Gold Silver IRA: Your US Guide to Building a Resilient Retirement Account with Precious Metals

What Is a Precious Metals IRA and How Does a Gold IRA or Silver IRA Work?

A gold silver IRA holds IRS-approved bullion, contracts an IRS-approved depository, and meets the fineness thresholds the IRS sets in IRC §408(m) — operating identically to a Traditional or Roth IRA for tax purposes. Unlike stocks or standard mutual funds, a self-directed IRA can include physical gold, silver, and other precious metals, provided the assets are IRS-approved and stored at an IRS-approved depository. Within this framework, a gold IRA or silver IRA lets investors hold physical metals in a tax-advantaged account so retirement savings can grow tax-deferred or, in a Roth IRA, potentially tax-free. You select an IRA custodian (such as Equity Trust, STRATA Trust, or Kingdom Trust), choose a trusted precious metals dealer, and arrange secure storage with a qualified facility such as Delaware Depository or International Depository Services (IDS).

Why Consider Gold and Silver in Your Retirement Portfolio?

Gold and silver IRAs leverage precious metals’ 5,000-year store-of-value track record to actively hedge retirement savings against inflation, equity market crashes, and dollar debasement — three risks that erode conventional IRA balances. A gold silver IRA diversifies retirement savings by holding physical assets whose 30-year price correlation with the S&P 500 has remained below 0.15, reducing portfolio drawdown risk without eliminating growth potential. A gold silver IRA actively counterbalances equity exposure during monetary tightening cycles — gold gained +24% in 2022 while the S&P 500 lost -18%, demonstrating how the account structure delivers real portfolio stability when other assets face pressure. Physical precious metals are tangible physical assets you can account for precisely, and while they involve secure storage, they also can reduce concentration risk in a retirement portfolio built solely from paper assets.

Are Gold and Silver IRAs a Good Idea? Honest Pros, Cons, and Who They Fit

Bottom line: A gold silver IRA is a good idea for investors who want inflation protection, portfolio diversification beyond paper assets, and a long-term store of value — and a poor fit for those who need high liquidity, maximum growth potential, or low-cost passive investing.

Advantages: Gold averaged +8.3% during high-inflation decades (1970s, 2000s); correlation to S&P 500 historically below 0.15; tax-deferred (Traditional) or tax-free growth (Roth); you hold title to allocated physical metal. Disadvantages: Underperforms equities in low-inflation bull markets; adds setup/storage costs not present in index funds; same RMD rules as standard IRAs apply at age 73; bid-ask spreads and storage delays vs. ETFs; IRS requires approved depository — no home storage.

Best fit: Investors allocating 5–15% of retirement portfolio to physical metals as a hedge, with a 10+ year horizon and at least $10,000–$25,000 to meet typical minimums.

Key Benefits and Considerations

A gold silver IRA delivers tax deferral, shields physical bullion inside an IRS-approved structure, and hedges against inflationary cycles and equity drawdowns. A self-directed IRA lets you choose among gold, silver, platinum, and palladium assets, broadening the set of diversification tools beyond mutual funds. However, holding precious metals in a retirement account involves higher fees than traditional IRAs that hold only paper assets — custodian charges, storage fees, and insurance all add up. Understanding the minimum investment required by gold IRA companies and your IRA custodian is essential. Precious metals do not pay dividends or interest, so your return depends on the spot price appreciation and long-term supply-and-demand dynamics, including industrial demand for silver, platinum, and palladium. Note that ERISA-covered 401(k) plans rolled into a gold silver IRA must still meet prohibited-transaction rules under IRC §4975.

IRS Rules: Fineness Requirements, Contribution Limits, and Prohibited Transactions Under IRC §408(m)

The IRS permits physical gold (minimum .9950 fine), silver (.999), platinum (.9995), and palladium (.9995) in a self-directed IRA under IRC §408(m), with 2026 contribution limits of $7,000 ($8,000 if age 50+ as a catch-up contribution) and RMDs beginning at age 73. Gold iras follow irs regulations defined in IRS Publication 590-A (Contributions) and IRS Publication 590-B (Distributions). Under irs rules, you cannot personally hold physical gold or keep silver bullion at home for your retirement account — doing so constitutes a prohibited transaction that can disqualify the entire IRA and trigger a deemed distribution taxed as ordinary income plus a 10% early withdrawal penalty if under 59½. Instead, the ira custodian arranges physical storage with a facility that meets regulatory standards. When you reach the age at which required minimum distributions apply, you must follow the timetable and distribution formula, and required minimum distributions rmds can be taken in cash or, in some cases, in-kind metals depending on your custodian’s policies and irs rules. Because tax laws can change, consult a financial advisor and your custodian for current details.

IRS-Approved Gold and Silver Coins and Bars

A gold silver IRA accepts sovereign-mint bullion coins, holds accredited-refiner bars (PAMP Suisse, Credit Suisse, Valcambi), and permits select proof coins that clear the fineness threshold. IRS-approved gold coins include the American Gold Eagle, American Gold Buffalo (.9999 fine), and Canadian Maple Leaf; IRS-approved silver includes the American Silver Eagle (.999 fine) and Canadian Silver Maple Leaf. The Austrian Philharmonic qualifies in both gold and silver. The South African Krugerrand is not IRA-eligible due to insufficient fineness. Collectibles and numismatic coins are prohibited under IRC §408(m) — only bullion coins and bars meeting minimum fineness standards qualify. For bars, look for LBMA Good Delivery-listed or COMEX-approved products to ensure acceptance. Some platinum and palladium bars and coins may qualify; always watch for sovereign mint premium differences between popular issues (American Eagle vs. Maple Leaf) vs. generic bars. Work with your IRA custodian and a trusted precious metals dealer to ensure each product is IRS-approved before placing an order, and track cost basis carefully for each lot to simplify in-kind distribution calculations later.

Self-Directed IRA Structure and Custodian Role

A self-directed IRA provides the flexibility to purchase and hold gold, silver, and other precious metals in compliance with IRS rules. The IRA custodian is responsible for recordkeeping, reporting to the IRS, coordinating with the depository, and ensuring your retirement account transactions meet IRS regulations. Leading self-directed IRA custodians for precious metals include Equity Trust Company (Westlake, OH — over $34 billion in assets under custody), STRATA Trust Company (Waco, TX), and Kingdom Trust (Murray, KY). A self-directed approach requires you to choose from reputable gold IRA companies or custodians who specialize in precious metals IRAs, provide educational materials, offer transparency on storage fees and transaction costs, and maintain relationships with precious metals dealers. Whether you are funding with an existing IRA or making new contributions, the custodian guides the trustee-to-trustee transfer process to ensure your precious metals purchases are IRS-approved and stored correctly. Note: unlike broker-managed IRAs, self-directed IRA custodians do not vet the quality of your investments — due diligence is your responsibility.

How to Fund a Precious Metals IRA

You can open a new self directed ira or use an existing ira to begin. Many savers start by transferring assets from traditional iras or rollovers and then direct the new account to acquire gold and silver from a trusted precious metals dealer. Funding options include transfers from individual retirement accounts, rollovers, and new annual contributions subject to contribution limits. Your bank account is typically used to settle cash transfers to the custodian, who then completes the purchase of approved bullion. Keep in mind that a precious metals ira may have a minimum investment amount. Coordinate with your custodian to ensure timing, settlement, and documentation are handled precisely, especially when moving funds from an existing ira to avoid penalties and to remain compliant with irs rules.

How to Roll Over a 401(k) or Existing IRA Into a Gold Silver IRA

Rolling over a 401(k), 403(b), TSP, or traditional IRA into a gold silver IRA is penalty-free when done as a direct (trustee-to-trustee) rollover — your plan administrator transfers funds directly to your new precious metals IRA custodian, bypassing the 60-day rule and the mandatory 20% federal tax withholding that applies to indirect rollovers.

Direct rollover (recommended): Custodian-to-custodian transfer; no taxes withheld; no 60-day deadline risk. Indirect rollover: Funds paid to you first; 20% withheld for taxes; you must deposit 100% of the original amount within 60 days or the withheld amount is treated as a taxable distribution plus 10% early withdrawal penalty (if under 59½). Most gold silver IRA companies handle the paperwork at no charge. The process typically takes 1–3 weeks from application to metal purchase.

Storage: IRS-Approved Depositories, Segregated vs. Commingled Options

All physical metals in a gold silver IRA must be stored at an IRS-approved depository — facilities such as Delaware Depository Service Company (DDSC), Brink’s, or International Depository Services (IDS). Segregated storage means your metals are stored separately and individually identified; commingled (allocated) storage pools your metals with other investors’ holdings of the same type. Segregated storage typically costs $50–$150 more annually but guarantees you receive your exact bars and coins upon distribution. Home storage is prohibited under IRC §408(m) and constitutes a prohibited transaction — so-called "home storage IRA" or "checkbook IRA" schemes violate IRS rules and can trigger a deemed distribution, ordinary income tax, and a 10% early withdrawal penalty. The chain of custody runs from your ira custodian to the depository, where physical storage is segregated or commingled depending on your selection and fees. Work with your custodian to understand whether your plan allows you to hold gold in segregated storage, the annual storage fees, and any logistics involved in future sales, in-kind distributions, or required minimum distributions.

Fees: What a Gold Silver IRA Really Costs (2026)

A gold silver IRA costs more than a standard brokerage IRA because of physical storage and insurance requirements. Below is a breakdown of typical fee ranges you should budget for:

Note the difference between allocated vs. unallocated storage: allocated (segregated) means your specific coins and bars are identified; unallocated pools your metal with others. Always request the full fee schedule before opening an account. When comparing gold IRA companies, confirm whether your pricing includes shipping, insurance, and handling — these are often charged separately on initial purchase.

Taxes: Traditional IRAs, Roth IRA, SEP IRAs, Solo IRAs, and RMDs

Tax treatment depends on your account type. Traditional iras let contributions potentially reduce taxable income in the year of contribution and then grow tax deferred until distribution. Distributions are typically taxed as ordinary income and may be timed to a lower tax bracket in retirement. A roth ira is funded with after-tax dollars, offers tax advantages as earnings grow tax free, and may provide tax free qualified withdrawals. Business owners may consider sep iras or solo iras for higher contribution limits. All plans must observe contribution limits, and after a certain age, required minimum distributions or required minimum distributions rmds apply to traditional accounts. When you take distributions from a precious metals ira, you may either sell the bullion for cash or complete an in-kind distribution of approved metals. Coordinate with your financial advisor and custodian to plan how to pay taxes and how to satisfy RMDs without disrupting your long-term strategy. Because gold iras follow the same overarching rules as other individual retirement accounts, the same reporting to the internal revenue service applies.

What You Can Buy: Coins and Bars Overview

Within an irs approved framework, you may purchase bullion coins and bars that meet minimum fineness requirements. Examples include certain US Mint and other sovereign-mint issues that are irs approved, as well as eligible private bars from accredited refiners. Your selection may include silver bullion, select proof coins that qualify, and in some cases silver coins issued by government mints. You can also purchase gold bullion, platinum bullion, and approved bars of platinum and palladium. Ask your trusted precious metals dealer for a current list of acceptable products, and verify eligibility with your ira custodian before completing a transaction. For collectibility reasons, some numismatic items may not qualify. Precision in product selection will keep your account in compliance with irs regulations.

How to Choose an IRA Custodian and Trusted Precious Metals Dealer

Working with experienced providers is critical for a smooth precious metals ira. Evaluate gold ira companies and precious metals dealers by reviewing their time in business, pricing transparency, storage options, shipping procedures to an irs approved depository, and customer service standards. A trusted precious metals dealer should provide educational materials, help you compare metals such as gold silver and other precious metals, and coordinate seamlessly with your ira custodian. Request information on storage fees, insurance, auditing, and how distributions are processed. Confirm whether the firm has expertise with required minimum distributions and in-kind transfers, and whether they offer support if you need to rebalance between gold and silver or add exposure to silver platinum and palladium over time.

Liquidity, Sales, and Distributions

When you want to rebalance or take distributions, your ira custodian will coordinate the sale of physical precious metals stored at the depository. Liquidity for widely traded products is typically strong, especially for standard bars and popular bullion coins. Proceeds from a sale flow into your retirement account, where you can redeploy funds or satisfy RMDs. If you prefer to take metals out directly, in-kind distributions may be available, in which case you will generally report the distribution and pay taxes according to your account type and current law. Because distributions from traditional accounts are taxed as ordinary income, it can be beneficial to plan around your lower tax bracket years.

Strategy: Portfolio Diversification and Risk Management

Adding gold and silver to individual retirement accounts can contribute to portfolio diversification by balancing equity and bond exposures with physical assets. Precious metals often react differently during market downturns and inflationary periods, offering ballast during economic uncertainty. While no asset is risk-free, holding precious metals through a self directed ira can help stabilize long-term retirement savings. Some investors keep a small to moderate allocation to gold silver, adjusting exposure according to risk tolerance, time horizon, and the broader macroeconomic outlook for metal prices and industrial demand. For those who already own equity-heavy portfolios, a precious metals ira may reduce concentration risk and create an alternative return source that is unlike stocks.

Risks and Trade-Offs of a Gold Silver IRA

A gold silver IRA carries four primary risks: liquidity risk (metal sales take 1–3 days vs. instant equity trades), premium risk (buying above spot price reduces net return), regulatory risk (IRS prohibited-transaction rules can disqualify the entire IRA), and concentration risk (over-allocation to metals reduces long-term growth). Additionally, counterparty risk exists if your custodian or depository faces financial difficulty. Some investors assume they can hold physical gold personally, but for retirement account purposes, personal possession is not allowed; assets must be stored by an irs approved depository. Precious metals do not produce income on their own, so growth depends on supply, demand, and macroeconomic conditions. Diversification across gold silver platinum or even platinum and palladium may help, but disciplined rebalancing and a clear plan for required minimum distributions are essential.

Steps to Open and Fund a Gold Silver IRA

1. Decide on Account Type

Choose between traditional iras, a roth ira, sep iras, or solo iras depending on your situation. Each carries unique tax benefits, contribution limits, and distribution rules that affect how you pay taxes later.

2. Select a Self Directed Custodian

Pick an ira custodian specializing in self directed accounts and precious metals ira services. Verify experience with irs rules, reporting, and relationships with depositories that offer secure storage.

3. Choose a Trusted Precious Metals Dealer

Partner with a dealer known for competitive pricing, excellent service, and a broad inventory of irs approved products. Confirm that purchases will ship directly to an irs approved depository.

4. Fund the Account

Initiate a transfer from an existing ira or send funds from a bank account. If rolling over funds, coordinate timing to avoid taxable events and confirm that all steps comply with irs regulations.

5. Select Metals

Build a diversified basket of gold and silver, and consider other precious metals such as platinum and palladium that qualify. Ensure all items meet minimum fineness requirements and are clearly irs approved.

6. Arrange Storage

Work with your custodian to place assets with Delaware Depository, International Depository Services, or another irs approved depository offering the secure storage solution and physical storage type you prefer.

7. Review Fees and Reporting

Confirm annual storage fees, custodian charges, shipping, and insurance. Make sure you understand annual reporting, tax forms, and the plan for required minimum distributions when applicable.

What Would $10,000 in Gold Look Like Today? Historical Performance

A $10,000 investment in gold in January 2005 would be worth approximately $67,000 by early 2026 — a 570% gain — while the same investment in the S&P 500 grew to roughly $72,000. Gold’s real (inflation-adjusted) annualized return over that period was approximately 8.1%, compared to the S&P 500’s 8.5%. During 2008–2009, gold rose +25% while the S&P 500 fell -37%, illustrating gold’s crisis-hedge function. The COMEX spot price of gold reached all-time highs above $2,700/oz in late 2025, driven by central bank purchases, geopolitical risk, and inflation expectations.

Gold, Silver, and the Economic Backdrop

Gold and silver often respond to changes in interest rates, inflation expectations, currency moves, and geopolitical risk. During economic uncertainty and market downturns, some investors add precious metals to counterbalance equity risk. Industrial demand can influence silver platinum and palladium, connecting these metals to technology and manufacturing cycles, while gold can reflect monetary dynamics and investor sentiment. Because these drivers can be complex, planning with a financial advisor may help you integrate metals into your retirement portfolio with appropriate position sizes and rebalancing rules. Over time, holding precious metals in a retirement account can serve as a potential stabilizer while the rest of your assets fluctuate with broader market volatility.

Compliance and Best Practices

Staying compliant means the account holds only irs approved metals, uses an irs approved depository, and follows all irs rules for contributions, transfers, and distributions. Keep documentation for every purchase, confirm that all bullion coins and bars meet minimum fineness requirements, and coordinate logistics so that metals move directly from the dealer to the depository without your personal possession. Because gold iras follow the same general standards as other individual retirement accounts, your custodian will file required forms with the internal revenue service each year. Adhering to these processes helps your precious metals ira maintain its tax advantages and ensures your retirement savings remain protected within the law.

Comparing a Precious Metals IRA to Paper-Only IRAs

A precious metals ira differs from paper-only accounts primarily in what it holds and how it is stored. While paper-based traditional iras invest in mutual funds or individual securities, a self directed ira buys physical precious metals stored offsite. The trade-off is clear: you gain a tangible hedge that is unlike stocks, but you may pay storage fees and transaction costs that are higher than a purely paper portfolio. For some investors, the ability to hold gold and silver within a retirement account provides peace of mind and portfolio diversification; for others, the cost structure may not fit. Reviewing your goals, risk tolerance, and time horizon with a financial advisor can clarify whether a gold ira or silver ira aligns with your strategy.

Common Misconceptions

Some investors believe they can hold physical metals at home in a retirement account, but that violates irs regulations. Others assume that any coin is acceptable; however, only irs approved items that meet minimum fineness requirements qualify. Another misconception is that precious metals guarantee returns; while they can hedge inflationary periods and economic uncertainty, metal prices are influenced by market volatility and industrial demand, and values can fluctuate. Finally, some assume distributions must be taken only in cash; in reality, many custodians allow in-kind distributions, subject to their policies and current law.

Practical Tips for Long-Term Investors

Create an allocation plan across gold silver platinum and potentially platinum and palladium, and revisit it yearly. Consider how to satisfy required minimum distributions without disrupting your holdings; some savers set aside a cash buffer or schedule periodic sales to manage RMDs. Track storage fees and aim to purchase widely traded products to streamline future liquidity. Diversify the mix of bars and bullion coins that are commonly accepted. Keep detailed records, and consult a financial advisor on contribution limits, tax benefits, and timing strategies designed to match your lower tax bracket in retirement. Over time, this disciplined approach can help your retirement savings grow tax deferred while retaining exposure to physical precious metals.

Realistic Expectations About Performance

It is helpful to view a precious metals ira as a stabilizer rather than a primary growth engine. While gold and silver can appreciate during inflationary periods or when markets face stress, there will be phases when metal prices consolidate or decline. Since metals do not pay income, long-term outcomes depend on the balance of macro factors, currency trends, and investor demand. A diversified retirement portfolio that integrates precious metals with other asset classes may offer a smoother ride than an all-or-nothing approach.

When a Precious Metals IRA May Be a Fit

Consider a gold silver IRA if you want to diversify away from equities and bonds, you value physical assets in secure storage, and you are comfortable with higher fees in exchange for the potential benefits. It can make sense if you already hold significant paper assets in individual retirement accounts and want exposure that is unlike stocks. It may also appeal to investors focused on long-term wealth preservation, who recognize the role of gold and silver during market downturns and who wish to follow IRS rules strictly to maintain tax advantages.

Gold IRA vs. Physical Gold You Hold at Home

A gold IRA gives tax deferral but requires a custodian and depository; personally-held gold gives instant access but is taxed as a 28% collectible rate at sale (under IRS collectibles rules). Key differences:

Why Fidelity, Vanguard, and Schwab Don't Offer True Gold IRAs

Fidelity and Vanguard do not custody physical bullion in IRAs — they offer GLD, IAU, or SLV ETFs only. To hold real metal you need a self-directed custodian like Equity Trust, STRATA Trust, or Kingdom Trust. The key distinction: GLD and IAU are paper claims on gold held by a trust — you own shares, not metal. A gold silver IRA gives you title to specific, allocated physical coins and bars stored in your name at a regulated depository. ETF expense ratios (GLD: 0.40%/yr; IAU: 0.25%/yr) are lower than gold IRA all-in costs, but ETFs don't provide physical delivery, lack in-kind distribution rights, and are subject to the same 28% collectibles rate at sale as physical metal. For investors whose primary goal is physical ownership and IRS-recognized delivery rights, only a self-directed gold IRA achieves that.

Gold IRA Minimum Investment by Provider (2026)

Why Warren Buffett Avoids Gold — And When His Logic Doesn't Apply to Retirees

Buffett rejects gold because it produces no cash flow; the counter-case is that retirees holding fixed nominal liabilities benefit from a non-correlated store of value during currency debasement. Specifically, Buffett has said: "Gold gets dug out of the ground in Africa... then we melt it down, dig another hole, bury it again... Any investor who watches this would scratch their head." His framework is correct for growth-seeking investors who can tolerate equity volatility over 30-year horizons. However, retirees face a different risk profile: sequence-of-returns risk means a 35% equity crash in year one of retirement can permanently impair a 30-year withdrawal plan. Gold's near-zero correlation to equities (below 0.15 historically) and strong performance during the 2000–2002 dot-com crash (+17%), 2008–2009 financial crisis (+25%), and 2022 rate shock (+0% vs S&P -18%) illustrates why a 5–15% gold silver IRA allocation can protect a retiree's income floor. Notably, Berkshire Hathaway did purchase Barrick Gold shares in 2020 — suggesting even Buffett sees tactical value in gold-related exposure at certain valuations. The gold-to-silver ratio (currently near 80:1 as of early 2026) is one indicator some investors monitor to time relative allocations between gold and silver.

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Frequently Asked Questions

What metals can I buy in a precious metals ira?

You can buy irs approved gold, silver, and certain platinum and palladium products that meet minimum fineness requirements. Eligible assets typically include widely recognized bullion coins and qualifying bars; some proof coins also qualify. Always confirm eligibility with your ira custodian before purchase.

Can I store the metals at home?

No. For retirement account purposes, you cannot hold physical gold or other precious metals personally. Precious metals for an ira must be stored with an irs approved depository that offers secure storage and proper insurance.

How do required minimum distributions work with metals?

Traditional accounts are subject to required minimum distributions or required minimum distributions rmds. You can sell metals within the account to raise cash for the RMD, or, if your custodian permits, take an in-kind distribution of eligible metals. Consult your financial advisor and custodian to plan distributions and pay taxes correctly.

Are there contribution limits?

Yes. Contribution limits for individual retirement accounts apply to precious metals iras as well. The exact numbers can change, so confirm each year and coordinate with your custodian to ensure compliance.

What fees should I expect?

Expect custodian fees, storage fees, and transaction costs. Because a precious metals ira involves secure storage and insurance, it often involves higher fees than a paper-asset-only plan. Review fee schedules carefully and consider the minimum investment your provider requires.

How are distributions taxed?

Distributions from traditional accounts are taxed as ordinary income. Planning distributions in a lower tax bracket can reduce the overall burden. With a roth ira, qualified withdrawals may be tax free. Always verify current rules with your financial advisor.

Can I use funds from an existing ira?

Yes. Many investors fund a precious metals ira by transferring or rolling over an existing ira. Coordinate with your custodian to ensure a compliant, non-taxable movement of funds.

What is the role of the ira custodian?

The ira custodian maintains records, files required reports with the internal revenue service, ensures compliance with irs rules, coordinates shipment to an irs approved depository, and helps you administer contributions and distributions.

Are gold and silver the only options?

No. In addition to gold and silver, certain platinum and palladium products may qualify. Some investors diversify across silver platinum and palladium to complement a core allocation to gold silver.

How liquid are metals inside the account?

Highly recognizable bullion coins and bars typically offer good liquidity. Your custodian and dealer can coordinate sales, with proceeds returning to your retirement account for redeployment or distributions.

Can I hold gold personally if it belongs to my ira?

No. You may not hold gold at home for an ira. All retirement metals must be stored at an irs approved depository, such as Delaware Depository or International Depository Services, under your custodian’s control.

Do metals help during market downturns?

Metals can help balance a portfolio during market downturns and economic uncertainty. While not guaranteed, many investors use precious metals as a hedge against inflationary periods, currency shifts, and market volatility.

How do I get started?

Open a self directed ira with an experienced custodian, fund it from a bank account or by transferring an existing ira, choose irs approved metals with a trusted precious metals dealer, and direct the shipment to an irs approved depository for secure storage.

Can I buy gold coins for my account?

Some coins qualify if they meet irs approved standards and minimum fineness requirements. Verify each product in advance to ensure compliance and smooth settlement through your custodian and depository.

What is the difference between a gold ira and a silver ira?

Both operate within the same precious metals ira framework. A gold ira focuses on gold exposure, while a silver ira concentrates on silver, and many investors blend gold and silver according to their diversification goals, risk tolerance, and view on metal prices and industrial demand.