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    Gold vs. silver allocation in my IRA - hit me with your thoughts

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    Key Takeaways
    • I’ve been thinking a lot about my precious metals allocation lately, specifically gold versus silver.
    • Right now my Gold IRA is sitting at around $70k, mostly in various gold coins and bars, maybe 80/20 in favor of gold.
    • I started it up a few years ago as a way to diversify beyond my government pension and supplement that income when I retire.
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    I’ve been thinking a lot about my precious metals allocation lately, specifically gold versus silver. Right now my Gold IRA is sitting at around $70k, mostly in various gold coins and bars, maybe 80/20 in favor of gold. I started it up a few years ago as a way to diversify beyond my government pension and supplement that income when I retire. I’m an Albuquerque local, been working for the state for almost 20 years now, so that pension is a good foundation, but I definitely want more in the pot and the instability of the dollar has me a bit jumpy.

    My initial thought was always to stick primarily with gold because of its historical stability and higher value density. It just feels safer for a retirement account. But then I look at silver and its industrial uses, the potential for bigger swings, and I wonder if I’m leaving too much on the table. Part of me wants to grab some more silver, especially with the talk about its role in green tech and electronics. I’m not looking to get rich quick, but compounding returns are important over the long haul. My initial contribution to this account was about $50k, so I’m up a decent amount, but I always want to make sure I’m making the smartest moves.

    What are your thoughts on a good gold/silver split for someone in my position? Should I be aiming for more of a 70/30, or even 60/40? Or is sticking closer to 80/20 or even 90/10 still the play for a retirement-focused investor? I’ve been trying to educate myself as much as possible, looking at historical performance and future projections – the Learning Center on Gold IRA Blueprint has been a pretty solid resource for understanding the basics and beyond.

    I feel like I’m at a crossroads here. I don’t want to go too heavy into something more volatile but also don’t want to miss out on potential growth if silver really takes off. What’s worked for others here? Any government employees with similar thoughts on their pension and how they balance that with their Gold IRA? Thanks in advance for any insights!

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    3 comments

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    Best Answer▲ 4 upvotes
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    andrew_roberts👑Elite (1m-5m)

    Dude, I was in almost the exact same boat like six months ago! My Gold IRA was heavy on the gold, probably closer to 90/10. I ended up rebalancing a bit, moving some into silver. Not a ton, but enough to feel a little more diversified. It's a tough call because both have their pros. Good luck with whatever you decide!

    Comments (3)

    1
    joyce_cooper📊Growing (50-100k)✓ Verifiedless than a minute ago

    Interesting split! My personal take is a bit different though. While gold is the classic safe haven, I think an 80/20 might be leaving some growth on the table with silver. Silver has that dual industrial/investment demand that could give it more upside, especially in an inflationary environment. Have you considered bumping up the silver allocation a bit, maybe to a 70/30 or even 60/40?

    4
    andrew_roberts👑Elite (1m-5m)Real Investor✓ Verifiedless than a minute ago

    Dude, I was in almost the exact same boat like six months ago! My Gold IRA was heavy on the gold, probably closer to 90/10. I ended up rebalancing a bit, moving some into silver. Not a ton, but enough to feel a little more diversified. It's a tough call because both have their pros. Good luck with whatever you decide!

    4
    steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verifiedless than a minute ago

    Interesting breakdown! You mentioned "various gold coins and bars." Are those mostly modern bullion, or do you have some numismatics in there too? Just curious if that plays into your 80/20 decision at all.

    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.

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