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    Silver stacking as a complement to my Gold IRA - anyone else here doing the same?

    Key Takeaways
    • β€’Been seeing a lot of talk here about gold, but wanted to chime in on the flip side of the PM coin - physical silver stacking.
    • β€’That's where silver bars and coins have come in for me over the last four years.
    • β€’My strategy isn't super complicated, but it’s been working out.
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    Been seeing a lot of talk here about gold, but wanted to chime in on the flip side of the PM coin - physical silver stacking. For context, I’ve got a comfortable six-figure Gold IRA running (just over $300k now, actually), but I also believe in keeping some physical assets closer to home. That's where silver bars and coins have come in for me over the last four years.

    My strategy isn't super complicated, but it’s been working out. I try to put about $1,000-$1,500 into silver each quarter, focusing on well-known government-minted coins like Eagles and Maples, and then some 10oz and 100oz bars from reputable refiners. The goal isn't necessarily day-to-day liquidity – my IRA handles my primary retirement goals – but more about having tangible wealth outside of the financial system. Call me old-school, but coming from an industry like bourbon where things age and improve, I appreciate assets with a similar legacy feel. I'm based in Lexington, KY, and there’s a great local coin shop that I trust, and they sometimes have good deals pop up. It beats paying shipping and premiums online if I can avoid it.

    I know some folks here are all about maximizing gold exposure given its historical performance, but I like the lower entry point and higher upside potential of silver on a percentage basis, especially if we see some real inflation kick in. It feels like a solid hedge against currency devaluation alongside my gold holdings. Plus, there's always that tiny part of me that just enjoys holding something real, not just a number on a statement. Anyone else here splitting their physical PM strategy between a significant Gold IRA and smaller, ongoing silver purchases? What are your thoughts on geographical diversification with precious metals? I've been thinking about getting a safety deposit box in a different state for some of these physical assets.

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    Best Answerβ–² 10 upvotes
    L
    linda_taylorπŸ“ŠGrowing (50-100k)

    Hey, that's really interesting! I've been mostly focused on gold myself, but the idea of diversifying with silver has crossed my mind. When you mention "physical silver stacking," are we talking about coins, bars, or a mix of both? And do you store it all yourself or use a depository?

    Comments (5)

    1
    laura_sanchezπŸ’°Established (100-250k)Real Investorβœ“ Verifiedβ€’about 1 hour ago

    Totally! I'm doing something similar. My Gold IRA is my primary, "don't touch this ever unless the world is ending" fund, but I stack silver and some smaller gold coins for more immediate liquidity or if I just want to feel something tangible. It’s a nice balance, IMO.

    10
    linda_taylorπŸ“ŠGrowing (50-100k)βœ“ Verifiedβ€’about 1 hour ago

    Hey, that's really interesting! I've been mostly focused on gold myself, but the idea of diversifying with silver has crossed my mind. When you mention "physical silver stacking," are we talking about coins, bars, or a mix of both? And do you store it all yourself or use a depository?

    2
    sandra_greenπŸ“ŠGrowing (50-100k)βœ“ Verifiedβ€’about 1 hour ago

    That's an interesting approach, and I can definitely see the appeal of diversifying with silver alongside a gold IRA. However, I've always been a bit more cautious about physical silver as a *long-term* store of value compared to gold. While it has its moments, the price volatility and larger spread between buying and selling silver can eat into returns, especially if you're not planning to hold it for a very, very long time. For me, the portability and concentrated value of gold still make it the primary choice for wealth preservation in a retirement account.

    2
    joshua_phillipsπŸ†Advanced (250-500k)Real Investorβœ“ Verifiedβ€’about 1 hour ago

    Nice post! Always good to hear about folks diversifying their precious metals, even within the PM space. Silver definitely has a different risk/reward profile than gold, and can be a great addition.

    One thing I'd suggest checking out, if you haven't already, is the premium differences on various silver products. Sometimes buying larger bars can significantly reduce your premium per ounce compared to smaller rounds or coins, especially if you're stacking a decent amount. Might save you a few bucks in the long run!

    4
    elizabeth_johnsonπŸ’°Established (100-250k)Real Investorβœ“ Verifiedβ€’about 1 hour ago

    Totally! I'm doing the exact same thing. My Gold IRA is my bedrock, but I've been steadily accumulating physical silver over the last couple of years. It's a nice hedge, and frankly, I just like holding the stuff. My Gold IRA is around the same size as yours, and my silver stack is probably about 10-15% of that. Feels like a good balance.

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