Gold vs. Silver for my new IRA - small business owner trying to figure out allocation

Patricia Miller

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Gold vs. Silver for my new IRA - small business owner trying to figure out allocation

patricia_miller📊Growing (50-100k)

less than a minute ago

Key Takeaways

•Okay, so I just rolled over my old 401k into a Gold IRA, finally pulled the trigger on that.
•It wasn't a huge amount, around $75k, but it feels like a big step for my small landscaping business here in Denver.
•I went with gold for about $60k of it, mostly because that's what everyone talks about for IRAs and stability.

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Okay, so I just rolled over my old 401k into a Gold IRA, finally pulled the trigger on that. It wasn't a huge amount, around $75k, but it feels like a big step for my small landscaping business here in Denver. I went with gold for about $60k of it, mostly because that's what everyone talks about for IRAs and stability. But now I'm looking at the remaining $15k and wondering if I should put it into silver, or just stick with more gold.

I've been reading a bit about the gold-silver ratio, and it feels like silver might have more upside potential right now, especially with industrial demand. My main goal is long-term growth and some inflation protection, as things just feel so uncertain lately. My financial planner (who is great, but honestly knows more about traditional investments) gave me a pretty generic "it's up to you" when I asked about splitting it. I know silver is more volatile, but for that smaller portion, maybe it's worth the risk? Has anyone here diversified into silver in their precious metals IRA, and if so, how's that worked out for you?

I'm also trying to get my head around the tax implications of all this in the long run. I used the Tax Calculator at goldirablueprint.com a bit to get a rough idea, which was super helpful for understanding distributions and everything. But I'm talking more about capital gains potentially if I were to liquidate. Not planning on doing that for a LONG time, but good to understand the rules. Any advice on the gold-silver split for someone relatively new to this, especially with a modest portfolio like mine?

3 comments

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Best Answer▲ 10 upvotes

joyce_cooper📊Growing (50-100k)

Hey, totally get where you're coming from! I actually did something super similar a few years back with my own small biz 401k. Had around the same amount, maybe a little less. I split mine roughly 70/30 gold to silver, thinking the silver would give me a bit more upside potential with less capital tied up. It's been interesting to watch the fluctuations, for sure. Good move getting it rolled over!

Comments (3)

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

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

Congrats on getting that rollover done! Smart move, especially given the current economic climate. Since you went pretty heavy on gold for the initial allocation, what made you decide on that $15k split for silver? Was it just a diversification play, or did you have specific reasons for that amount?

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

Congrats on getting the rollover done! That's a solid move. I'm curious though, why so much into gold right off the bat? Especially as a small business owner, I'd personally be leaning a bit more towards silver for a larger chunk of that $75k. It's got more industrial demand, often has higher volatility (which can be good for growth in an IRA if you're comfortable with it), and generally a much lower price point per ounce, meaning you can hold more physical units. Just a thought to chew on!

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