I’m not sure exactly what you’re asking. I’m not a financial advisor, either. Personally, I took money out of my Vanguard IRA, paid a penalty and bought some silver. A little at a time. I’m self employed and don’t make a ton so taxes aren’t really an issue. You need to do what’s right for your situation. If you buy silver and gold it’s not to cash out but to preserve your wealth and for a total collapse where you need silver to buy food or other items to survive. I don’t have much faith in the stock or bond markets at this time so I didn’t want to have too much money in there. That being said I do own some dwac, gme and a couple other stocks, not a ton but enough if they go sky high to make something. I’m unsure also of Vanguard after some things that I’ve seen about them and Blackrock.