What are the channels available for ordinary people to allocate silver assets?

My silver returns over 25 years have been quite good. It’s important to know that silver is not only the “poor man’s gold” but also the lifeblood of modern industry.

From photovoltaic panels to AI chips, from new energy vehicles to 5G devices, silver is almost everywhere. Currently, over half of the global silver demand comes from industry, and its price remains at a historical low compared to gold, with very strong “catch-up” potential.

Although you can buy silver domestically, it’s not easy for ordinary people to truly allocate silver assets with low premiums, high liquidity, and long-term holding potential.

Traditional “paper silver” business in banks has either been suspended or become increasingly difficult to access in recent years, making systematic allocation challenging.

After my own systematic research and practical experience, I have summarized three of the most friendly silver allocation paths for ordinary people.

① Hong Kong Bank Precious Metals Account

If you have a Hong Kong card (such as Bank of China Hong Kong or HSBC), you can open a gold/silver account directly through mobile banking.

These accounts essentially follow the spot prices of the London gold and silver markets:

· Very low spreads
· No storage or custody costs
· Can be exchanged into HKD at any time
· Supports long-term fixed investments

You hold “price-based silver,” not a physical silver bar, but for most investors, this is more efficient and cleaner, making it very suitable for long-term allocation.

② Silver ETF

This is currently the most standard and professional way to invest in silver globally.

As long as you have a US or Hong Kong stock account, you can directly buy:
· SLV
· SIVR

Both are backed by physical silver stored in warehouses recognized by the London Bullion Market Association, with high liquidity, and trading is as simple as stocks.

You are buying ETF shares, not a physical silver bar in your name, but their prices almost completely follow the international silver price, making them institutional-grade silver allocation tools.

If you want to engage in more aggressive trading, you can also use AGQ (double long silver), but note: such leveraged ETFs are only suitable for short-term trading and not for long-term holding.

③ “Silver Price-Linked Assets” on Exchanges

On crypto exchanges, you can also trade synthetic assets or contracts linked to silver prices using USDT / USDC.

The advantages of these products are:
· 24/7 trading
· No need to deposit or withdraw funds to banks
· Can participate with very small amounts (even 0.01)

But it’s important to clarify:
These are price-linked tools, not actual physical silver or ETF shares you own. They are more suitable for trading, hedging, or short-term swings rather than long-term asset allocation.