Silver IRAs: Flexibility, Growth, and Protection for Your Retirement
Why Adding Silver Can Be a Smart Move
Silver is often called “poor man’s gold,” but that nickname doesn’t capture its full potential. More affordable than gold — and historically more volatile — silver offers investors a chance to balance their portfolio while adding meaningful growth opportunities. Contact a Silver IRA Advisor today.
Work with a McAlvany advisor to open a new self-directed IRA or roll over funds from an existing Traditional, Roth, or SEP IRA.
Your advisor guides you through selections of IRS-approved silver coins & bars, including American Silver Eagles & Canadian Maple Leafs.
Your silver is safely held in an IRS approved depository, fully insured and regularly audited under your name.
Silver IRAs allow you to hold physical silver in a tax-advantaged account and to benefit from market cycles that favor precious metals.
A Silver IRA is a self directed individual retirement account that holds physical silver coins and bars as part of your retirement savings. It isn’t a separate account type — it’s part of a broader Precious Metals IRA.
When you open a Precious Metals IRA, you have the ability to hold physical gold, silver, platinum, and palladium — all within one self-directed retirement account.
With a Precious Metals IRA, you can hold gold, silver, platinum, and palladium all within the same account. Your silver is stored in an IRS approved depository under your name, fully insured and audited for your protection.
This is not a silver ETF or mining stock. It’s real, allocated silver that becomes a foundation of your retirement portfolio.
Silver behaves differently than gold — and that difference brings unique benefits to a retirement portfolio.
Bottom line: Silver brings energy to a Precious Metals IRA. It complements gold’s steadiness with movement, affordability, and opportunity.
The IRS requires silver in an IRA to be at least 0.999 purity. Eligible products include:
What doesn’t qualify?
Collectible coins, older numismatics, or jewelry. McAlvany advisors ensure every ounce in your IRA is 100 percent IRS approved.
Silver brings a unique balance of growth potential and protection to a retirement portfolio. Unlike paper assets that rely on the strength of financial markets, silver is a tangible asset with centuries of proven value.
Diversification Beyond Stocks and Bonds
Silver’s price movements often differ from equities and bonds, helping reduce overall portfolio risk. Adding silver means you are less exposed to the same market swings that affect traditional assets.
Hedge Against Inflation and Currency Risk
Silver has historically gained value in times of inflation, government debt expansion, and dollar weakness. It serves as a safeguard, helping protect purchasing power when paper assets lose ground.
Industrial Demand Creates Support
Nearly 60 percent of silver demand comes from industries that are shaping the future — renewable energy, electric vehicles, electronics, and healthcare. This industrial base provides steady long-term demand.
Accessibility and Leverage
Because silver trades at a fraction of gold’s price, investors can accumulate more ounces with the same investment. That affordability gives greater leverage to price gains when the silver market rallies.
Undervalued Compared to Gold
The gold to silver ratio near 90 to 1 highlights silver’s undervaluation. If that ratio moves closer to its historical norm, silver has significant upside potential, making it a compelling addition to an IRA today.
7 Consecutive Years of Supply Deficits — Nearly 800 million ounces shortfall from 2021 through 2025.
60 Percent Industrial Demand — Driven by solar panels, electric vehicles, 5G, and medical technology.
Affordable Entry Point — Silver trades far below gold, making larger allocations accessible.
Gold to Silver Ratio Near 90 to 1 — Well above the historical average of 50 to 1, suggesting silver is undervalued.
Up Nearly 30 Percent in 2025 — With forecasts projecting silver could climb to 40–50 dollars per ounce in the near term.
Silver’s demand is being reshaped by technology and industry. From clean energy to advanced electronics, silver’s role in modern life is expanding — and supply deficits highlight its long-term potential as part of your IRA.
Silver is vital for solar cells, enabling efficient energy capture. With solar capacity set to nearly triple by 2030, demand for silver in photovoltaics is climbing steadily.
Semiconductors and 5G infrastructure depend on silver’s unmatched conductivity. As the digital economy grows, silver’s role in electronics will only deepen.
Silver’s antimicrobial qualities make it essential in medical devices, wound care, and water purification. Healthcare demand continues to expand worldwide.
Industrial uses now account for about 60 percent of silver demand, creating persistent market deficits and supporting its case as a long-term IRA asset.
Silver’s potential is powerful — but you want the right guidance to use it effectively. Here’s what makes McAlvany the trusted choice.
One of America’s original precious metals firms, with decades of earned client trust and a reputation for integrity.
Among the first to help investors hold physical silver inside retirement accounts — setting the standard for Precious Metals IRAs.
Our advisors specialize in helping clients use the gold to silver ratio to grow holdings strategically and make the most of market cycles.
You work with a real advisor, not a call center. No hidden markups, no gimmicks — just honest, prudent, experience-driven guidance.
“Working with McAlvany Precious Metals has been one of the best financial decisions I’ve made. I was looking for a way to protect my retirement savings from market volatility and rising inflation, and their team guided”
“Working with McAlvany Precious Metals has been one of the best financial decisions I’ve made. I was looking for a way to protect my retirement savings from market volatility and rising inflation, and their team guided”
“Working with McAlvany Precious Metals has been one of the best financial decisions I’ve made. I was looking for a way to protect my retirement savings from market volatility and rising inflation, and their team guided”
Get a personally tailored plan specific to your financial goals and needs. Connect with an advisor today.
Straightforward answers to the most common questions about how Silver IRAs work, what qualifies, and the benefits they can bring to your retirement.
A Silver IRA is a self-directed individual retirement account that holds physical silver coins and bars as part of your retirement savings. A Silver IRA isn’t a different type of account — it’s part of a broader Precious Metals IRA.
When you open a Precious Metals IRA, you have the ability to hold physical gold, silver, platinum, and palladium — all within one self-directed retirement account.
Instead of being limited to paper assets like stocks, bonds, or mutual funds, a Silver IRA lets you diversify with IRS-approved silver bullion, tangible metal secured at a trusted depository under your name.
This isn’t a silver ETF or a mining stock. It’s real, allocated silver that becomes part of your retirement foundation.
A Silver IRA is a self-directed individual retirement account that holds physical silver coins and bars as part of your retirement savings. A Silver IRA isn’t a different type of account — it’s part of a broader Precious Metals IRA.
When you open a Precious Metals IRA, you have the ability to hold physical gold, silver, platinum, and palladium — all within one self-directed retirement account.
Instead of being limited to paper assets like stocks, bonds, or mutual funds, a Silver IRA lets you diversify with IRS-approved silver bullion, tangible metal secured at a trusted depository under your name.
This isn’t a silver ETF or a mining stock. It’s real, allocated silver that becomes part of your retirement foundation.
A Silver IRA is a self-directed individual retirement account that holds physical silver coins and bars as part of your retirement savings. A Silver IRA isn’t a different type of account — it’s part of a broader Precious Metals IRA.
When you open a Precious Metals IRA, you have the ability to hold physical gold, silver, platinum, and palladium — all within one self-directed retirement account.
Instead of being limited to paper assets like stocks, bonds, or mutual funds, a Silver IRA lets you diversify with IRS-approved silver bullion, tangible metal secured at a trusted depository under your name.
This isn’t a silver ETF or a mining stock. It’s real, allocated silver that becomes part of your retirement foundation.
A Silver IRA is a self-directed individual retirement account that holds physical silver coins and bars as part of your retirement savings. A Silver IRA isn’t a different type of account — it’s part of a broader Precious Metals IRA.
When you open a Precious Metals IRA, you have the ability to hold physical gold, silver, platinum, and palladium — all within one self-directed retirement account.
Instead of being limited to paper assets like stocks, bonds, or mutual funds, a Silver IRA lets you diversify with IRS-approved silver bullion, tangible metal secured at a trusted depository under your name.
This isn’t a silver ETF or a mining stock. It’s real, allocated silver that becomes part of your retirement foundation.