Portfolio Rebalance: Selling Silver for Gold?

Paul Hill

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Portfolio Rebalance: Selling Silver for Gold?

paul_hill🏆Advanced (250-500k)

about 9 hours ago

Key Takeaways

•I'm sitting on a pretty good chunk in my SDIRA, got about ~$350k total, and roughly 25% of that is in silver right now.
•The rest is mostly gold with a tiny sliver of platinum.
•I started dabbling in silver back in 2020-2021 when things were super hot, and it felt like a smart diversification play.

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Okay, so I'm wrestling with a portfolio decision and wanted to get some outside perspective from folks who've been around the block with precious metals IRAs. I'm sitting on a pretty good chunk in my SDIRA, got about ~$350k total, and roughly 25% of that is in silver right now. The rest is mostly gold with a tiny sliver of platinum. I started dabbling in silver back in 2020-2021 when things were super hot, and it felt like a smart diversification play. I've seen some decent gains, nothing to scoff at, but honestly, gold has just been a steadier performer for me.

My financial advisor here in Salt Lake has been nudging me to maybe rebalance a bit, suggesting it might be prudent to trim some of the silver and beef up my gold holdings. Historically, he's been pretty spot on with his advice, especially when we first set up the SDIRA. The idea is to move some of the silver profits into gold, aiming for more stability, particularly with all the geopolitical weirdness lately. I get the logic – gold is the ultimate safe haven, the OG inflation hedge, etc. But there's a part of me that still thinks silver has a lot of upside, especially with its industrial demand.

Has anyone here done something similar? Like, sold off a significant portion of their silver to buy more gold within their IRA? What was your experience? Any regrets? I'm trying to weigh the potential for silver to really pop vs. the consistent, reliable strength of gold. It feels like a 'bird in the hand' vs. 'two in the bush' situation. How do you all think about the ideal gold-to-silver ratio in your retirement accounts, especially with a portfolio in this size range?

Just looking for some anecdotal evidence or different perspectives that might help me solidify my decision. Thanks in advance!

3 comments

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Best Answer▲ 10 upvotes

jason_morgan💰Established (100-250k)

Interesting thought process, but I dunno if I'd be so quick to ditch silver entirely for gold right now. Gold's had a monster run, and while I'm not saying it's going to crash, silver often plays catch-up in a big way when gold cools off a bit. You might be selling low on silver just before it gets its turn in the spotlight. Have you considered rebalancing a bit more subtly, like reducing your silver exposure instead of eliminating it?

Comments (3)

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

Hey, I actually just went through something pretty similar! Had a good chunk of silver and felt like gold offered a bit more stability long-term. Ended up selling off about half my silver holdings and reallocating to gold in my IRA. No regrets so far, but definitely interested to hear what others think about your situation.

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

Interesting thought process! When you say you're sitting on a "pretty good chunk" in your SDIRA, are we talking about the silver specifically having appreciated nicely, or just the overall portfolio performing well?