Thinking about rebalancing my gold IRA with more silver?

Sharon Evans

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Thinking about rebalancing my gold IRA with more silver?

sharon_evans💰Established (100-250k)

about 2 months ago

Key Takeaways

•$220k-230k right now, mostly gold eagles and some platinum
•gold-to-silver ratio

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Been following this sub for a while and y'all have some really solid advice. I’m an admin assistant for an oil company here in Tulsa, and honestly, I learned a lot about investing just from listening to the execs talk. My portfolio is sitting around $220k-230k right now, mostly gold eagles and some platinum I picked up a few years back. It’s been doing really well, thankfully!

Lately, though, I’ve been wondering if I should rebalance a bit and add some silver. I started with a pretty heavy gold allocation because that’s what I heard the most about, and it felt super stable. But I've been seeing a lot more discussion about silver's potential lately, especially in this forum. I originally liked the idea of it being a more accessible precious metal if things ever really went south, you know? Like for bartering or smaller transactions.

My concern is, I don't want to mess with a good thing. My gold has performed consistently, and I’m a little hesitant to shift out of it. On the other hand, a lot of folks here seem to think silver is undervalued relative to gold right now. I’ve been looking at some American Silver Eagles and even a few Kookaburras. Are any of you guys in a similar position? How are you thinking about the gold-to-silver ratio right now for long-term hold in your IRA? Is it worth potentially taking a chunk out of my gold and putting it into silver?

Also, any recommendations for reputable dealers for larger silver purchases? My current one is great for gold but their silver inventory seems a bit limited. I'm trying to avoid paying too much premium if I can help it. Thanks in advance for any insights!

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4 comments

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Best Answer▲ 8 upvotes

patricia_miller📊Growing (50-100k)

Hey, I've been in a similar spot! My gold IRA was feeling a bit heavy on just gold, and I started wondering if adding more silver would be a smart move for diversification. It’s definitely something to consider, especially with how prices have been fluctuating. Good luck with your decision!

Comments (4)

patricia_miller📊Growing (50-100k)✓ Verified•about 2 months ago

catherine_bell🏆Advanced (250-500k)Real Investor•about 2 months ago

Hey, interesting thought! When you say "rebalancing," are you talking about selling some of your existing gold to buy silver, or just adding more silver to your current holdings without touching the gold?

frank_rivera💎Premium (500k-1m)Real Investor•about 2 months ago

Hey, I hear you on wanting to diversify, but have you considered why you initially went with gold for your IRA? Gold and silver often move in similar directions, so while it adds a different metal, it might not be the diversification play you're hoping for in terms of market risk. Maybe look at other tangibles or even some high-dividend stocks within the IRA before swapping out gold for silver if diversification is the primary goal.

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

Hey, that's a smart move to consider rebalancing! Silver can definitely offer some unique benefits in an IRA, like being more industrial and having a lower price point than gold. Just a heads-up, make sure you're aware of the specific IRS rules for what types of silver coins and bars are permitted in an IRA. Not all silver is eligible. You can usually find a good list on the IRS website or from reputable precious metals dealers. Good luck!

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