Rebalancing - Less gold, more silver? Or stay course?

Michael Anderson

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Rebalancing - Less gold, more silver? Or stay course?

michael_anderson🏆Advanced (250-500k)

about 4 hours ago

Key Takeaways

•I initially went pretty heavy on gold, probably 80/20 gold to silver, because I just saw it as the ultimate safe haven.
•The construction business can be feast or famine, and I’m all about tangible assets you can actually hold, not just numbers on a screen.
•My portfolio's grown nicely since then, pushing close to the 500k mark, which is great.

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Alright, so I’ve been sitting on my Gold IRA for a solid 5 years now, started back when I was really feeling the pinch from the commercial real estate market looking shaky (turns out I was right, partially anyway). I initially went pretty heavy on gold, probably 80/20 gold to silver, because I just saw it as the ultimate safe haven. The construction business can be feast or famine, and I’m all about tangible assets you can actually hold, not just numbers on a screen.

My portfolio's grown nicely since then, pushing close to the 500k mark, which is great. But now I'm looking at things and wondering if I should rebalance a bit. The gold's done its job – preserved capital and a bit more. But silver seems to have more upside potential now, especially with all the industrial demand chatter. I'm based in Chicago, so I hear a lot of talk from other contractors and industrials, and it seems like silver is poised for a bit more action than gold in the short to mid-term.

I'm leaning towards shifting maybe 10-15% of my gold into silver to get closer to a 70/30 or even 65/35 split. My gut says diversify a bit more within the precious metals space, but my conservative side is saying "gold is gold, don't mess with a good thing." Anyone else in a similar boat, or have you recently rebalanced a significant chunk of your precious metals IRA? What's been your reasoning for pushing more into silver, or conversely, staying heavily weighted in gold?

I feel like I had a clear strategy when I started, but as the market shifts, so should my thinking, right? Just want to tap into the collective wisdom here before I start making any moves. Building a company from the ground up teaches you to trust your instincts, but it also teaches you to ask for advice when you're not 100%.

5 comments

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Best Answer▲ 10 upvotes

ashley_baker💼Starter (0-50k)

Honestly, I'd say stick to your guns, at least for now. Everyone and their grandma is talking about silver's potential right now, which sometimes makes me nervous. When the crowd rushes one way, it's often a good time to consider the opposite. Gold has been the long-term stable anchor for a reason, and if your initial thesis for going heavy gold still holds up for your personal situation, why mess with a good thing just because silver's having a moment?

Comments (5)

mark_adams👑Elite (1m-5m)Real Investor•less than a minute ago

Totally get this! I had a similar thought process a few years back. My initial setup with my Gold IRA was probably 70/30 gold to silver, and I remember looking at it thinking, "should I really be this gold-heavy?"

I didn't make any drastic changes, but I did slightly increase my silver allocation on subsequent contributions. Interesting to hear your take on the commercial real estate, too!

joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verified•less than a minute ago

Interesting strategy to go so heavy on gold initially. I'm curious, what made you decide on that 80/20 split between gold and silver back then, specifically?

ashley_baker💼Starter (0-50k)✓ Verified•less than a minute ago

james_wilson👑Elite (1m-5m)Real Investor✓ Verified•less than a minute ago

Hey there! Sounds like you've been smart with your Gold IRA. When thinking about rebalancing, especially between gold and silver, it can be helpful to consider the gold-to-silver ratio. It often swings quite a bit, and knowing where it stands can give you some clues about potential opportunities. Historically, a super high ratio can sometimes suggest silver is undervalued relative to gold.

There are some great resources out there that track this ratio in real-time, which could help inform your decision. Just search for "gold to silver ratio historical chart" and you'll find plenty to dig into!

brian_edwards🌟Ultra (5m+)Real Investor✓ Verified•less than a minute ago

Totally feel this. I went heavy gold too, probably 70/30 at first. It felt like the safest bet when things were looking rough.

I've actually been considering something similar lately. My portfolio is more 85/15 now just from price appreciation, and part of me wants to trim some gold to pick up more silver while it's still relatively undervalued compared to gold. It seems like a good way to get more upside if silver really takes off, without completely ditching my gold stability. Good to know I'm not the only one thinking about this!

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