Thinking of rebalancing out of some silver coins - good idea?

Thomas Walker

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Thinking of rebalancing out of some silver coins - good idea?

thomas_walker🏆Advanced (250-500k)

about 6 hours ago

Key Takeaways

•Has anyone else done a similar rebalance recently, moving from silver to gold?
•What were your thoughts or experiences?
•Appreciate any insights, especially from anyone else who's been navigating similar portfolio adjustments with precious metals.

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I've been holding onto a decent stack of silver over the years, mostly American Silver Eagles and some Canadian Maples, probably around $30-$40k worth at current spot. I started picking them up a while back when I was first building out my precious metals allocation within my IRA – felt like a solid move for diversification, especially as a military retiree who really prioritizes financial security. Living in San Diego, the cost of living just keeps going up, so I'm always looking at ways to optimize my portfolio, especially with my overall portfolio now sitting comfortably in the mid-six figures.

Lately, though, I've been looking at the performance of gold versus silver, and it just feels like gold has been the stronger, more consistent performer. I've been messing around with that "Gold vs Stocks Comparison" tool over at https://goldvsstocks.goldirablueprint.com/?period=10Y, and while it mostly focuses on gold versus the stock market, seeing those long-term trends really makes you think about allocation. Historically, gold just seems to maintain its value better during turbulent times, which is exactly why I got into precious metals in the first place.

My gut is telling me to rebalance out of some of the silver and put that capital into either more physical gold or even some gold mining stocks within my IRA. I'm not looking to dump all my silver, as I still see its place, but taking maybe $15k-$20k out of the silver stack and moving it seems like a smart play right now. Has anyone else done a similar rebalance recently, moving from silver to gold? What were your thoughts or experiences?

Appreciate any insights, especially from anyone else who's been navigating similar portfolio adjustments with precious metals. It’s always good to hear different perspectives before making a move.

5 comments

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Best Answer▲ 9 upvotes

maria_campbell📊Growing (50-100k)

Honestly, rebalancing out of silver right now might not be the worst idea, but I'm not sure I'd rush into it. Silver's been a bit of a sleeping giant, and with all the inflation talk and uncertainty, it feels like it could still have a significant run left. You've held through some ups and downs already, so why not wait a bit longer to see if it catches some real momentum from gold? Timing the market is impossible, but sometimes patience truly pays off with precious metals.

Comments (5)

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

Totally get where you're coming from. I was in a similar boat a few years back with a bunch of fractional gold I'd accumulated. Ended up cashing out about half of it to diversify into some dividend stocks and a bit more into my Roth IRA. No regrets so far, it felt good to spread things out a bit.

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

Interesting idea! When you say "rebalancing," are you thinking of selling the silver and buying gold with the proceeds, or divesting the silver and then using that cash for something else entirely, like other investments or even just liquidity?

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

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

Hey, I hear you on wanting to rebalance! Silver's been a bit of a rollercoaster lately. If you're looking to diversify into gold, checking out different Gold IRA companies might be a good next step. They often have specialists who can walk you through the pros and cons of converting physical silver to gold in an IRA, and even help with the logistics if you decide to go that route. Good luck!

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

Totally agree with rebalancing. I did something similar last year. Had a bunch of silver I'd accumulated, probably around $20k worth, and decided to move about half of it into a Gold IRA. The peace of mind from having that portion in a more stable asset, and knowing it's tax-advantaged, has been great. Silver's cool for collecting, but for serious wealth preservation, gold really shines.

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