I don't know. I have read several ideas on that. I adopted a couple for myself. The first was from Mike Maloney. First you should become familiar with Dow/gold and silver gold ratios and how each have a market personality and respond to what the other does - a large study period. But Maloney suggests a minimum of 300 ounces of silver. The average price of a house is/was $185k. The reasoning is 300/185=$62 an ounce silver, which for most people is a reasonable target if you wanted an average house. Not everyone has that sort of scope.
I had properties I began selling in 2019 and after a while I began dividing the proceeds between silver, gold and a long term investment yet determined. In 2021 I sold the last property and capped gold and farm investing and kept silver as a dump for loose cash. I now have more metal than I ever thought I would. I had no detailed plan. Just do it. The plan was solid on its own.
So, now I look at it and ask what am I going to do with this besides leave it to Mercedes? If it is held for ever the value will fluctuate to where its dollar value can not be relied on. The only sensible thing to do is focus on a minimum target and diversify from that point where appreciation can be realized. $300 is where that point begins.
From $300 I valuate assets near a historic low, estimate their potential and gather those having a genuine value - trade one asset approaching a high for an asset approaching a low. Of course comfort will be a commodity sought as well.
To answer your question?????? A $185k house may be good for one but not the next. You can set goals and ideas for your taste. Anything beyond that of a basic requirement is up to you. But what are you going to do with any wealth you have? Buy hookers, pizza and tattoo's? If you leave it in the banks history says you will likely lose it. If you had 500 ounces you could get that house, a truck, bike and fishing boat. It is up to you.
My plan removes my wealth from the system; converts to a physical asset, free and clear and completely in my hands; it suggests a target and trade for a continuation of wealth should I live long enough; and it affords value with growth potential for my survivor.
I sold most everything I have and converted. Most property will lose its value. It is a freaky thing to do - sell everything. I kept two cars, the boat and the PHouse. I'm conditioned now. I am very confident of the decision. I don't believe I could have done it better.
If 300 ounces are too much, then think of comfort or survival. The potential for $15 loaf of bread is real. This is why I say all in.
