Stacked a ton of silver for my IRA, but kinda rethinking

Janet Cook

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Stacked a ton of silver for my IRA, but kinda rethinking

janet_cook📊Growing (50-100k)

about 2 months ago

Key Takeaways

•So, I've been running my jewelry store here in Providence for nearly 25 years.
•Seen a lot of gold and silver pass through my hands, enough to know its intrinsic value when things get squirrelly.
•That’s why, when I started seriously thinking about my retirement accounts beyond just the traditional stuff, a Gold IRA just made sense.

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So, I've been running my jewelry store here in Providence for nearly 25 years. Seen a lot of gold and silver pass through my hands, enough to know its intrinsic value when things get squirrelly. That’s why, when I started seriously thinking about my retirement accounts beyond just the traditional stuff, a Gold IRA just made sense. For years, I was really heavy into silver. Like, probably 70% of my precious metals IRA was silver Eagles, Maples, even some 10oz bars. Figured the lower price point meant more volatility and bigger upside percentage-wise when things eventually popped off.

I put about $60,000 across a few years into that silver stack. The idea was to keep building it up to six figures, mostly silver, until I hit my late 50s. But lately, with the market doing… whatever it’s doing, and seeing gold really start to move, I'm second-guessing that strategy. I'm 52 now, so RMDs are still a ways off, but I'm thinking about them more often, especially as I get closer to 70. Have any of you guys ever rebalanced significantly out of silver and into gold within your precious metals IRA? What was your reasoning? Did you regret it?

My concern is the spread on silver when it comes time to liquidate, especially needing to take those RMDs. Gold always seems to have a tighter spread, and it's just so much easier to move larger values without literally needing a forklift. I've been playing around with that RMD Calculator tool I found on Gold IRA Blueprint – really helpful for visualizing the future without actually having to do the math myself. It's making me realize that while silver is great for accumulating a lot of ounces, it might be a pain in the ass when it's time to actually pull money out for requirements.

Part of me feels like I should just stick to my original conviction, but the practical side of running a business and seeing how different metals trade is telling me to pivot. I’m thinking about selling a good chunk of that silver and allocating maybe 80-90% to gold. Is that too aggressive a shift? For those of you who’ve pulled the trigger on a similar rebalance, what did your custodian say about the process? Any unexpected fees or headaches?

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3 comments

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Best Answer▲ 6 upvotes

helen_turner💰Established (100-250k)

Man, I totally get where you're coming from. I did something similar a few years back, heavy on silver, figuring it was the 'smart' play. Now, with everything going on, I'm finding myself doing a lot more research into gold. It's not a regret, exactly, but definitely a shift in perspective. Just a different kind of peace of mind, you know?

Comments (3)

helen_turner💰Established (100-250k)Real Investor•about 2 months ago

nancy_hall💰Established (100-250k)Real Investor•about 2 months ago

Interesting! You mentioned seeing a lot of gold and silver pass through your hands. Are you talking about the sheer volume or more about market fluctuations and how that influenced your decision to stack silver for your IRA?

robert_thompson💰Established (100-250k)Real Investor✓ Verified•about 2 months ago

Hey, I hear you on the silver. It's definitely got that "real money" feel, especially with all the economic uncertainty. But from a pure IRA growth perspective, I wonder if you're leaving some potential gains on the table by focusing *so* heavily on it. Gold tends to be less volatile and has historically outperformed silver in long-term investment portfolios.

Maybe it's worth re-evaluating the percentage of your portfolio that's tied up in silver versus gold, even if you just want to diversify a bit more within precious metals?

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