Rebalancing - Time to offload some silver bars?

Matthew Murphy

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Rebalancing - Time to offload some silver bars?

matthew_murphy👑Elite (1m-5m)

about 4 hours ago

Key Takeaways

•So, I'm sitting here in Dublin, OH, looking at my portfolio—mostly gold, obviously, but a decent chunk of it is in silver bars.
•My portfolio hovers around the $3 million mark, and the gold has done its job, maintaining value and then some.
•The silver, though...

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So, I'm sitting here in Dublin, OH, looking at my portfolio—mostly gold, obviously, but a decent chunk of it is in silver bars. I cashed out of my tech startup a few years back, and I've been pretty comfortable with my allocation, probably a 75/25 Gold/Silver split in physical bullion terms within my IRA. My portfolio hovers around the $3 million mark, and the gold has done its job, maintaining value and then some. The silver, though... it’s been a bit of a rollercoaster.

I bought a lot of those 100oz bars when silver was in a dip a couple of years back, thinking it had nowhere to go but up significantly. And it has seen some nice pops, don't get me wrong. But I'm starting to wonder if I'm over-exposed. I keep seeing these forecasts for gold hitting crazy numbers, and while silver often follows, its volatility feels amplified right now. My Gold IRA specialist always advises against emotional decisions, but it just feels like the time to prune a bit.

My concern is this: if we see another big run-up in gold, will silver lag significantly? Or even worse, will it get hammered if there's a broader market correction that doesn't spare precious metals? I'm thinking of rebalancing to more like 90/10 or even 95/5 gold/silver within the next quarter. I'd rather miss out on a little upside than get blindsided by a downturn in the silver market specifically. Has anyone else considered a similar rebalance away from silver towards gold recently, especially with a 1m-5m portfolio? What are your thoughts on silver's performance relative to gold in the near to medium term?

Is it crazy to sell a good chunk of profit-making silver now to buy more gold, or am I just being prudent?

4 comments

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Best Answer▲ 7 upvotes

matthew_murphy👑Elite (1m-5m)

I hear you on the rebalancing front. I was in a similar boat a while back, had a good chunk of silver bars from a startup payout too. Ended up paring some of it back to increase my gold position, and honestly, no regrets. Felt good to consolidate a bit. What's your gut telling you?

Comments (4)

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

linda_taylor📊Growing (50-100k)✓ Verified•less than a minute ago

Interesting split! You mentioned Dublin, OH - are you storing your bullion locally there, or using a separate vaulting service? Just curious about the logistics given your mention of physical bullion.

sharon_evans💰Established (100-250k)Real Investor•less than a minute ago

Interesting thought on rebalancing, especially with the 75/25 split. While it makes sense to periodically review, I'm not sure I'd be so quick to offload silver right now. Gold's had a good run, but silver still feels like it has a lot of upside potential, especially with its industrial demand. Might be worth holding onto for a bit longer to see if it catches up, rather than selling into what could still be an undervalued market.

elizabeth_johnson💰Established (100-250k)Real Investor✓ Verified•less than a minute ago

Hey, I hear you on the rebalancing. It's smart to review things periodically, especially with the way precious metals have been moving. When you're thinking about offloading, don't forget to factor in the potential tax implications of selling. It's not the most exciting part, but it's crucial to understand your capital gains before making a move.

You might find it helpful to look at some of the resources from the IRS or a good tax advisor specifically on collectibles if you haven't already. They can have different rules than other investments. Good luck with the decision!

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