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    Gold vs. Silver: Where are you guys at with allocation

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    Key Takeaways
    • I've been thinking a lot about my precious metals allocation lately, specifically the gold vs.
    • My reasoning has always been gold’s stability and its role as a more traditional hedge against inflation and economic uncertainty.
    • Given the crap show the last few years have been, that’s largely paid off, helping my overall portfolio sail past the $5 million mark comfortably.
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    I've been thinking a lot about my precious metals allocation lately, specifically the gold vs. silver split. For years, I’ve been heavily weighted towards gold, probably a good 70/30 split gold to silver within my physical holdings, and even more so in my IRA. My reasoning has always been gold’s stability and its role as a more traditional hedge against inflation and economic uncertainty. Given the crap show the last few years have been, that’s largely paid off, helping my overall portfolio sail past the $5 million mark comfortably.

    However, it feels like silver is starting to whisper a different tune. The industrial demand is undeniable, and with all the green energy initiatives ramping up globally, that’s only going to accelerate. I’m an entrepreneur myself, always looking for growth opportunities, and the thought of silver having a stronger upside potential right now is tempting. I’ve currently got about $750k in physical silver spread between my home safe and a vault service, and another $250k or so in some mining stocks and ETFs, but I'm wondering if I should be increasing that physical stack.

    My Gold IRA, on the other hand, is almost entirely gold given how I structured it with my advisor a few years back. The initial goal was capital preservation and long-term stability for that portion of my wealth. But with the gold/silver ratio hovering where it is, it makes me wonder if there's an argument to be made for rebalancing a portion of that into silver. I’m in Scottsdale, so access to dealers isn’t an issue, but making a significant move in my IRA isn’t something I take lightly. Are any of you making aggressive moves into silver right now, or are you sticking to a more conservative gold-heavy approach? Especially for those with sizable portfolios, how are you thinking about this balance?

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    5 comments

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    Best Answer▲ 10 upvotes
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    david_brown💎Premium (500k-1m)

    Totally agree with you on leaning heavier into gold right now. My current allocation is pretty similar to yours, actually, around 75/25 gold to silver. I've been feeling more confident in gold's stability given everything going on globally.

    I still grab some silver every now and then, especially if I see a good deal, but for my core holding, gold just feels like the safer bet for the long haul. Good to know I'm not the only one thinking this way!

    Comments (5)

    1
    ronald_morris👑Elite (1m-5m)Real Investorabout 2 months ago

    Dude, I'm right there with you. For the longest time, I was probably 80/20 gold to silver. Everyone always says gold is the "safe" bet, so I just stuck with it. But lately, I've been eyeing silver a lot more. The industrial demand just keeps growing, and it feels like it has more upside potential right now. I've been slowly rebalancing closer to 60/40, maybe even 50/50 eventually if the silver price keeps doing its thing.

    6
    janet_cook📊Growing (50-100k)about 2 months ago

    Hey, interesting split! You mentioned your physical holdings are 70/30 gold to silver. Are you keeping a similar ratio for your Gold IRA, or is that allocated differently?

    2
    nancy_hall💰Established (100-250k)Real Investorabout 2 months ago

    Interesting split! I'm actually leaning the other way a bit right now, maybe 60/40 silver to gold. I know gold is the traditional safe haven, but I feel like silver has more upside potential given the industrial demand and its current price point relative to gold. It just seems undervalued to me. Plus, stacking silver feels a bit more accessible for smaller purchases.

    4
    paul_hill🏆Advanced (250-500k)Real Investor✓ Verifiedabout 2 months ago

    Hey, interesting question! I'm always re-evaluating my own split too. One thing I find super helpful is checking out the gold/silver ratio. It can give you a good idea of which metal might be undervalued relative to the other. There are a bunch of sites that track it, but this one from Gold and Silver has some historical charts that are pretty insightful for a long-term view.

    It's not a crystal ball, but it's another data point to consider when you're tweaking those allocations!

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    david_brown💎Premium (500k-1m)Real Investorabout 2 months ago

    Totally agree with you on leaning heavier into gold right now. My current allocation is pretty similar to yours, actually, around 75/25 gold to silver. I've been feeling more confident in gold's stability given everything going on globally.

    I still grab some silver every now and then, especially if I see a good deal, but for my core holding, gold just feels like the safer bet for the long haul. Good to know I'm not the only one thinking this way!

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