Silver vs. Gold in my IRA - finding the right balance

Kenneth Parker

Back to forum

🏢 Gold Companies

Silver vs. Gold in my IRA - finding the right balance

kenneth_parker💎Premium (500k-1m)

about 9 hours ago

Key Takeaways

•Been thinking a lot lately about my precious metals allocation, specifically the silver vs.
•Right now, I'm sitting on about $600k in my Gold IRA, and it's heavily weighted towards gold.
•I'd say it's probably 85-15 gold to silver, roughly.

See what your 401(k) could look like in gold

Been thinking a lot lately about my precious metals allocation, specifically the silver vs. gold question. Right now, I'm sitting on about $600k in my Gold IRA, and it's heavily weighted towards gold. I'd say it's probably 85-15 gold to silver, roughly. I've always been a gold guy – just feels more substantial, you know? Plus, the storage costs on all that silver are no joke, even for a few bars.

My logistics company here in Memphis is doing well, and I'm starting to seriously plan for the succession in the next 5-7 years, so capital preservation is even more of a priority. Part of me feels like I should increase my silver exposure. I see the industrial demand arguments, the "poor man's gold" angle, and it feels like it has more upside potential in a really inflationary environment. But then the volatility scares me a bit more than gold. Is the price suppression narrative real, or is it just wishful thinking from retail investors?

I'm torn between sticking with my gold-heavy strategy, which has served me well, or trying to rebalance to something more like 70/30 or even 60/40. What are people here generally doing? Is there a sweet spot for silver allocation in a portfolio of this size? And for anyone holding significant silver, what are your thoughts on storage and liquidity if you ever need to sell a larger amount?

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 →

88 people viewed this today11 members requested a free kit this week16 investors bookmarked this

Best Answer▲ 10 upvotes

ashley_baker💼Starter (0-50k)

Totally get where you're coming from! I had a similar internal debate a while back. My Gold IRA was also super gold-heavy, probably 90/10. I ended up diversifying a bit more into silver, not a huge shift, but enough to feel like I had a bit more balance. It's a tough call figuring out that sweet spot, especially with the market bouncing around.

Comments (3)

ashley_baker💼Starter (0-50k)✓ Verified•less than a minute ago

betty_king📊Growing (50-100k)•less than a minute ago

Hey, interesting post! When you say "heavily weighted towards gold," are you including any gold-backed ETFs or just physical gold in that 85%?

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

Interesting post! While gold certainly has that long-standing "safe haven" reputation, I've seen some compelling arguments for a higher silver allocation, especially given its industrial demand. 85-15 is quite gold-heavy. Have you looked into the potential upside of silver during economic recovery or periods of inflation? It might offer a different kind of hedge than just pure gold.

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →