Rebalancing - Ditching some big tech for more silver

William Davis

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Rebalancing - Ditching some big tech for more silver

william_davis💎Premium (500k-1m)

about 2 months ago

Key Takeaways

•Been looking at my portfolio lately and gotta say, the tech stocks are giving me indigestion.
•My Roth IRA is nearing the 7-figure mark, most of it in tech that’s just gone parabolic these last few years.
•Don’t get me wrong, I love a good run, but the smell of froth is getting strong, especially with election year volatility coming up.

The 3-step rollover process explained

Been looking at my portfolio lately and gotta say, the tech stocks are giving me indigestion. My Roth IRA is nearing the 7-figure mark, most of it in tech that’s just gone parabolic these last few years. Don’t get me wrong, I love a good run, but the smell of froth is getting strong, especially with election year volatility coming up. Think it's time to rebalance and move some significant chunk out of those growth darlings and into something a bit more… substantial. My gold’s been solid, as always, but I’m eyeing silver aggressively right now.

I’ve been in gold for like 15 years now, through a couple of cycles, and it's always been my bedrock. My gold IRA has been a fantastic hedge, and I’m based in Dallas, so oil industry downturns taught me to appreciate real assets. I'm thinking of pulling about 10-15% out of my TQQQ and NVDA positions – that’s probably a good $50-75k – and rolling it into physical silver.

Anyone else feeling the need to de-risk from equities right now? I know some folks just ride the wave, but my gut is telling me to be more defensive. I was messing around with the Silver vs Stocks tool on Gold IRA Blueprint the other day, and looking at the 10-year period, silver’s actually holding its own a lot better than people give it credit for, especially compared to some of those hyper-growth plays once they normalize. It's not just about what's hot now, but what holds value long term.

What are your thoughts on silver's long-term prospects right now? Are you rebalancing away from "hot" stocks, or are you staying the course? Always interested to hear what folks are doing with their precious metals allocations.

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12 comments

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Comments (12)

donna_rogers🏆Advanced (250-500k)Real Investor•about 2 months ago

Totally get this. I've been feeling the same itch with some of my growth stocks. My Roth isn't quite at that level, but I've been slowly trimming some of my FAANG exposure and rotating it into physical silver and a bit more into a gold mining ETF. Just feels like a more prudent move right now given the current market vibes.

karen_robinson💼Starter (0-50k)•about 2 months ago

Totally get the indigestion, man. That tech run has been wild. When you say you're looking at "more silver" for the rebalance, are you thinking specifically physical silver, or including some silver mining stocks/ETFs in that consideration too? Just curious how you're planning to get that exposure.

ashley_baker💼Starter (0-50k)✓ Verified•about 2 months ago

Interesting move, totally get wanting to take some chips off the table from tech. I'm a bit torn on silver though, especially if you're thinking about it as a direct replacement for growth. Gold historically has been the go-to for stability and inflation hedging in the precious metals space, with silver often being more volatile due to its industrial uses. If you're looking to diversify away from tech, have you considered other established value sectors or even some dividend-focused stocks to balance out the growth you're ditching?

william_davis💎Premium (500k-1m)Real Investor•about 2 months ago

Totally get that feeling, the tech run has been wild! Diversifying is never a bad idea, especially when things feel a bit overextended.

For anyone looking to diversify into precious metals, it's really helpful to know about the IRS rules for what kind of silver (or gold) is actually IRA-eligible. Not all silver coins or bars qualify, so definitely check out the specific purity and minting requirements before you buy. A quick search for "IRS approved precious metals for IRA" will give you a good list.

michelle_collins🏆Advanced (250-500k)Real Investor•about 2 months ago

100% agreement here. I've been doing the same thing with my 401k. My employer match is still in broad market funds, but my personal contributions have been going into physical silver for the last 6 months. It's not a huge amount, but it feels good to diversify away from what feels like an overextended tech bubble. My portfolio isn't quite as big as yours, but the principle is the same!