Rebalancing - Feeling the itch, but what's next?

Donna Rogers

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Rebalancing - Feeling the itch, but what's next?

donna_rogers🏆Advanced (250-500k)

about 2 months ago

Key Takeaways

•Alright, so I’ve been looking at my portfolio over the last few weeks, and it's getting that rebalancing itch.
•Original plan was to keep 10-15% in gold/silver, mostly through my Gold IRA.
•I’m up to about 18% now thanks to some nice runs, especially with everything going on economically.

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Alright, so I’ve been looking at my portfolio over the last few weeks, and it's getting that rebalancing itch. Original plan was to keep 10-15% in gold/silver, mostly through my Gold IRA. I’m up to about 18% now thanks to some nice runs, especially with everything going on economically. It's been great to watch, honestly, especially having dealt with the '08 crash a bit back then, seeing how little the traditional markets protected folks. It makes a strong case for truly diversified assets, and I'm glad I leaned into that philosophy early.

My total portfolio is hovering around the $350k mark, and a good chunk of that has been in the Gold IRA for a couple of years now. I'm in the bourbon industry down here in Lexington, and while business is good – people always find a reason to celebrate or commiserate with a good drink – I'm also conscious of protecting what I've built. I tend to be drawn to those legacy businesses, the ones that have stood the test of time, and that's exactly how I view precious metals. It’s not just about the numbers for me; it’s about stability and a proven track record that makes me sleep better at night.

Here’s the rub: do I trim the gold and reallocate, or do I just let it ride a bit longer, thinking the economic turbulence isn't going anywhere soon? I’ve been looking at that Retirement Planner tool I found recently, and it's really making me think about the long-term impact of these allocations. It's one thing to see growth, but another to ensure it aligns with my overall retirement goals. What are others doing when their precious metals allocation naturally grows beyond their initial target? Is everyone strictly sticking to their percentage, or are some of you riding the wave a bit longer given the current climate?

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3 comments

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Best Answer▲ 10 upvotes

james_wilson👑Elite (1m-5m)

Totally get that itch, it's a good problem to have when things are running hot! When you say "nice runs," are you talking about the physical gold/silver you hold in the IRA, or are you also counting some gold/silver ETFs/mining stocks outside of it?

Comments (3)

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•about 2 months ago

Totally get this feeling! I had a similar situation last year where my gold holdings just kept climbing. Hit nearly 20% when my target was 10-12%. Felt good to see the gains, but also slightly unnerving to be that overweight. Ended up nudging a bit out to shore up some other positions that were lagging. It's a good problem to have, honestly!

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•about 2 months ago

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

I hear you on the rebalancing itch, it's a natural feeling when things shift. But honestly, if your gold/silver allocation is up to 18% because of "nice runs" and "everything going on economically," isn't that kind of... *exactly* what you wanted your gold to do?

I mean, the whole point of having it was likely as a hedge, and it's doing its job. Cutting back now might feel like you're taking profits, but it could also be selling off the very asset that's performing its defensive role when you need it most. Just a thought.

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