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    Silver stacking for retirement - what are your targets?

    Key Takeaways
    • Okay, so I've been pretty heavy into gold for my Gold IRA, especially with all the talk about inflation and the dollar's stability.
    • It’s been great for diversifying away from just stocks and bonds, which frankly, some days just make my head spin with volatility.
    • Lately though, I’ve been thinking more about silver for my personal, non-IRA holdings.
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    Okay, so I've been pretty heavy into gold for my Gold IRA, especially with all the talk about inflation and the dollar's stability. My portfolio is sitting comfortably around the $180k mark right now, mostly in physical gold within the IRA structure because, as an accountant, I really appreciate those tax benefits. It’s been great for diversifying away from just stocks and bonds, which frankly, some days just make my head spin with volatility.

    Lately though, I’ve been thinking more about silver for my personal, non-IRA holdings. I’ve started a small stack of physical silver bars – nothing crazy, maybe about $5k worth so far, mostly 10oz and 100oz bars. My thought process here is that while gold is my big, stable hedge, silver has that potential for bigger upward swings, especially with its industrial demand. I’m in Atlanta, and I see so many tech companies moving here, which makes me think that demand isn't going anywhere. I'm not looking for a quick buck, but more of a long-term play outside of my retirement accounts.

    My strategy is to try and dollar-cost average into silver whenever there's a dip, aiming to get to about $20k-$25k worth over the next 3-5 years. I'm looking at it as a smaller, more speculative but still relatively safe part of my overall investment strategy. I'm already pretty maxed out on my other retirement vehicles, so this is just extra icing on the cake for future security. Has anyone else gone this route – heavy gold in IRA, then silver for personal holdings? What are your thoughts on that kind of diversification?

    I'm particularly interested in how others manage their price targets for buying silver. Are you setting specific price points you want to hit before you buy, or just buying consistently regardless of the smaller fluctuations? Also, any recommendations on where to buy larger silver bars (100oz+) that you've had good experiences with? I’ve been using a local dealer here in Georgia for my smaller stuff, but might need to look online for bigger quantities.

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    4 comments

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    Best Answer▲ 6 upvotes
    W
    william_davis💎Premium (500k-1m)

    Interesting! You mentioned a "Gold IRA structure." Are you talking about actual physical gold held by a custodian in a vault somewhere, or something else that allows you to hold gold for retirement within the IRA rules?

    Comments (4)

    3
    diane_bailey💰Established (100-250k)Real Investorabout 1 month ago

    Totally get this! I'm in a similar boat, though not quite at your level yet. My Gold IRA is mostly gold, but I've been eyeing silver for the same reasons. Been slowly accumulating physical silver outside my IRA, just for diversification and because it feels like it has so much more upside potential right now. No hard targets yet, just stacking what I can afford each month. It's a marathon, not a sprint, right?

    6
    william_davis💎Premium (500k-1m)Real Investorabout 1 month ago

    Interesting! You mentioned a "Gold IRA structure." Are you talking about actual physical gold held by a custodian in a vault somewhere, or something else that allows you to hold gold for retirement within the IRA rules?

    5
    linda_taylor📊Growing (50-100k)✓ Verifiedabout 1 month ago

    Interesting approach focusing so heavily on gold! While I totally get the appeal of gold as a foundational asset, I've actually been leaning more towards a solid mix of gold and platinum myself for my precious metals IRA. I feel like platinum sometimes gets overlooked but has some serious industrial demand backing it up, which could lead to some interesting growth potential that pure gold might not always offer. Plus, diversification, right? Just a thought!

    1
    diane_bailey💰Established (100-250k)Real Investorabout 1 month ago

    Hey, that's awesome you're looking into silver for diversification! While gold gets a lot of the spotlight for IRAs, silver definitely has its place, especially with industrial demand.

    One thing I found super helpful when researching ratios and targets was checking out historical gold-to-silver ratio charts. It can give you a good sense of when silver might be undervalued compared to gold. There are a bunch of free resources online if you just search "gold silver ratio historical chart." Good luck!

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