Gold vs. Silver: My current portfolio is heavy on gold, wondering about adding more silver?

• •Okay, so I've been a pretty happy Gold IRA investor for a while now, looking to diversify some of my retirement savings.
• •Lately, I’ve been thinking more and more about silver.
• •I know the gold/silver ratio fluctuates, and silver has some interesting industrial demand that gold doesn't really.

Okay, so I've been a pretty happy Gold IRA investor for a while now, looking to diversify some of my retirement savings. Currently, I've got around $75k in my self-directed IRA, and almost all of that is in physical gold – mostly American Gold Eagles and Canadian Gold Maples. I started down this path about five years ago when I really started digging into the long-term inflation concerns, especially as a school principal who's seen the cost of everything, well, everything, just keep climbing. I also teach financial literacy to my high schoolers here in Little Rock, and I always stress the importance of diversification, so it feels a bit hypocritical to have such a heavy lean towards just one metal!

Lately, I’ve been thinking more and more about silver. I know the gold/silver ratio fluctuates, and silver has some interesting industrial demand that gold doesn't really. Part of me is thinking about rebalancing a bit, maybe taking 10-15% of my gold and converting it to silver, or just adding new contributions directly into silver. I'm looking at things like American Silver Eagles or maybe even some 10oz silver bars. The idea of having a more "transactional" metal appeals to me, something that could potentially be more useful for smaller economic disruptions if things really go sideways – though obviously, that's not my primary investment thesis.

My big hang-up is the volatility. Gold feels like the steady anchor, and while silver has its moments, it often swings harder. I’m thinking about the potential tax implications of selling some gold to buy silver within the IRA. Has anyone here used a tool like the Tax Calculator at Gold IRA Blueprint to figure out how rebalancing might affect things? I know within an IRA it's generally not a taxable event until withdrawal, but I want to be sure I'm not missing any nuances. Also, storage costs are a consideration for more bulky silver compared to gold, though my current custodian seems pretty reasonable.

For those of you with a mixed gold and silver portfolio in your IRA, what's your typical allocation? Do you have a rule of thumb for the ratio, or does it just depend on market conditions? I'm trying to figure out if it's worth it to move some funds or just continue buying silver with new contributions. Any insights, especially from folks who started heavily in gold and then diversified into silver, would be super helpful. Thanks!