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Personal Finance and Investing

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sweetapogee

(1,202 posts)
Fri Feb 14, 2025, 11:55 AM Feb 14

amount of gold and silver in a portfolio [View all]

Looking for opinions. I'm a cautious investor and have roughly 60% in stocks 30% in bonds, 10% in cash. Our holdings are mostly index Mutual funds and ETFs, some in our 401Ks some in a taxable brokerage account, a very small amount of single stocks only about $2K worth, really just for fun.

The 10% that is in cash...

We have reached the point where we have a really healthy amount in cash (in a HYSA) and are considering buying some gold and silver instead of continuing to add to our HYSA. I understand that the PM market is volatile and not a good "investment" but still I think if 10% of our portfolio is cash and we are well funded overall, that 10% could be divided in half cash and metals. What is the consensus? FYI retirement is 6 years away. We would not use any of the accumulated cash to buy metals, just DCA going forward.

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