Hey all, I’m 22 and have recently started earning a steady monthly income. I’m trying to be disciplined about saving and investing from the outset, and I’ve been following markets for a couple of years now, with some small-scale equity investing along the way.
At the moment my portfolio is effectively 100% equities, and as my income becomes more predictable I want to rebalance gradually rather than all at once.
Hypothetically, let’s say I’m able to save around £1,600 per month. My current plan is:
* £1,000 into a Cash ISA to build up an emergency fund
* £600 invested monthly into non-equity assets, specifically gold and silver ETFs (e.g. iShares)
Where I’m less certain is the allocation between gold and silver.
I’m aware of the usual arguments around precious metals. Hedging, safe haven behaviour, macro uncertainty, USD debasement, geopolitics, etc. I’m also aware that strong recent performance and momentum aren’t reliable indicators of future returns, which is precisely why I’m cautious about overthinking short term narratives.
This isn’t a market timing question so much as an asset allocation one.
If you were allocating £600 per month to gold and silver purely as a diversifier while rebalancing away from a 100% equity portfolio:
* How would you split it?
* What role would each metal play in your reasoning?
Interested in hearing how others think about this.
Here are two contrarian articles that I read recently:
1. [https://www.fundsindia.com/blog/mf-research/mutual-funds/gold-is-glittering-what-should-you-do-now/33623](https://www.fundsindia.com/blog/mf-research/mutual-funds/gold-is-glittering-what-should-you-do-now/33623)
2. [https://www.wsj.com/finance/commodities-futures/gold-prices-5000-ounce-2026-67361c87?st=B5PcYe](https://www.wsj.com/finance/commodities-futures/gold-prices-5000-ounce-2026-67361c87?st=B5PcYe)