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    Thinking about rebalancing my gold/silver - what's

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    Key Takeaways
    • Been thinking a lot lately about my precious metals allocation, specifically the gold to silver ratio.
    • My reasoning has always been gold for wealth preservation, pure and simple.
    • It’s held its value through thick and thin, and it’s a tangible asset I can hold in my hand, which means a lot to an old-school guy like me.
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    Been thinking a lot lately about my precious metals allocation, specifically the gold to silver ratio. I’ve been stacking gold for over 20 years now, pretty much since before most folks on this forum were probably even thinking about investments beyond their 401k. Started after I saw some friends from the auto industry get hit hard by market downturns and thought, "Nope, not me." Now that I’m retired from the plant here in Detroit, I’m pretty heavy on gold, probably 90/10 gold to silver ratio in terms of value, with my total PMs weighing in around $750k.

    My reasoning has always been gold for wealth preservation, pure and simple. It’s held its value through thick and thin, and it’s a tangible asset I can hold in my hand, which means a lot to an old-school guy like me. Silver has always felt more speculative, more volatile, and while I’ve definitely made a few bucks on it over the years, it’s mostly been a smaller play for me. I’ve got some Eagles and Maples, nothing too crazy.

    But with all the talk about industrial demand for silver, and some of the supply crunch predictions I'm hearing, I'm wondering if I should re-evaluate. I know a lot of you younger guys are really bullish on silver for its potential growth. Part of me thinks sticking with what’s worked for two decades is the smart move, especially with my portfolio being for retirement income now. But another part is thinking, "Am I leaving significant gains on the table by being too conservative?"

    So, for those of you with significant PM holdings, especially if you’ve been in the game for a while, what’s your current gold/silver allocation? Have any of you significantly shifted your ratios recently? What’s driving your decisions? Always good to hear differing perspectives from real investors.

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    Best Answer▲ 9 upvotes
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    david_brown💎Premium (500k-1m)

    Totally get this. I'm in a similar boat, though not as long as 20 years! I started getting into precious metals more seriously after the 2008 crash, mostly silver then. Now I'm sitting on a decent stack, but the gold/silver ratio has me wondering if I should rebalance a bit more towards gold. It's always a balancing act, right?

    Comments (3)

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    david_brown💎Premium (500k-1m)Real Investorabout 2 months ago

    Totally get this. I'm in a similar boat, though not as long as 20 years! I started getting into precious metals more seriously after the 2008 crash, mostly silver then. Now I'm sitting on a decent stack, but the gold/silver ratio has me wondering if I should rebalance a bit more towards gold. It's always a balancing act, right?

    2
    robert_thompson💰Established (100-250k)Real Investor✓ Verifiedabout 2 months ago

    Interesting! So you've been stacking gold for 20+ years. I'm curious, what was your initial gold to silver allocation back then, when you first started out?

    2
    charles_lewis💎Premium (500k-1m)Real Investorabout 2 months ago

    Interesting post. While the gold/silver ratio is definitely something to keep an eye on, I'd argue that focusing too much on that specific ratio can be a bit of a distraction from the main goal. For me, it's less about hitting a perfect gold-to-silver balance and more about diversifying within the precious metals space in a way that feels right for my overall portfolio.

    Sometimes, chasing the "right" ratio means you're selling when you should be holding, or vice-versa. Maybe think less about an ideal ratio and more about what each metal brings to your personal investment strategy.

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