Silver vs. Gold in a $350k IRA - What's Your Play?

Michael Anderson

Back to forum

⭕ Gold Rounds

Silver vs. Gold in a $350k IRA - What's Your Play?

michael_anderson🏆Advanced (250-500k)

about 4 hours ago

Key Takeaways

•Okay, so I'm sitting here looking at my self-directed IRA, currently hovering around the $350k mark.
•Most of it's in physical gold because, honestly, I just sleep better at night knowing it's there.
•As a guy who builds things for a living, I get tangible assets.

Download the free rollover checklist

Okay, so I'm sitting here looking at my self-directed IRA, currently hovering around the $350k mark. Most of it's in physical gold because, honestly, I just sleep better at night knowing it's there. As a guy who builds things for a living, I get tangible assets. Paper money and digital numbers just don't hit the same as holding a 1oz Buffalo in your hand. I'm in Chicago, watching the market do its thing, and I'm feeling pretty solid on my gold position right now, especially with all the talk about interest rates and inflation.

My question for you all is about silver. I’ve got about 10% of my precious metals allocation in silver – mostly Eagles and Maples. I know a lot of folks here are big on silver's industrial demand and its lower price point for potential upside. Part of me thinks I should be upping that silver percentage, maybe to 20-30% of my metals, instead of keeping it largely a gold-dominated portfolio. The volatility in silver sometimes makes me pause, but then I see the potential for a bigger percentage swing if things really go sideways.

Anyone here with a similar portfolio size or a similar split? What's your reasoning for your allocations? Are you heavily weighted in gold, or are you betting big on silver? Should I be diversifying more into silver given its recent performance, or stick to my guns with gold as the primary hedge? Appreciate any insights folks have.

4 comments

12,000+ investors requested this guide last month

Find out why retirees are moving savings into gold. Free kit, no obligation.

Under $100k? Compare options →

51 people viewed this today6 members requested a free kit this week9 investors bookmarked this

Best Answer▲ 8 upvotes

paul_hill🏆Advanced (250-500k)

Totally get where you're coming from with the "sleep better at night" thing. I had a similar experience a few years back, didn't have as much as you but was looking to diversify my retirement a bit more concretely. Ended up going mostly gold too, but threw a smaller chunk into silver just for the industrial demand aspect. It's been interesting to watch the movements since then!

Comments (4)

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

Totally get the tangible asset thing – makes perfect sense for someone who builds for a living. Out of curiosity, what kind of split are you thinking with the silver? Like, 10-15% or something more substantial for that $350k?

sandra_green📊Growing (50-100k)✓ Verified•less than a minute ago

I hear you on the tangible assets, but I gotta ask, are you sure gold's the only thing giving you that peace of mind? With $350k, it might be worth considering a small diversification into something like real estate or even some dividend-paying stocks. Gold is great, but putting *all* your eggs in one basket, even a shiny gold one, still carries its own set of risks, especially when you're talking about retirement.

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

Hey, that's a solid setup you've got! It's smart to stick with what brings you peace of mind. For anyone else weighing silver vs. gold, a good rule of thumb I've heard is to consider the gold-to-silver ratio. It can give you a historical perspective on which might be undervalued at any given time. There are a bunch of sites that track it daily, like GoldPrice.org. Could be a useful little tool for future adjustments!

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 →