Rebalancing - need some takes on timing my next move

Brian Edwards

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Rebalancing - need some takes on timing my next move

brian_edwards🌟Ultra (5m+)

3 days ago

Key Takeaways

•I've been watching the markets pretty closely these past few months, and frankly, the volatility in equities is making me itch.
•My Gold IRA is a decent chunk of my retirement planning – about 20% of my total portfolio, which is north of $5M right now.
•I’ve held physical gold and silver in it for about 8 years, and it's been the ballast I expected.

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I've been watching the markets pretty closely these past few months, and frankly, the volatility in equities is making me itch. My taxable accounts are mostly real estate trusts and some tech, which has been great for the last five years, but I'm looking at my overall asset allocation and thinking it's time for another rebalance, particularly with the Gold IRA portion.

My Gold IRA is a decent chunk of my retirement planning – about 20% of my total portfolio, which is north of $5M right now. I’ve held physical gold and silver in it for about 8 years, and it's been the ballast I expected. Given the current global uncertainty, I’m leaning towards increasing that allocation by another 5-7%. I know some people think that’s a lot, but staying in Aspen you see a lot of folks who are heavily weighted in precious metals. It's paid off for me before, especially after seeing my neighbor get absolutely clobbered by inflation last year, even with some prime mountain properties.

Here’s my dilemma: Do I pull the trigger now, or wait to see if the market dips further? Part of me wants to convert some of my overperforming tech stocks into more physical gold and silver immediately, locking in some gains and adding to my hedge. The other part of me is thinking about the potential for a deeper correction, which would make the conversion even more impactful. I’m comfortable with some market timing, but I'm not trying to catch a falling knife here. Anyone else grappling with similar rebalancing thoughts? What's your current strategy for precious metals given the current economic climate?

On a related note, for anyone new to this or looking to understand the mechanics, I found this Gold IRA Quiz pretty helpful when I was first exploring different custodians and storage options years ago. It’s a good way to get a feel for what’s involved without a heavy sales pitch. Always good to stay informed, especially when you're talking about significant assets.

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5 comments

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Best Answer▲ 8 upvotes

donald_nelson💎Premium (500k-1m)

Hey, I hear you on the volatility. It's enough to make anyone antsy. When you're thinking about rebalancing, especially with a Gold IRA, it's not just about market timing (which is notoriously tricky, as we all know!).

One thing that really helped me was thinking about my long-term asset allocation targets and using something like a calendar-based rebalance, or a percentage-deviation rebalance. For the latter, you basically set a threshold (e.g., 5% deviation from your target) that triggers a rebalance. Fidelity has a pretty decent article on the different approaches if you wanna dive deeper. Might give you a more systematic way to approach it rather than just trying to catch the perfect moment!

Comments (5)

ruth_perez📊Growing (50-100k)•2 days ago

Totally feel this. I've been in a similar boat with my portfolio and the tech swings have been wild. I actually just rebalanced a good chunk of my growth stocks into some physical silver a few weeks ago, just for some peace of mind. It's been an interesting shift, definitely not as exciting as watching tech pop, but sleeping better these days!

jason_morgan💰Established (100-250k)Real Investor✓ Verified•2 days ago

Totally get the itch with current market swings. When you say "real estate trusts," are you talking about REITs specifically? Or something else like direct ownership of properties within a trust structure?

helen_turner💰Established (100-250k)Real Investor•2 days ago

Totally get the itch to rebalance, especially with how wild things have been. But you mentioned *timing* your next move, and honestly, trying to time the market, even for rebalancing, is a fool's errand for most of us. You've had a great run with real estate and tech; maybe the focus should be more on your target allocation rather than trying to perfectly catch a dip or peak. Just my two cents, but it often leads to less stress in the long run.

donald_nelson💎Premium (500k-1m)Real Investor✓ Verified•2 days ago

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

Totally feel ya on the volatility. I've been eyeing my portfolio and thinking similar thoughts. My tech holdings have also been on a wild ride, and my real estate trust seems to be just treading water lately. I've actually been looking into adding more to my Gold IRA to diversify a bit, especially with all the talk about inflation and the Fed's next moves. It's tough to know the "perfect" time, but given the current climate, it seems like a solid long-term play to de-risk a bit from equities.

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