Gold vs. Silver split for my IRA - thoughts?

Steven Mitchell

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Gold vs. Silver split for my IRA - thoughts?

steven_mitchell🏆Advanced (250-500k)

1 day ago

Key Takeaways

•Been thinking a lot lately about how I've got my precious metals IRA structured.
•Total portfolio is hovering around the $350k mark thanks to a decent year in manufacturing, and I’m based right here in Cleveland.
•I come from a manufacturing background, so the tangible asset aspect of both really speaks to me.

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Been thinking a lot lately about how I've got my precious metals IRA structured. Currently sitting at a pretty even 50/50 split between gold and silver, mostly in American Gold Eagles and Silver Canadian Maples, with a good chunk of that 2020 proof set in there too. Total portfolio is hovering around the $350k mark thanks to a decent year in manufacturing, and I’m based right here in Cleveland.

My initial reasoning for the 50/50 was basically hedging—gold for stability and a hedge against inflation, silver for the industrial demand upside and lower entry point. I come from a manufacturing background, so the tangible asset aspect of both really speaks to me. I love that I can actually see and hold the value, unlike some nebulous stocks.

Lately though, I’m wondering if I should be tweaking that. With the market volatility and some of the geopolitical stuff brewing, I'm leaning more towards increasing my gold allocation. Silver has been pretty good to me, don't get me wrong, but the swings can be a bit more intense. My thought is maybe an 80/20 gold/silver split for safety. Or, given that my timeframe is still pretty long (I'm only 45, aiming for retirement around 65), should I stick more with silver for that potential boom?

Anyone else here shift their gold/silver ratio significantly over time? What kind of factors influenced your decision, especially if you have a similar portfolio size? I’m mostly self-directed but always appreciate hearing other perspectives. No palladium yet – sticking with the traditional big two for now.

4 comments

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Best Answer▲ 9 upvotes

donald_nelson💎Premium (500k-1m)

Hey, that's a solid split to start with! For proof sets, just double-check with your custodian to make sure they're actually IRA-eligible. Sometimes those can get tricky due to collectibility premiums rather than just metal content. Good luck!

Comments (4)

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•1 day ago

I hear you on this! I was in a super similar boat last year, also at pretty close to 50/50. I ended up nudging mine to about 60/40 gold to silver, mainly because I felt gold would be a bit more stable in the *really* bad times, and I already had a decent amount of "everyday carry" silver outside the IRA. No regrets so far, it just feels a little more balanced for my risk tolerance.

daniel_wright💎Premium (500k-1m)Real Investor✓ Verified•1 day ago

Hey, interesting split! You mentioned a "good chunk" of the 2020 proof set. Are those specific coins just for their numismatic value, or do you view them more as a precious metal hedge within that proof set wrapper?

timothy_reed💎Premium (500k-1m)Real Investor•1 day ago

Interesting split! My take is a bit different, though. While 50/50 is certainly balanced, I sometimes wonder if leaning a little heavier into gold for the IRA, especially for long-term growth and stability, might be the play. Silver definitely has its moments, but for the "set it and forget it" aspect of an IRA, gold can feel a tad more… foundational, if that makes sense. Especially with those proof sets, you've got some great diversification already!