Thinking about rebalancing some stack – anyone else doing this?

Frank Rivera

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Thinking about rebalancing some stack – anyone else doing this?

frank_rivera💎Premium (500k-1m)

about 3 hours ago

Key Takeaways

•Alright, so I’ve been looking at my holdings and, honestly, the last year has been pretty good for gold.
•Now, after this last run, it's probably nudging a bit over that $800k mark just in the gold coins alone, not counting the silver I've got.
•The thing is, I always aimed for about a 70/30 split between gold and silver within my precious metals allocation.

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Alright, so I’ve been looking at my holdings and, honestly, the last year has been pretty good for gold. My Gold IRA, which I mainly stacked with American Gold Eagles, a decent chunk of Canadian Maple Leafs, and some 1 oz Krugerrands through Augusta Precious Metals, is sitting pretty. When I retired from the Navy back in 2018, I rolled over about $750k from my TSP and other accounts into a mix of gold and silver, with gold being the primary focus. Now, after this last run, it's probably nudging a bit over that $800k mark just in the gold coins alone, not counting the silver I've got.

The thing is, I always aimed for about a 70/30 split between gold and silver within my precious metals allocation. With the recent run-up in gold, that ratio is probably more like 80/20 or even 85/15. I'm starting to feel like I'm a bit too heavy on the gold side, even for my somewhat conservative, long-term outlook. We live in Honolulu, and while things feel stable here, seeing the global shifts, especially in the Indo-Pacific, makes me want to ensure I'm as diversified as possible, even within my hard assets.

I’m considering taking about 10-15% of my gold value and swapping it for some more silver, maybe some 100 oz bars or more 1 oz rounds like the Britannia or even some private mint stuff. The idea is to bring that gold/silver ratio back closer to my original target and get a little more exposure to silver's upside, which I still believe is significant given industrial demand and its role as a monetary metal. Does anyone else out there feel like their gold holdings have gotten a bit too dominant lately?

What are your thoughts on rebalancing like this? Is it wise to trim some gold here, especially with the way central banks are still accumulating? Or is this a "don't fix what ain't broke" situation? I'm curious to hear if others are making similar moves or if you're just letting your gold ride. My main goal is capital preservation, but I also want to be smart about potential growth opportunities.

4 comments

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Best Answer▲ 9 upvotes

patricia_miller📊Growing (50-100k)

Definitely understand feeling good about Gold Eagles and Maples, those are classics! Out of curiosity, have you considered branching out into any other types of gold, like maybe some fractional pieces or even different mints, or do you prefer to stick with the familiar 1oz coins?

Comments (4)

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

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

Yep, I'm right there with you. Had a similar thought process last month. My Gold IRA through Advantage Gold (mostly Eagles and some PAMP Suisse bars) has performed way better than I expected, and I was wondering if it was a good time to trim a little and reallocate into something else. It's a tough call when things are going well!

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

Totally get the urge to rebalance, especially after a good run. But if your goal with the Gold IRA was long-term wealth preservation and a hedge against inflation, shifting out of it now might be counterintuitive, even if it's "sitting pretty." The whole point for many of us is to *not* have to think about timing the market with this particular asset class. Just a thought!

michelle_collins🏆Advanced (250-500k)Real Investor•less than a minute ago

Hey, that's smart thinking. Rebalancing is key, especially if you've seen good gains. One thing I found really helpful when I was looking to rebalance my own Gold IRA was to actually map out different scenarios for my portfolio's exposure to gold vs. other assets. There are some decent online tools that let you input your current holdings and then project how different rebalancing strategies might perform under various market conditions. Might give you some extra peace of mind before you make any big moves!

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