Should You Hold, Sell, Or Exchange?
Evaluate physical gold and silver exchanges using the Gold-Silver Ratio, dealer spreads, transaction costs, and your own trigger levels.
1. Enter Current Prices
2. Set Your Decision Rules
Your Holdings
Dealer Spreads
Gold Costs
Silver → Gold Exchange
Use this when the ratio is low and you are considering selling silver to acquire gold.
Gold → Silver Exchange
Use this when the ratio is high and you are considering selling gold to acquire silver.
Break-Even Reversion Test
This estimates the future ratio needed to exchange back and recover at least the original metal ounces after spreads.
Decision Explanation
Trade Log
Optional tracking area. Add a row before or after an exchange to record the date, ratio, reason, and result.
| Date | GSR | Action | Metal Sold | Metal Acquired | Notes |
|---|---|---|---|---|---|
Student Guidance
High ratio: silver is relatively inexpensive compared with gold. Review whether exchanging gold into silver may increase long-term ounce potential.
Low ratio: gold is relatively inexpensive compared with silver. Review whether exchanging silver into gold may lock in gains from a prior silver accumulation period.
Neutral range: the calculator suggests holding unless there is a separate liquidity, dealer, or portfolio-rebalancing reason.
Educational use only. This is not tax, legal, or individualized financial advice. Physical metal spreads, premiums, taxes, storage, and dealer inventory can materially change the outcome.