Silver stacking for retirement - am I doing this right for the long haul?

Ruth Perez

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Silver stacking for retirement - am I doing this right for the long haul?

ruth_perez📊Growing (50-100k)

11 days ago

Key Takeaways

•Been putting serious thought into my silver strategy lately, especially with everything going on.
•My silver stack right now is probably only about $8k-$10k, mostly government-minted coins like ASEs, Maples, and a few Britannias.
•I live in Albuquerque, and honestly, finding good local deals can be a pain.

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Been putting serious thought into my silver strategy lately, especially with everything going on. As some of you know from my previous posts, I’ve got a decent chunk in a Gold IRA, around $75k-ish right now, mostly American Eagles and a few Krugerrands. That's for my main retirement supplement since I'm a government employee and already have a pension coming, but I've been dabbling in silver outside the IRA, just for some extra diversification and because I enjoy the tangible aspect of it.

My silver stack right now is probably only about $8k-$10k, mostly government-minted coins like ASEs, Maples, and a few Britannias. I live in Albuquerque, and honestly, finding good local deals can be a pain. I usually end up buying online from folks like JM Bullion or SD Bullion when they have sales or free shipping. My strategy has been to buy 5-10 oz here and there, usually when I have an extra couple hundred bucks after bills and saving for the Roth IRA. I'm not trying to get rich quick, just stacking for the very long term – thinking 15-20 years down the line when I’m actually retiring.

I guess my main question is: is this a solid strategy for silver? I know the premiums on government coins can be a bit higher, but I like the liquidity and international recognition. Part of me wonders if I should be looking at some generic rounds or bars to get more weight for my dollar, but then I worry about selling them later without taking a huge hit on the bid/ask spread. Also, with my Gold IRA being all coins, it feels consistent to keep the silver as government coins too. Anyone else in a similar boat, balancing gold in an IRA with physical silver outside of it?

I also sometimes wonder if I should just dump all my extra cash into more Gold IRA contributions instead of buying physical silver. The precious metals portion of my portfolio is close to 15% overall, and I don't want to overdo it, but the thought of having something totally outside the financial system is appealing. Thoughts?

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3 comments

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Best Answer▲ 5 upvotes

christopher_young🌟Ultra (5m+)

Okay, so I get the appeal of silver, especially for diversification, but if your main goal is "long haul retirement" alongside a Gold IRA, are you sure silver is the best bet? historically, gold has been the stability king. Silver tends to be a bit more volatile, which is great for gains if timed right, but for a bedrock retirement asset? Just something to think about.

Comments (3)

linda_taylor📊Growing (50-100k)✓ Verified•10 days ago

Hey, I hear ya on the silver! I've been doing something similar, though maybe not as aggressive. I've got my Gold IRA humming along (similar to yours, Eagles and Maples for me), but I've also been picking up silver on the side. Not a ton, just some smaller bars and rounds here and there. It feels good to have that physical buffer outside of the IRA, you know? Good luck with your strategy!

karen_robinson💼Starter (0-50k)•10 days ago

Hey, that's a solid base to start with!

You mentioned "mostly American Eagles and a few Krugerrands" in your Gold IRA. Are those specifically the silver Eagles and Krugerrands you're talking about, or is that referring to the gold in your Gold IRA?

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•10 days ago

Okay, so I get the appeal of silver, especially for diversification, but if your main goal is "long haul retirement" alongside a Gold IRA, are you *sure* silver is the best bet? historically, gold has been the stability king. Silver tends to be a bit more volatile, which is great for gains if timed right, but for a bedrock retirement asset? Just something to think about.

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