I get concerned when I see someone say the 20-year return was 300%+ and expect that to be duplicated in another 20 years. You are picking a starting point when silver was very low, and it is currently quite high. Guess what the 40-year return on silver was? About 0%. I don't try to predict what it will be at tomorrow or the next year, but over the next 20 years, it is much more likely to be at the current price than at a 300% gain. Silver tends to be a good "investment" only if you buy after a big crash and sell when it surges (1980, 2011, now). Like most advisors will tell you, precious metals should be a very small percentage of your portfolio.