My Silver Stacking Journey and Strategy (been interesting to say the least)

Diane Bailey

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My Silver Stacking Journey and Strategy (been interesting to say the least)

diane_bailey💰Established (100-250k)

about 6 hours ago

Key Takeaways

•Thought I'd share a bit about my silver stacking.
•Been at it for a good 8 years now, mostly through a Gold IRA, with a little side action in physical stuff I keep in a home safe here in Savannah.
•Rough for tourism outlets like mine) and decided to diversify into silver.

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Thought I'd share a bit about my silver stacking. Been at it for a good 8 years now, mostly through a Gold IRA, with a little side action in physical stuff I keep in a home safe here in Savannah. Started with maybe 25k in my IRA, mostly gold, but saw a few posts on here and some financial news when things started looking a bit dodgy (remember 2020? Rough for tourism outlets like mine) and decided to diversify into silver. It was a relatively small portion then, just dipping my toes.

My business, a small tour operator, really took a hit back then, and while we've bounced back strong, those cycles really highlight the need for tangible assets. I’ve seen my total portfolio in the IRA hit around the 180k mark recently, and about 30% of that is now in silver, gradually built up over time during dips. I'm focusing on rounds and bars mostly – aiming for weight rather than numismatic value because, honestly, I'm not a coin expert and just want the fundamental value. The goal is really wealth preservation and an inflation hedge, especially with how volatile the market seems these days. Watching the dollar erode feels like a slow burn sometimes, and having that physical backing, even if it's stored for me, just gives me a little more peace of mind.

I'm always watching the spot price, trying to add a few more ounces here and there when it dips. It’s hard to time the market perfectly, but I've had decent luck averaging in. For the physical stuff at home, I've got maybe another 5k or so in 1oz coins – just enough to feel like I could lay my hands on it immediately if things went truly downhill, though I hope it never comes to that. It's not a huge amount, but it’s a comfort. Anyone else primarily focused on silver within their IRA? Do you find the dealer premiums reasonable right now for larger purchases?

5 comments

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Best Answer▲ 10 upvotes

susan_clark💰Established (100-250k)

Totally agree with your approach, especially on the diversification. I've been doing something similar for about 6 years now. Started with a good chunk in gold in my IRA, but after seeing the price movements and reading a lot more, I've gradually shifted about 20% into silver over the last couple of years. It's been a solid move for me too, especially with the dips and gains. Definitely makes the portfolio feel more balanced.

Comments (5)

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

This is super interesting! I had a similar experience actually, though on a much smaller scale at first. Started with a Gold IRA and tossed in a few silver eagles for fun, thinking it was just a novelty. Then the market did its thing, and suddenly that "novelty" was looking pretty good. Made me rethink my whole approach to physical precious metals. Glad to hear you've been having success with it!

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

Hey, that's a decent amount of time to be stacking! Quick question about the home safe though: what kind of insurance do you have on the physical silver you keep in it, especially being in Savannah?

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

Interesting strategy with the Gold IRA for silver! I always thought the administrative fees associated with an IRA for metals, especially silver given its lower value-to-weight ratio, might eat into the gains a bit more than with gold. Have you found that to be the case, or do the other benefits of the IRA outweigh those costs for you?

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

Hey, awesome to hear about your stacking journey! 8 years is a solid run. Since you're balancing a Gold IRA with some physical, have you looked into the differences between segregated vs. unsegregated storage for your IRA metals? It's a small detail, but can be a big deal for some folks. Fidelity has a pretty straightforward article comparing the two that’s worth a quick read. Keep up the good work!