Gold vs. Silver Allocation - What's your take these days?

Gary Stewart

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Gold vs. Silver Allocation - What's your take these days?

gary_stewart📊Growing (50-100k)

about 9 hours ago

Key Takeaways

•I’ve got about $75k currently in my Gold IRA, all in physical gold.
•Started accumulating around 2018-2019 when things felt a lot more stable, but hindsight, right?
•As an agriculture businessman here in Fresno, I've always believed in tangible assets, things you can hold and pass down.

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Been thinking a lot about my precious metals allocation lately, especially with all the craziness going on with inflation and the general state of the world economy. I’ve got about $75k currently in my Gold IRA, all in physical gold. Started accumulating around 2018-2019 when things felt a lot more stable, but hindsight, right? As an agriculture businessman here in Fresno, I've always believed in tangible assets, things you can hold and pass down. Seeing how things are going with supply chains and commodity prices, it just reinforces that belief for me.

My initial thought was to just keep accumulating gold, especially with all the talk about sovereign debt and potential currency devaluation. But I've been hearing more and more chatter about silver, especially as an industrial metal with green energy applications. My concern is the volatility – silver seems to swing a lot harder than gold. For a good portion of my savings, I’m looking for more stability, but I also don't want to miss out on significant upside, especially if the whole "green revolution" takes off even more.

So, I'm trying to figure out if it makes sense to diversify a portion of my IRA into silver. Maybe shifting 10-15%? Or even 20%? Is the risk worth the potential reward? I’m 55 next year, so I'm not exactly looking for super high-risk plays, but I'm not ready to stick my head in the sand either. What are your personal allocations like? Are you heavy in one over the other, or do you try and keep a balanced ratio? Any specific types of silver (coins, bars) you'd recommend or avoid for an IRA?

Really appreciate any insights or experiences you folks have on this. It's a big decision for my retirement planning.

3 comments

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Best Answer▲ 6 upvotes

david_brown💎Premium (500k-1m)

Totally get the feeling of wanting to adjust with everything happening. Given you're 100% in physical gold right now, what's your current thought process on the type of silver you'd be looking at? Like, junk silver vs. modern bullion vs. older rounds/bars?

Comments (3)

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

Totally feel this! I was in a similar boat a few years back, had almost my entire Gold IRA in just gold. Inflation worries really got me thinking, and I ended up diversifying about 25% of it into silver. No regrets so far, it’s been interesting to see how the two metals have moved differently.

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

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

Interesting post. While gold is definitely the traditional safe haven, I'm a bit surprised you went all in on it for your Gold IRA, especially considering silver's performance lately and its industrial demand. Don't get me wrong, gold has its place, but solely gold feels like leaving some diversification on the table, particularly if you're looking at long-term growth alongside that stability. Just a thought!

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