Thinking about rebalancing my gold vs. silver - anyone else?

Ruth Perez

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Thinking about rebalancing my gold vs. silver - anyone else?

ruth_perez📊Growing (50-100k)

about 3 hours ago

Key Takeaways

•Okay, so I've been doing a lot of thinking lately about my Gold IRA.
•Being in Albuquerque, I'm always trying to diversify my savings beyond just the usual stocks and bonds, especially with all the economic uncertainty.
•My current split is probably 80/20 gold to silver, maybe even 90/10.

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Okay, so I've been doing a lot of thinking lately about my Gold IRA. I've got around $75k in it right now, mostly in physical gold, which I started building up about five years ago just as a supplement to my government pension. Being in Albuquerque, I'm always trying to diversify my savings beyond just the usual stocks and bonds, especially with all the economic uncertainty.

My current split is probably 80/20 gold to silver, maybe even 90/10. I know gold is king for stability and long-term hold, but I'm wondering if I'm missing out by not having more silver in there. I've been looking at the Silver vs Stocks tool and it's pretty eye-opening to see how silver has performed against the S&P 500 over the last 10 years. Makes me feel like I might be too conservative with my silver allocation. I’m not trying to get rich quick, but I’d like to optimize where I can, especially since this is designed to be a significant part of my retirement cushion.

Anyone else in a similar boat, maybe a government employee or someone just looking to protect their savings? What's your current gold/silver allocation like? Are you leaning more into silver lately, or sticking primarily with gold? I'm torn between the traditional safety of gold and the industrial demand/upside potential of silver. Just trying to figure out if it's smart to rebalance now or if I should just hold steady. Any thoughts or experiences would be super helpful!

3 comments

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Best Answer▲ 10 upvotes

linda_taylor📊Growing (50-100k)

Hey, that's interesting. When you say "mostly in physical gold," do you mean actual coins/bars directly, or is it through a gold-backed ETF or similar? Just curious how people are structuring their physical holdings within an IRA.

Comments (3)

joseph_harris📊Growing (50-100k)•less than a minute ago

Totally get this! I'm in a similar boat, though smaller scale. Had a pretty gold-heavy setup for a while, and last year I actually did rebalance some of it into silver. Felt good to diversify a bit more. What kind of split are you leaning towards?

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

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

Interesting thought process, given the current climate. While rebalancing can definitely be smart, I'd lean towards *adding* more silver rather than selling off gold to achieve that balance, especially if you're looking for more industrial upside or inflation hedge beyond just wealth preservation. Gold's been a rock for a reason, and while silver has its moments, it can be a bit more volatile. Just something to consider before offloading a solid chunk of your gold position.

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