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    Rebalancing - Moving from Silver Coins back to Gold?

    Key Takeaways
    • Okay, Gold IRA fam, I need some gut checks here.
    • The thought process was diversification outside of just gold, and I liked the lower entry point per unit with silver.
    • As an accountant, I really appreciate the tax-deferred growth aspect of this whole setup.
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    Okay, Gold IRA fam, I need some gut checks here. I've had about 15% of my 401k rollover (I initially moved roughly $180k into a Gold IRA back in 2020) in physical silver coins, mostly Eagles and Maples, for a few years now. The thought process was diversification outside of just gold, and I liked the lower entry point per unit with silver. As an accountant, I really appreciate the tax-deferred growth aspect of this whole setup.

    Lately though, I'm starting to wonder if it's time to rebalance a bit. With the run-up we've seen in gold, and silver being a bit more... volatile, I'm debating whether to sell a good chunk of my silver position and move it back into gold. I'm not talking about a full divestment, but maybe bringing my silver allocation down to 5-7% and putting the rest into larger gold bars or maybe even some pre-1933 gold coins (my current gold position is mostly Eagles and some Canadian Maples).

    My concern is locking in some gains on the silver side and consolidating into what feels like a more stable asset in the current economic climate. I'm based in Atlanta, and while the economy here feels pretty robust, I'm still keeping a super careful eye on inflation and geopolitical stuff. The last thing I want to do is make an emotional decision, but my gut is telling me to get more gold exposure.

    Has anyone here done something similar recently? What were your triggers for rebalancing between silver and gold within your IRA? Any big tax implications I should be aware of beyond the simple in-kind transfer if I'm staying with the same custodian? Appreciate any insights, especially from those who have navigated portfolio shifts like this.

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    6 comments

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    Best Answer▲ 15 upvotes
    R
    robert_thompson💰Established (100-250k)
    Interesting thread. I've been considering something similar with some of my pre-1933 allocated. I'm in Phoenix, and with the heat here, I actually like the smaller storage footprint of gold compared to the bulkier silver coins. My question is, for those who've done a significant rebalance like this (say, shifting >$50k from silver to gold), what kind of capital gains impact did you see on your taxes since it's all within the IRA? Did your custodian handle the 1099-B filings adequately or was there any confusion with the re-allocation?

    Comments (6)

    5
    steven_mitchell🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    Totally get where you're coming from. I ended up consolidating a good chunk of my silver Eagles into gold last year. Had a similar "diversification" thought process, but honestly, the premiums on silver felt like they were eating into any potential gains, especially compared to the more stable gold. No regrets so far, it just feels... simpler now.

    2
    matthew_murphy👑Elite (1m-5m)Real Investorabout 1 month ago

    Interesting strategy to have gone with 15% silver initially. When you say "rebalancing," are you thinking about just converting that 15% silver to gold, or are you looking at a more significant shift in your overall precious metals allocation?

    5
    joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verifiedabout 1 month ago

    Interesting thought process, but I'm not sure I entirely agree with the "rebalance back to gold" idea here. Silver has been lagging, sure, but a lot of people see that as an opportunity, not a reason to jump ship. If your original conviction for diversifying into silver was sound, why abandon it just when it might be on the cusp of a move?

    I mean, if you're truly just chasing performance, that's one thing. But if you believed in silver's fundamentals and industrial demand, those haven't really changed for the worse. Might be worth holding on a bit longer and seeing if it plays catch-up. Just a thought.

    10
    betty_king📊Growing (50-100k)about 1 month ago

    Hey, I hear you on the rebalancing dilemma. It's tough when you've got a good chunk of your portfolio in something that's underperformed for a bit. Before you make a move, you might want to consider checking out Kitco's historical gold/silver ratio charts. Sometimes seeing the long-term trends can put current fluctuations into perspective and help you decide if it's truly a good time to jump ship, or if silver might be due for a rebound relative to gold. Good luck!

    15
    robert_thompson💰Established (100-250k)Real Investor✓ Verifiedabout 1 month ago

    Interesting thread. I've been considering something similar with some of my pre-1933 allocated. I'm in Phoenix, and with the heat here, I actually like the smaller storage footprint of gold compared to the bulkier silver coins. My question is, for those who've done a significant rebalance like this (say, shifting >$50k from silver to gold), what kind of capital gains impact did you see on your taxes since it's all within the IRA? Did your custodian handle the 1099-B filings adequately or was there any confusion with the re-allocation?

    4
    james_wilson👑Elite (1m-5m)Real Investor✓ Verifiedabout 1 month ago

    Interesting dilemma, OP. I've been in a similar spot a few times. Back in 2011, I had a decent chunk in silver, thought it was about to fly. It did, briefly, then got hammered. Looking back, should've rebalanced sooner. For silver fans, check out the Silver vs Stocks comparison here on GIRAB – gives a pretty stark picture over the longer term. Might help crystallize your decision.

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