Been stacking silver for a while, curious about others' strategies

Joshua Phillips

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Been stacking silver for a while, curious about others' strategies

joshua_phillips🏆Advanced (250-500k)

about 2 hours ago

Key Takeaways

•Started really getting into physical silver about 4-5 years ago, right around when I was really starting to beef up my retirement accounts.
•My dad was always big into hard assets, being in steel for so long up in Bessemer, so it just made sense to me.
•Started out small, just some junk silver and a few 1oz rounds, but it's really grown into a decent part of my portfolio now.

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Thought I'd share some of my experience since I've been in the silver game for a bit now, maybe get some thoughts and see how others are approaching it. Started really getting into physical silver about 4-5 years ago, right around when I was really starting to beef up my retirement accounts. Had about $300k in my IRA at the time, and after seeing what happened in '08 with all the paper assets, I just had this gut feeling that having some tangible wealth was smart. My dad was always big into hard assets, being in steel for so long up in Bessemer, so it just made sense to me. Started out small, just some junk silver and a few 1oz rounds, but it's really grown into a decent part of my portfolio now.

My strategy has evolved over time. Initially, it was just pure accumulation – buy whatever I could get my hands on at a decent premium. Now, it's more about strategic diversification and maintaining a certain percentage of my total wealth in physical precious metals, primarily silver. I've got a mix of 10oz bars, a few Kilos, and a good chunk of Eagles and Maples. I really like the liquidity of the smaller coins, but the larger bars make me feel like I'm really holding something substantial. I'm aiming for about 10-15% of my overall portfolio to be in metals, with silver making up the bulk of that due to its industrial demand and relatively lower price point compared to gold. I'm still in accumulation mode, buying dips whenever I see them, usually a few hundred ounces every quarter or so.

One thing I've been thinking about more lately is how to best integrate this into my long-term retirement planning. I've been using that Retirement Planner tool I found a while back, which has been helpful for modeling different scenarios, especially with precious metals. It's given me a clearer picture of how my silver stack fits into the bigger picture. Are any of you guys specifically planning for how you'll eventually liquidate or utilize your stacked silver in retirement? Or is it more of a "break glass in case of emergency" asset for you?

Also, given the current economic climate, what are your thoughts on silver's performance over the next 5-10 years? I'm pretty bullish, especially with the push for green energy and more industrial demand, but I'm always open to hearing other perspectives. Anyone here seeing different trends or making adjustments to their stacking strategy based on current events?

4 comments

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Best Answer▲ 8 upvotes

thomas_walker🏆Advanced (250-500k)

Interesting approach, OP. While I get the appeal of physical silver as a tangible asset, it's always struck me as a bit... inefficient for a retirement portfolio. I mean, the storage, the potential for sales tax depending on your state, and the wider spread compared to gold. For diversification, sure, but as a primary retirement play, I'd lean more heavily into gold for its liquidity and more established role as a monetary metal. Just my two cents, though!

Comments (4)

karen_robinson💼Starter (0-50k)•less than a minute ago

Hey, that's awesome you've been at it for so long! I'm in a pretty similar boat, actually. Started my stack probably around 3 years ago when I began looking at alternative investments for retirement. It's been a fun journey, seeing how my strategy has evolved from just buying whatever was cheapest per ounce to now focusing more on specific types of coins/bars. What's been the biggest change in your approach over the years?

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

Hey, cool post! I'm curious, when you say you started beefing up your retirement accounts around the same time, was that a conscious decision to diversify with silver *because* of your retirement planning, or were they more separate endeavors that just happened concurrently?

thomas_walker🏆Advanced (250-500k)Real Investor✓ Verified•less than a minute ago

Interesting approach, OP. While I get the appeal of physical silver as a tangible asset, it's always struck me as a bit... inefficient for a retirement portfolio. I mean, the storage, the potential for sales tax depending on your state, and the wider spread compared to gold. For diversification, sure, but as a primary *retirement* play, I'd lean more heavily into gold for its liquidity and more established role as a monetary metal. Just my two cents, though!

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

Hey, that's awesome you've been consistent with silver stacking! It's a great hedge. One thing I've found super helpful, especially when thinking long-term like you are with retirement, is to keep an eye on the gold-to-silver ratio. It can sometimes give you a good feel for when one might be relatively undervalued compared to the other.

There are a few sites that track it daily, but just searching "gold silver ratio chart" will bring up a bunch. Could be a useful little tool to add to your strategy if you haven't already!

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