Rebalancing - need some gold and silver opinions

Charles Lewis

Back to forum

🪙 Gold Coins

Rebalancing - need some gold and silver opinions

charles_lewis💎Premium (500k-1m)

about 1 month ago

Key Takeaways

•Okay, so I've been wrestling with this for a bit and thought I'd get some takes from this community.
•My portfolio (sitting around $850k currently, mostly in traditional stocks and bonds) is probably due for a bit of a rebalance.
•I'm a lawyer in Philly, 48, so my focus has always been pretty heavily on wealth preservation.

Get the free Gold IRA guide

Okay, so I've been wrestling with this for a bit and thought I'd get some takes from this community. My portfolio (sitting around $850k currently, mostly in traditional stocks and bonds) is probably due for a bit of a rebalance. I'm a lawyer in Philly, 48, so my focus has always been pretty heavily on wealth preservation. My Gold IRA currently holds about 12% of my total portfolio, which is what I initially targeted, but with the recent market volatility, I'm thinking about upping that a bit.

My Gold IRA is almost exclusively American Gold Eagles right now. I've been happy with them – good liquidity, recognized, etc. But I'm considering maybe diversifying within the precious metals themselves. I'm looking at potentially adding some silver - probably American Silver Eagles or perhaps some Sunshine Minting rounds. The thought is that silver might have a little more upside potential if things get really rocky, and it's certainly more accessible price-wise per unit.

The question is, how much? Is pushing my precious metals allocation to, say, 15-18% of my total portfolio too aggressive right now? And for those of you who hold both gold and silver in your IRAs, what’s your typical allocation between the two? I'm leaning towards keeping gold as the dominant portion, maybe a 70/30 split gold to silver within the metals allocation, but curious if anyone sees a strong case for something different. I know everyone's situation is unique, but I'm trying to gauge the general sentiment here.

I'm not looking to dump all my stocks, obviously, but I'm feeling that familiar itch of market uncertainty. With inflation still a concern and the geopolitical landscape being what it is, I want to make sure I’m adequately hedged. Any thoughts or experiences with rebalancing into more precious metals, especially adding silver to a gold-heavy IRA, would be super helpful. What are your triggers for increasing your allocation to physical metals during market shifts?

5 comments

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →

190 people viewed this today25 members requested a free kit this week37 investors bookmarked this

Best Answer▲ 10 upvotes

sandra_green📊Growing (50-100k)

Hey, that's a decent chunk of change you're working with! When you say "mostly in traditional stocks and bonds," are we talking large-cap, small-cap, international, or a specific bond allocation? Knowing that might help tailor the advice a bit more for your gold/silver play.

Comments (5)

linda_taylor📊Growing (50-100k)✓ Verified•about 1 month ago

Man, I hear you on this. I'm a few years younger, but in a similar boat with a mostly traditional portfolio. Just went through a rebalance myself and seriously considered adding more gold/silver. Ended up putting a chunk into a Gold IRA, actually, and feel a lot more comfortable with the hedge against inflation. It's a tough call figuring out that ideal percentage, though.

sandra_green📊Growing (50-100k)✓ Verified•about 1 month ago

joshua_phillips🏆Advanced (250-500k)Real Investor✓ Verified•about 1 month ago

Interesting approach, but I'm not sure getting *too* heavy into precious metals for rebalancing is always the best move, especially if you're already concerned about growth. Yes, they can be a hedge, but they don't generally offer the same growth potential as equities. For someone with your time horizon and current portfolio size, wouldn't a more diversified equity play make more sense for that growth aspect, and then maybe a smaller, strategic allocation to gold/silver for true diversification?

I hear you on the inflation concerns, but sometimes people overcorrect. Just a thought!

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•about 1 month ago

Hey, that's a solid portfolio you've built up! For rebalancing into gold and silver, have you looked into the tax implications of an "in-kind" transfer if you're pulling from an existing 401k or IRA? Sometimes it's simpler to do a direct rollover to a Gold IRA custodian who handles the physical metal side. Investopedia has a pretty good breakdown of the process and things to watch out for.

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•about 1 month ago

Totally agree with the rebalancing idea. I'm a bit younger (39, also in law, but out here in Cali), and I've been slowly increasing my gold and silver allocation for the past year or so. Started with about 5% and just bumped it to 8% after seeing the latest inflation numbers. Feels good to have some tangible assets in the mix.

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →