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    Rebalancing dilemma with my gold coin stash - what's everyone else doing?

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    Key Takeaways
    • Okay, so I'm looking at my portfolio these days, and with the way things are going, I'm genuinely debating a significant rebalance.
    • I started getting serious about it back in '08 after seeing what happened, and it's served me incredibly well.
    • I’ve mostly got American Gold Eagles and Canadian Maples, with a few Kurgerrands I bought in the 80s when I was first getting into this.
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    Okay, so I'm looking at my portfolio these days, and with the way things are going, I'm genuinely debating a significant rebalance. I retired from the energy sector here in Houston a few years back, and a good chunk of my nest egg (that 1-5M range, mostly on the higher end of that now thankfully) is tied up in physical gold, especially coins. I started getting serious about it back in '08 after seeing what happened, and it's served me incredibly well. My initial gold allocation was probably around 15%, but with all the volatility lately and gold's solid performance, it's crept up to almost 30% of my total portfolio. I’ve mostly got American Gold Eagles and Canadian Maples, with a few Kurgerrands I bought in the 80s when I was first getting into this. They just sit in a secure vault, giving me a huge sense of security.

    The logical part of my brain says, "Hey, that's a bit heavy, maybe trim some to re-allocate to dividend stocks or real estate." But then the other part, the one that remembers market crashes and inflation eating away at savings, screams to hold tight. I've been doing some serious soul-searching and crunching numbers. I found this "Gold vs Stocks Comparison" tool on Gold IRA Blueprint (specifically this one: https://goldvsstocks.goldirablueprint.com/?period=10Y) and when you look at the 10-year performance, gold has held its own remarkably well compared to the S&P 500, especially considering its role as a hedge. That just reinforces my gut feeling to keep a significant portion.

    I guess what I'm grappling with is the psychological aspect of selling something that has been such a consistent protector of wealth. Anyone else feeling this tension? Did you end up selling some of your gold when its allocation got "too high"? Or did you just let it ride, seeing it as a strength rather than an imbalance? Part of me thinks, if it ain't broke, don't fix it, especially with all the talk about potential economic headwinds. Just curious about others' experiences and thought processes around this specifically with their gold holdings.

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    Best Answer▲ 8 upvotes
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    william_davis💎Premium (500k-1m)

    Interesting! When you say "gold coin stash," are we talking about bullion coins like Eagles/Maples, or more collectible numismatic stuff?

    Comments (4)

    4
    karen_robinson💼Starter (0-50k)about 1 month ago

    Totally feel this. I'm in a similar boat, though not quite at your level of "nest egg" (congrats on that, btw!). I had a smaller but decent chunk of my retirement in a mix, and I've been eyeing my silver holdings specifically. Thinking of diversifying some of that into more gold, or maybe even some platinum. The current economic climate just has me questioning everything, you know?

    It's tough when you've got a good thing going but still want to protect it from the unexpected. Good luck with your decision!

    8
    william_davis💎Premium (500k-1m)Real Investorabout 1 month ago

    Interesting! When you say "gold coin stash," are we talking about bullion coins like Eagles/Maples, or more collectible numismatic stuff?

    5
    jennifer_martinez💰Established (100-250k)Real Investor✓ Verifiedabout 1 month ago

    Interesting take on rebalancing, especially with the current economic climate. While it's smart to review holdings, I'm personally a bit hesitant to aggressively rebalance out of gold right now. My thinking is, if things *do* get shaky, gold has historically been a pretty reliable hedge. Just a thought from another armchair investor!

    4
    ronald_morris👑Elite (1m-5m)Real Investorabout 1 month ago

    Hey, that's a classic retirement dilemma! One thing I found super helpful when I was thinking about rebalancing my precious metals was checking out the different storage options. Some folks swear by home safes for a portion, while others prefer fully insured, third-party vaults for everything. Each has its pros and cons depending on your comfort level and how much you're holding.

    There are some good comparison guides online that break down the security, accessibility, and cost of various vault services. Might be worth a quick look to see if your current setup is still ideal for your rebalanced portfolio.

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