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    Rebalancing - Ditching some silver for gold? (Savannah here)

    Key Takeaways
    • Okay, so I'm looking at my portfolio and seriously considering a rebalance, specifically around silver.
    • Now I'm sitting on a portfolio that's hovering around $220k total, with about 18% in physical silver and another chunk in gold.
    • I run a tourism business here in Savannah, so I'm pretty used to economic ups and downs, but this current inflation chatter is making me re-evaluate.
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    Okay, so I'm looking at my portfolio and seriously considering a rebalance, specifically around silver. I picked up a fair bit of silver a few years back – probably around $40k worth in bars – mostly because I liked the lower entry point and the industrial demand story. Now I'm sitting on a portfolio that's hovering around $220k total, with about 18% in physical silver and another chunk in gold. I run a tourism business here in Savannah, so I'm pretty used to economic ups and downs, but this current inflation chatter is making me re-evaluate.

    My concern is that silver, while it has its moments, isn't performing quite like I'd hoped as a long-term hedge against inflation compared to gold. Gold just feels like a more stable boat to weather these storms, especially with everything going on globally. I'm thinking of selling maybe half my silver bars, probably around $20k worth, and rolling that directly into more gold for my IRA. The idea is to increase my gold allocation closer to 20-25% of the total portfolio, and bring silver down to maybe 8-10%.

    Has anyone here done something similar? Like, actively shifted from a heavier silver position to gold for better stability or inflation protection? Did you regret it? Or did it pay off? I'm trying to think long-term here, not just chasing a quick buck, especially with retirement still a solid 15 years out for me. Any thoughts on timing this kind of move with current metal prices would also be super helpful.

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    4 comments

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    Best Answer▲ 10 upvotes
    B
    betty_king📊Growing (50-100k)

    Hey Savannah! Funny, I was literally just wrestling with this same thought this morning. I'm in a similar boat, bought a decent chunk of silver back in 2020/2021 when it felt like a steal. Now I'm eyeing some of the gold plays and wondering if it's time to consolidate a bit. The industrial demand for silver is still there, but the gold stability definitely has me rethinking my allocations. Curious to see what others are doing!

    Comments (4)

    10
    betty_king📊Growing (50-100k)less than a minute ago

    Hey Savannah! Funny, I was literally just wrestling with this same thought this morning. I'm in a similar boat, bought a decent chunk of silver back in 2020/2021 when it felt like a steal. Now I'm eyeing some of the gold plays and wondering if it's time to consolidate a bit. The industrial demand for silver is still there, but the gold stability definitely has me rethinking my allocations. Curious to see what others are doing!

    2
    donald_nelson💎Premium (500k-1m)Real Investor✓ Verifiedless than a minute ago

    Hey Savannah, interesting dilemma. When you say you're "sitting on a portfolio," are you talking about your entire investment portfolio, or just your precious metals holdings within your IRA?

    9
    kenneth_parker💎Premium (500k-1m)Real Investor✓ Verifiedless than a minute ago

    Hmm, I get the urge to rebalance, especially if your allocation has gotten skewed. But dumping silver entirely, or even a large chunk of it, might be a bit premature. While gold often gets the "safe haven" crown, silver does have its own unique drivers, especially with the push for green tech. Industrial demand isn't going away, and could even accelerate. Just something to consider before you swap it all out!

    8
    mark_adams👑Elite (1m-5m)Real Investorless than a minute ago

    Hey Savannah! Totally get where you're coming from. A lot of folks jumped on silver a few years back. When you're thinking about that swap, don't forget to factor in the buy/sell spreads for both metals. Sometimes those can eat more into your gains than you'd expect, especially with silver. Might be worth checking out APMEX's historical charts for a quick visual of how those spreads have moved on days you're thinking of trading.

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