Gold vs. Silver allocation - former tech exec trying to figure this out
- •I’ve gone heavy into physical gold – think American Gold Eagles, some Canadian Maples, all stored securely.
- •I'm probably sitting at around an 80/20 gold/silver split right now, maybe even 85/15.
- •The thing is, I keep seeing arguments for silver's industrial demand and its lower price point potentially offering more upside.
Okay, so I’ve been diving pretty deep into the precious metals space over the last year or so, mostly as a hedge against what feels like… everything right now. Coming from a startup background in SF, I’m used to high-growth, high-risk, but my portfolio’s nudging north of $400k now, and I’m looking for some stability. I’ve gone heavy into physical gold – think American Gold Eagles, some Canadian Maples, all stored securely. I'm probably sitting at around an 80/20 gold/silver split right now, maybe even 85/15.
The thing is, I keep seeing arguments for silver's industrial demand and its lower price point potentially offering more upside. I get the inflation hedge argument for gold, the historical value, the fact it's held its own for millennia. But part of me wonders if I'm under-allocating to silver, especially given its dual role as a monetary metal and an industrial commodity. My current thinking was that gold acts as core stability, while silver is a bit more speculative. Am I oversimplifying this?
I’m trying to figure out if I should rebalance to something like a 70/30 or even 60/40. Or is 80/20 a perfectly reasonable and safe bet for someone looking to diversify away from tech stocks and real estate volatility? Any long-term investors here who've shifted their gold/silver ratios over time and had good or bad experiences? Also, on a related note, since I'm thinking long-term here, I was actually messing around with that RMD Calculator on Gold IRA Blueprint the other day to get a sense of future distributions – pretty useful tool for looking ahead, especially as I move more into these types of assets.