honest. I’ve always been comfortable with that allocation, seeing gold as more of a wealth preservation tool than a growth engine, especially with the inflation we’ve been experiencing and the geopolitical instability.

Living here in Virginia Beach, I've seen firsthand how unpredictable things can get. My original goal was always to have a solid hedge against currency devaluation and market volatility. The question now is, with these new highs, am I approaching a point where I should be trimming my position back to my target allocation? Or is this just the beginning of a larger move driven by global uncertainties and continuing fiat debasement? Part of me thinks sticking to the original plan is wise, but another part wonders if the landscape has fundamentally shifted enough to justify a higher target allocation.

What are others doing with their Gold IRA positions given these new highs? Are you holding steady, trimming some gains to rebalance, or even considering adding more on the dips? I'm curious to hear the different strategies folks are employing. It's a good problem to have, for sure, but still requires a thoughtful approach.

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5 comments

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Best Answer▲ 7 upvotes

charles_lewis💎Premium (500k-1m)

Totally agree with you on this. It's wild to see, and definitely makes you pause and think. I actually did something similar back in '11, moved about 15% of my portfolio into physical gold and silver through a Gold IRA. Glad I did!

Comments (5)

helen_turner💰Established (100-250k)Real Investor•8 days ago

Totally feel this. I actually did something similar in 2011, though not as big a chunk as you did. I had a small percentage in gold already, but after that run-up, I moved even more into my Gold IRA. It felt like a smart move then, and definitely feels vindicated now. Makes you wonder about rebalancing for sure.

margaret_chen🏆Advanced (250-500k)Real Investor•8 days ago

Totally! The 2008 move was prescient. Given the current highs, what's your take on the "significant chunk" you mentioned? Are we talking 10%, 20%, or even more for the gold allocation? Just curious how people are thinking about that.

michael_anderson🏆Advanced (250-500k)Real Investor•8 days ago

It's definitely tempting to look at those new highs and feel like a genius, especially for anyone who got in early!

But sometimes, the top feels less like a strategic re-evaluation point and more like a "fear of missing out" moment for those who *didn't* get in. While gold *can* be a good hedge, it's not always a guaranteed stairway to heaven, right? A lot of factors could still be at play. Just something to consider before making any big moves based solely on price action.

timothy_reed💎Premium (500k-1m)Real Investor•8 days ago

Totally hear you on the strategic review! It's great to see those gains. One thing I've found super helpful when gold starts hitting new highs like this is to look at the gold/silver ratio. It can sometimes give you a good idea of whether silver might be a bit undervalued compared to gold, and if it makes sense to rebalance some of your precious metals portfolio in that direction.

There are a bunch of free calculators online if you just search for "gold silver ratio calculator" that can help you visualize it historicaly. Might be worth a quick look!