Rebalancing - Ditching some silver for gold?

Ruth Perez

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Rebalancing - Ditching some silver for gold?

ruth_perez📊Growing (50-100k)

about 1 hour ago

Key Takeaways

•Okay, so I've been kicking around the idea of rebalancing my Gold IRA a bit, and I wanted to get some thoughts from other folks here.
•I'm a government employee out here in Albuquerque, and my main goal with this Gold IRA is really just to beef up my pension down the line.
•Lately, though, I've been feeling a little antsy about the silver side.

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Okay, so I've been kicking around the idea of rebalancing my Gold IRA a bit, and I wanted to get some thoughts from other folks here. I'm a government employee out here in Albuquerque, and my main goal with this Gold IRA is really just to beef up my pension down the line. I've got around $70k in it right now, built it up over the last five or six years, and it's been a pretty even split between gold and silver for most of that time.

Lately, though, I've been feeling a little antsy about the silver side. Don't get me wrong, I think silver has its place, but with all the economic uncertainty, I'm leaning more towards gold feeling like the truly "safe" play. I've been messing around with that "Silver vs Stocks" tool on Gold IRA Blueprint (check it out, it's pretty neat for comparisons), and while seeing how silver has stacked up against stocks over the past decade is interesting, it's not really changing my gut feeling right now.

My thought is to maybe sell off about a third of my silver holdings and use that to buy more gold. It would shift my allocation to something like 70/30 gold to silver. I just feel like gold has more consistent long-term store-of-value potential, especially with the way things are going globally. Plus, the spread on silver can be a bit of a headache sometimes when considering selling.

Has anyone else here done a significant rebalancing in their precious metals IRA? Did you regret it? Or did it pay off? I'm trying to figure out if I'm overthinking this or if it's a solid move for someone primarily focused on long-term wealth preservation and pension supplementation like me. Any advice or experiences would be super helpful!

4 comments

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Best Answer▲ 10 upvotes

barbara_white🏆Advanced (250-500k)

Hey, that's a solid amount to be working with for your retirement goals! Rebalancing can definitely be a good move. Have you considered looking at the historical gold-to-silver ratio? It can sometimes give you a good idea of when it might be more advantageous to swap one for the other. There are lots of charts online if you search for "gold silver ratio historical data" that can help you visualize it.

Just a thought for your decision-making process!

Comments (4)

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

Hey, interesting thought process here. When you say "beef up my pension," are you thinking more along the lines of capital appreciation, or is it more about long-term inflation protection for those eventual pension payouts? The approach might differ depending on that.

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

Hey, I actually did something similar a few years back with my retirement account. Had a decent chunk in silver, but the volatility was just making me a bit antsy. Swapped a good portion of it over to gold – felt like a safer bet for my long-term goals. No regrets! Good luck with whatever you decide.

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

Interesting thought process, and totally get wanting to optimize for that pension boost. But I wonder, is "ditching" silver entirely the best move right now? Silver's got its own unique role, especially as an industrial metal, and that can add a different kind of hedge than just gold. Maybe consider holding onto a smaller percentage of silver instead of going all in on gold? Diversification within precious metals can still be a good thing, even if gold is your primary focus.