Leaning heavier into silver for my IRA - thoughts?

Gary Stewart

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Leaning heavier into silver for my IRA - thoughts?

gary_stewart📊Growing (50-100k)

about 6 hours ago

Key Takeaways

•Been thinking a lot about my Gold IRA lately, specifically the silver chunk.
•I'm currently sitting at about 80/20 gold to silver, which has been pretty comfortable for a while.
•Got around $85k in there, mostly physical, sitting safe in Delaware.

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Been thinking a lot about my Gold IRA lately, specifically the silver chunk. I'm currently sitting at about 80/20 gold to silver, which has been pretty comfortable for a while. Got around $85k in there, mostly physical, sitting safe in Delaware. Started this whole thing about five years ago, right when things in the Ag market started feeling a little shaky here in Fresno. Always been a real assets kind of guy, feels more tangible than lines on a screen.

My gut's telling me to bump up the silver a bit more. I'm looking at maybe a 70/30 split, perhaps even 65/35. The industrial demand for silver just seems like it's going to keep climbing, especially with all the talk about solar and EVs. Gold feels like a rock-solid store of value, which I absolutely want for the long haul, but silver feels like it has more upside potential in the shorter to medium term, you know? Like a hybrid between a precious metal and an industrial commodity.

The premium on silver coins is still a bit of a kick, but honestly, it's not deterring me much. I've bought enough silver eagles over the years to know what to expect. Just trying to figure out if it makes sense to reallocate some of the gold, or just keep adding new contributions directly to silver for a while until I hit that new desired ratio. I've got a decent chunk of cash flow this quarter from a good harvest, so now's the time if I'm gonna do it.

Anyone else in a similar boat, thinking about increasing their silver exposure significantly within their Gold IRA? Or am I getting a little too speculative here with the silver? I'm curious to hear what other folks have done with their allocations, especially if you're in the agri-business or similar industries where you also see the value in tangible assets.

4 comments

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Best Answer▲ 5 upvotes

steven_mitchell🏆Advanced (250-500k)

Hey, I've been in a similar boat! Had a 75/25 split for a while, and last year I actually upped my silver percentage. Not by a ton, maybe to about 35%, but I just felt like the gold was getting a bit too dominant in the portfolio. It's an interesting thought, especially with the current market. Keep us posted on what you decide!

Comments (4)

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

Hey, I've been in a similar boat! Had a 75/25 split for a while, and last year I actually upped my silver percentage. Not by a ton, maybe to about 35%, but I just felt like the gold was getting a bit *too* dominant in the portfolio. It's an interesting thought, especially with the current market. Keep us posted on what you decide!

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

Interesting, 80/20 is a pretty common split. When you say "leaning heavier into silver," are you thinking more like 70/30, or a bigger jump to 60/40 or even 50/50? Curious about your target ratio.

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

Interesting thought process, given the current climate. I'm personally a bit more cautious about leaning too heavily into silver for an IRA. While it definitely has its industrial uses and can see some volatile swings for quick gains, its long-term stability and role as a hedge against inflation aren't quite as proven as gold's, in my opinion. Diversification is key, of course, but 80/20 seems like a solid, conservative split already. Just something to consider before making a big switch!

kenneth_parker💎Premium (500k-1m)Real Investor✓ Verified•less than a minute ago

Hey, that's an interesting split! While 80/20 gold/silver is pretty common, especially with a solid chunk like yours, upping the silver makes sense if you're looking at its industrial demand and lower price point. Maybe check out some of the historical gold-to-silver ratio charts? They can give you a good idea of where we are historically and might help you decide if it's a good time to buy more silver relative to gold.

Good luck with your rebalancing!

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