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I was looking at the percentages of my Ag hoard:

21.3% bullion
78.7% 90/40%

Of the 90/40%, 18.1% is 40%.

Should I reduce my 40% some?

(Some background: I have aquired this over many years. The above percentages were not necessarily intentional. Just bought when I had spare FRN's. Thanks for your responses!)

I guess it depends on your reasons for stacking--If you're satisfied with it, it doesn't really matter. There's only so much diversification that can take place within one PM anyway. I've got about half in bullion (including ASE's), and half in 90/40/35%--not because I planned it that way, it's just what I have.

99% of the time if you trade one type of whatever for another type you have transaction costs so it generally doesn't gain you to trade them around.

So for the NEW stacks adding in the proportion you think makes sense is what I would do.

Yes, those transaction costs!

I've always thought what I purchased would be for retirement or to pass on to family. But with the way things are heading, I don't think the hoard will make it that far (I'm in my late 40's). I think the system will have collapsed before then and I'll have to tap into it. What shape or form things take after the collapse, only God knows.

What started me thinking about rebalancing it was I talking to a coin store owner who heavily perferred 90% over 40.

I am a hoarder not a seller. But with the fluctuations in price we have seen, it's tempting to take a small portion and try make a profit and buy more on a dip.

I would, like you rexmerdinus, like to get to more of an even split between bullion and 90/40. That would seem to make sense.

I don't see how it makes much difference. 40%, 90%, and 99.9% are priced based on the spot or melt value. The only difference is in the premium. So you wouldn't be diversifying if you traded one for the other.

I'd say buy what's under spot. War nickles, 40% or whatever. Sooner or later you are going to find someone who wants what you have, and be willing to pay more for it.

I passed up many 40% coins below spot, and regret it.

IMO, you should get more bullion coins. The ratio I favor is 60% bullion, 40% junk. 90% is better than 40/35%. Premiums on 90% is starting to rise.