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For investors looking at gold and silver over the next 5, 10 or even 20 years, a disciplined and balanced approach is key. Experts recommend allocating at least 10–15% of the portfolio to precious metals as a long-term hedge and diversification tool. With sharp price moves and elevated levels, lump-sum investing may not be ideal. Instead, SIPs in gold and silver ETFs offer a smarter way to average costs over time and manage volatility. Physical gold and silver in the form of bars or coins can al