Thinking about rebalancing my gold and silver in my IRA, thoughts?

Joyce Cooper

Back to forum

🥈 Silver IRA

Thinking about rebalancing my gold and silver in my IRA, thoughts?

joyce_cooper📊Growing (50-100k)

about 9 hours ago

Key Takeaways

•I’ve been eyeing my Gold IRA statement for a while now and wondering if I should shift gears a bit.
•Currently have about $75k in there, mostly gold, probably like 80/20 gold to silver.
•As a school principal here in Little Rock, I preach financial literacy to my students, and diversification is always topic number one.

Get the free Gold IRA guide

I’ve been eyeing my Gold IRA statement for a while now and wondering if I should shift gears a bit. Currently have about $75k in there, mostly gold, probably like 80/20 gold to silver. I started my Gold IRA around 2020 when I was really worried about inflation spiking after all the government spending, and honestly, it’s been a great decision. As a school principal here in Little Rock, I preach financial literacy to my students, and diversification is always topic number one. So, it feels a little hypocritical to not regularly assess my own portfolio, right?

My initial thought process was purely safety with gold, and silver was just a smaller, more accessible way to dip my toes in. But with all the uncertainty swirling around, especially globally, I’m starting to think silver might have a bit more upside potential. I mean, it’s still industrial and a precious metal. It feels like a bigger bang for your buck in a way the higher gold prices don't offer right now. Anyone else feeling this pull towards a higher silver allocation?

I'm not looking to dump all my gold, obviously. That's my bedrock. But maybe moving to a 60/40 or even 50/50 split? I'm thinking about taking some of my incoming contributions and directing them specifically to silver for a while until I hit a new ratio. What are your criteria for deciding between gold and silver in your precious metal IRAs? Do you focus more on the gold/silver ratio, or specific macro-economic indicators?

I know there's a ton of information out there, and I even point my students to resources like the Gold IRA Quiz just to get a basic understanding of how these things work. But it's different when it's your own money and you're trying to figure out the right personal strategy. Would love to hear from anyone who's made a similar pivot or has strong opinions on balancing these two metals. What are the key risks I should be thinking about if I increase my silver exposure?

5 comments

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →

55 people viewed this today6 members requested a free kit this week10 investors bookmarked this

Best Answer▲ 10 upvotes

diane_bailey💰Established (100-250k)

Hey, interesting post! When you say "shift gears a bit," are you thinking more along the lines of a 50/50 split, or something else entirely?

Comments (5)

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

Totally get where you're coming from! I had a similar situation a while back. Started with a pretty heavy gold allocation in my precious metals IRA back in '18, feeling super bullish then. Prices climbed for a bit, but I noticed my silver was actually outperforming proportionally.

Ended up rebalancing to closer to 60/40 gold/silver in 2021 and glad I did. It helped smooth out some of the volatility for me. Definitely worth looking into for your own portfolio. Good luck!

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

Hey, interesting post! When you say "shift gears a bit," are you thinking more along the lines of a 50/50 split, or something else entirely?

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

Honestly, 80/20 gold to silver sounds pretty good to me, especially with how silver has been lagging gold a bit lately. If anything, I'd consider bumping the silver % up slightly if you're looking to rebalance. It could be a good opportunity to buy low, comparatively speaking. Just my two cents, obviously NFA.

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

Hey, totally get wanting to rebalance! 80/20 is a good starting point, but it's always smart to review. When you're looking at specific ratios, keep an eye on the gold-to-silver ratio. It can give you a better idea of which one might be undervalued compared to the other. There are some good charts online that track it historicaly if you want to dig in a bit!

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

Honestly, I've been thinking the exact same thing lately! My portfolio is pretty darn similar, probably 85/15 gold to silver, and also started around 2020. I'm wondering if ramping up the silver a bit is the smart play right now, or if it's best to just let it ride. Following this thread for some good insights!

The retirement loophole most advisors won't mention

You can move your 401(k) into physical gold — tax-free. Here's the step-by-step guide.

Under $100k? Compare options →