Silver vs. Gold in my IRA - what's the split for others?

Ruth Perez

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Silver vs. Gold in my IRA - what's the split for others?

ruth_perez📊Growing (50-100k)

1 day ago

Key Takeaways

•Been thinking a lot about the allocation in my Gold IRA lately, specifically the silver to gold ratio.
•I've got a decent chunk in there now, somewhere around $75k, and it's mostly gold.
•I'm a government employee here in Albuquerque, so this IRA is a big part of how I'm supplementing my pension down the line.

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Been thinking a lot about the allocation in my Gold IRA lately, specifically the silver to gold ratio. I've got a decent chunk in there now, somewhere around $75k, and it's mostly gold. I'm a government employee here in Albuquerque, so this IRA is a big part of how I'm supplementing my pension down the line. It's been a relief knowing it's there as a hedge against inflation and general economic weirdness, especially with everything going on.

My initial thought was to go heavy on gold for stability, but I've been reading more about silver's industrial demand and its potential for bigger percentage gains, even if it's more volatile. It makes me wonder if I'm missing out by not having a more significant silver position. Right now, it's probably 80/20 gold to silver, maybe even 90/10. I know silver can take bigger dips, but the idea of it popping off in a significant way is pretty appealing for long-term growth.

Anyone else in a similar boat, perhaps using precious metals to shore up their retirement? What kind of percentages are you running for gold vs. silver in your IRA? Are you leaning more into silver now, or sticking with a higher gold allocation? Any seasoned investors have strong opinions on this? And totally unrelated, but something I was looking at the other day – for those closer to retirement, have you checked out that RMD Calculator at Gold IRA Blueprint? I started playing around with it and it really makes you think about future distributions!

4 comments

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Best Answer▲ 10 upvotes

joyce_cooper📊Growing (50-100k)

Hey, I hear you on this! I was in a similar boat a few years back with my IRA. Had almost all gold, then started looking at silver's potential. Ended up doing a 70/30 gold-to-silver split after a lot of research, and I've been pretty happy with it so far. Diversification always feels good, especially when you're thinking long-term.

Comments (4)

sharon_evans💰Established (100-250k)Real Investor•1 day ago

Interesting! You mentioned most of your $75k is in gold already. When you say "mostly gold," what kind of percentage are we talking about? Like, 80/20? 90/10? Just curious how heavily weighted you're leaning already.

joyce_cooper📊Growing (50-100k)✓ Verified•1 day ago

janet_cook📊Growing (50-100k)•1 day ago

Hey, I hear you on the gold-heavy IRA. It's definitely the classic choice for a reason. But for me, personally, I've found a slightly higher silver allocation to be pretty beneficial. While gold holds its value, silver has that wild card potential for bigger swings, especially with industrial demand growing. Just something to consider for a bit more diversification in your precious metals. Everyone's risk tolerance is different, though!

richard_garcia👑Elite (1m-5m)Real Investor•1 day ago

Hey, that's a great question about the silver/gold split. It really depends on your goals, but a common strategy I've seen discussed is a 70/30 or 80/20 gold-to-silver ratio. Gold tends to be the more stable long-term store of value, while silver can offer more upside potential but also more volatility.

For some deeper dives and different perspectives, you might find articles from sites like Forbes Advisor or even Charles Schwab helpful. They often break down the pros and cons of each metal in an IRA context. Good luck with your decision!</

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