Sticking with mostly gold for my IRA, anyone else?

Gary Stewart

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Sticking with mostly gold for my IRA, anyone else?

gary_stewart📊Growing (50-100k)

less than a minute ago

Key Takeaways

•Been seeing a lot of chatter lately about silver in an IRA, and it's got me thinking about my own strategy.
•I've got a decent chunk, about $70k, parked in my Gold IRA right now, and almost all of it is in gold.
•Like, 90%+ is gold bullion, with just a tiny sliver (pun intended, ha) in silver coins.

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Been seeing a lot of chatter lately about silver in an IRA, and it's got me thinking about my own strategy. I've got a decent chunk, about $70k, parked in my Gold IRA right now, and almost all of it is in gold. Like, 90%+ is gold bullion, with just a tiny sliver (pun intended, ha) in silver coins. I’m out here in Fresno, running my operation, and the volatility of agriculture is enough for me, so I really like the stability gold offers as a bedrock for my retirement.

My reasoning has always been pretty simple: gold is the ultimate safe haven. When things get squirrely, and believe me, living through some of these market swings and dealing with crop prices, I've seen plenty of squirrely, gold is what people flock to. I got into this whole real assets thing after seeing too many paper profits evaporate. For an IRA, where I'm not really trying to get rich quick but preserve wealth and have something tangible, gold just feels like the right play. It's held its value for thousands of years, and I don’t see that changing.

But then I see posts about the gold-to-silver ratio and how silver has more upside potential. I get it, the industrial demand angle is interesting. I've just always viewed silver as more volatile, more of a speculative play. For my retirement money, I'm looking for steady and reliable, not necessarily chasing the next big jump. I'm 55 next year, so my risk tolerance isn't what it used to be. I like knowing what I have is solid.

Anyone else in a similar boat? Are you heavily weighted towards gold in your IRA, or have you diversified more into silver? Am I being too conservative here, or is a predominantly gold allocation the smart move for long-term wealth preservation, especially as I get closer to drawing on these funds? Would love to hear some other perspectives, especially from folks who've been doing this Gold IRA thing for a while.

4 comments

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Best Answer▲ 8 upvotes

linda_taylor📊Growing (50-100k)

Honestly, 90%+ in gold feels a bit concentrated even for a precious metals IRA. I get the appeal of gold as the ultimate safe haven, but missing out on potential gains from silver feels like leaving money on the table, especially with its industrial demand.

You mention the chatter about silver for IRAs – there's a reason for that. It might be worth a closer look at rebalancing, even if it's just to a 70/30 split or something similar. Just my two cents, but diversification within the precious metals space can't hurt!

Comments (4)

andrew_roberts👑Elite (1m-5m)Real Investor✓ Verified•less than a minute ago

Totally feel this! I'm in a pretty similar boat. My Gold IRA is probably 85% gold, mostly 1oz Eagles and some Maples. I dabbled with a little silver a while back, but honestly, the premiums felt a bit high and the storage space was eating into my gold allocation too much. Just feels more straightforward sticking primarily with gold for the bulk of it. Good to know I'm not the only one!

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

Hey, interesting strategy!

You mentioned you have a "tiny sliver" of silver coins – what made you decide to include those rather than just sticking 100% with gold? Was it a hedge, or just for diversification?

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

donald_nelson💎Premium (500k-1m)Real Investor✓ Verified•less than a minute ago

Totally get sticking with what you know for your Gold IRA, especially with that amount. While silver can definitely add some diversification, it's smart to stay informed. A good resource for comparing different precious metals for IRAs is often found on the IRS website itself, or reputable custodian sites. They usually break down the specifics and pros/cons pretty well. Just search for "IRS approved precious metals IRA" – might give you some solid data points if you're ever curious to adjust that sliver!

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