Silver stacking for retirement - am I doing this right?

Ruth Perez

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Silver stacking for retirement - am I doing this right?

ruth_perez📊Growing (50-100k)

less than a minute ago

Key Takeaways

•Been lurking here for a while and finally decided to post about my own silver journey.
•I'm 48, based in ABQ, and for the past three years, I've been slowly but surely adding silver to my Gold IRA.
•I’m a government employee, so I've got my pension, but I really want to bolster my retirement with something tangible.

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Been lurking here for a while and finally decided to post about my own silver journey. I'm 48, based in ABQ, and for the past three years, I've been slowly but surely adding silver to my Gold IRA. I’m a government employee, so I've got my pension, but I really want to bolster my retirement with something tangible. My Gold IRA is sitting around $65K right now, and about $15K of that is in silver.

My strategy is pretty straightforward, maybe too straightforward? I’m mostly picking up 1 oz American Silver Eagles, some Canadian Maples, and a few 10 oz bars here and there. I try to buy when I see dips, but honestly, it’s more about dollar-cost averaging a few hundred bucks every month or two. The goal is to hit at least $25K in silver before I even think about retiring in another 10-15 years. My thinking is that silver has more upside potential than gold in a long-term play, especially as industrial demand keeps growing. Plus, it feels a bit more accessible for smaller regular buys.

Sometimes I worry I’m not diversified enough within my precious metals. Should I be looking at other silver products like junk silver, or branching out into platinum or palladium? I’ve seen some posts about those, but they feel a bit more speculative than the silver I’m holding. My main focus is capital preservation and some growth to supplement the pension, not getting rich overnight. Any other government folks out there using silver to beef up their retirement? What’s your take on premium vs. spot price for regular buys?

3 comments

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Best Answer▲ 8 upvotes

joseph_harris📊Growing (50-100k)

Hey, ABQ! That's cool you're getting into precious metals. However, just a heads-up, typically when people talk about a "Gold IRA," it specifically refers to an Individual Retirement Account that holds physical gold. While some self-directed IRAs can hold silver, the term "Gold IRA" usually implies gold as the primary asset. You might want to double-check the specifics of your account to ensure it's set up to properly hold silver if that's your main focus. Just a thought!

Comments (3)

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

Hey, totally feel you on this! I'm 52 and also a government employee (different state, but same pension situation). I started adding some silver to my self-directed IRA about 4 years ago, mostly just as a hedge against inflation and to diversify a bit. It’s been pretty cool to watch it accumulate, and honestly, the peace of mind is worth it. Sounds like you're on a solid path!

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

Hey, cool post! ABQ, nice. Curious though, when you say "adding silver to my Gold IRA" are you talking about a self-directed IRA where you actually hold physical silver, or are you investing in silver-backed ETFs or something similar within the IRA structure? Just trying to understand the logistics there.

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

Hey, ABQ! That's cool you're getting into precious metals. However, just a heads-up, typically when people talk about a "Gold IRA," it specifically refers to an Individual Retirement Account that holds physical gold. While some self-directed IRAs *can* hold silver, the term "Gold IRA" usually implies gold as the primary asset. You might want to double-check the specifics of your account to ensure it's set up to properly hold silver if that's your main focus. Just a thought!

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