Got some gold, thinking about adding silver - what's your allocation breakdown?

Catherine Bell

Back to forum

🪙 Gold Coins

Got some gold, thinking about adding silver - what's your allocation breakdown?

catherine_bell🏆Advanced (250-500k)

about 9 hours ago

Key Takeaways

•Been sitting on a decent chunk of gold in my IRA for a while now, probably around $300k.
•So, when I got the bulk of my inheritance, a chunk of it immediately went into a Gold IRA.
•Now I’m looking at diversifying that metals allocation a bit – specifically, thinking about silver.

Get the free Gold IRA guide

Been sitting on a decent chunk of gold in my IRA for a while now, probably around $300k. My grandfather always stressed the importance of tangible assets, especially with what he saw happen to paper money through multiple generations of timber busts and booms back in Idaho and eastern Washington. So, when I got the bulk of my inheritance, a chunk of it immediately went into a Gold IRA. Now I’m looking at diversifying that metals allocation a bit – specifically, thinking about silver.

My core holding is definitely gold, and that's not changing. It’s comforting knowing it's there as a hedge against… well, everything, really. But I've been doing some reading about silver's industrial demand and its potential upside if things really go sideways. The lower price point also feels like it gives me more leverage if I'm looking to increase my total ounces. I'm wondering what kind of allocation people here have, percentage-wise, between gold and silver in their precious metals portfolio. Is it 80/20? 70/30? Or do some of you go heavier on silver for specific reasons?

I know part of it comes down to individual risk tolerance and overall portfolio size. For context, I’m in Spokane, and my overall portfolio is probably around $450k right now, but a good chunk of that is still in various stocks and some real estate. The thought of adding another $50k-$75k into silver feels right, but I'm open to arguments for more or less. Anyone here specifically go with a larger silver position because they see it as undervalued compared to gold right now? Also, for those who’ve added silver, any particular types of coins or bars you recommend for an IRA? I'm curious about the storage implications too, given silver's bulk.

Oh, and on a related note, for anyone just getting started or looking to expand, make sure you've checked your eligibility for a Gold IRA. I remember using a tool similar to the Eligibility Checker when I first set mine up, and it saved me a lot of headaches making sure I qualified for the tax advantages.

5 comments

Considering a Gold IRA for your retirement?

Get a free info kit from a top-rated company — trusted by thousands of investors.

Under $100k? Compare options →

18 people viewed this today3 members requested a free kit this week3 investors bookmarked this

Best Answer▲ 10 upvotes

betty_king📊Growing (50-100k)

Awesome! Your grandfather sounds like he had some serious wisdom. I actually had a similar experience with my own dad. He wasn't a gold bug, but he always talked about owning land and physical things that "couldn't disappear with a click of a button." It really stuck with me.

I'm currently at about 80/20 gold to silver in my metals IRA, but I've been considering bumping the silver up to 30%. Love the idea of both for different reasons.

Comments (5)

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

I'm currently at about 80/20 gold to silver in my metals IRA, but I've been considering bumping the silver up to 30%. Love the idea of both for different reasons.

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•less than a minute ago

That's an interesting backstory about your grandfather's experiences! I'm curious, what percentage of your total portfolio is that $300k in gold? And are you looking to keep your gold/silver allocation separate from other asset classes, or are you thinking about it as a percentage of your overall precious metals holdings?

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

Hey, that's a cool story about your grandpa! Always good to hear about the "why" behind people's strategies. While gold is definitely a solid pick for tangible assets, I'm personally a bit more bullish on silver right now for its industrial demand potential alongside its monetary value. Gold's great for stability, but silver could have more upside in the coming years with all the tech and green energy stuff ramping up.

So, instead of just adding silver, maybe consider a rebalance? Depending on your goals and risk tolerance, shifting a small percentage from gold to silver could give you a bit more growth potential without sacrificing too much of that core stability you've already got with your gold holdings.

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

Hey, that's awesome you're diversified with gold! Totally get the generational wisdom on tangible assets, especially with those historical economic swings. If you're looking into adding silver, a good rule of thumb I've heard is to consider a 2:1 or even 3:1 ratio of silver to gold by weight, since silver is more volatile but has higher industrial demand.

You might find this article on precious metals allocation helpful: Investopedia - Allocating a Portfolio to Precious Metals. It breaks down some different strategies beyond just gold and silver too. Good luck!

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

Totally agree with your grandfather's sentiment. My grandma used to say something similar about always having a "rainy day stack" you could touch. I'm sitting at about 70/30 gold to silver in my IRA right now, and I've been debating bumping that silver up a bit too. Seems like a good move with the current market.

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →