Silver vs. Gold Allocation - Thinking About My Gold IRA

Betty King

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Silver vs. Gold Allocation - Thinking About My Gold IRA

betty_king📊Growing (50-100k)

about 11 hours ago

Key Takeaways

•Okay, so I’ve had my Gold IRA for a little over two years now, and it’s sitting pretty at around $85k.
•My husband, bless his heart, started it for us shortly before he passed, and keeping it strong feels like such a tangible way to honor his foresight.
•Right now, it's almost entirely gold.

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Okay, so I’ve had my Gold IRA for a little over two years now, and it’s sitting pretty at around $85k. My husband, bless his heart, started it for us shortly before he passed, and keeping it strong feels like such a tangible way to honor his foresight. We're based here in Raleigh, and honestly, seeing the consistency with the precious metals has been a huge comfort given everything else going on globally.

Right now, it's almost entirely gold. I'm talking probably 90%+ gold bullion and a small 5-10% in some specific gold coins that he was really fond of. I’ve been reading a lot about the silver market lately – all the industrial demand, the lower price point which seems to offer more upside potential if it really takes off. It’s got me wondering if I’m missing a trick by having so little silver in the mix. I know they say gold is the ultimate safe haven, and I agree, but diversification within the precious metals seems smart too, right?

I’m not looking to make drastic changes, but I’ve been playing with the idea of maybe rebalancing to more like 70/30 gold to silver over the next year or so. The thought of allocating maybe $10k or $15k into silver gives me a little pause because it feels like stepping away from "his" plan, but also, he was always about smart investing. For those of you with Gold IRAs, especially if your portfolio is in a similar range, what's your gold/silver split look like? Did you actively decide on a ratio, or did it just evolve?

Are there any specific types of silver that you've found perform well in an IRA? I'm mostly familiar with the standard American Silver Eagles or Canadian Silver Maples, but open to learning more about other options if they make sense. Any advice or experiences would be incredibly helpful as I try to navigate this. Thanks in advance!

3 comments

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Best Answer▲ 9 upvotes

jason_morgan💰Established (100-250k)

Hey, I totally get what you mean. My grandma actually set up a silver allocation for me years ago, and I never really thought much of it until recently. Now, with all the economic weirdness, I'm so glad she did. It's truly a testament to their foresight, isn't it? Congrats on keeping his legacy alive!

Comments (3)

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

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

Hey there, I'm so sorry for your loss. It's really touching that you're honoring his memory in this way. I'm curious, when you say "it's sitting pretty," are you referring to its performance over the last two years, or just its current valuation? Wondering about the growth you've seen.

ruth_perez📊Growing (50-100k)•less than a minute ago

I hear you on the gold, and it's a beautiful way to honor your husband's memory. However, while gold has its merits, have you considered diversifying a bit more beyond just those two metals? With $85k, there are other avenues for growth and stability within a self-directed IRA that might offer a different kind of hedge or even better returns depending on your risk tolerance. It might be worth a chat with a financial advisor who specializes in alternative investments, just to explore what else is out there.

The biggest mistake retirees make with their 401(k)

Most people don't diversify until after a crash. Get the free guide and protect your nest egg.

Under $100k? Compare options →