With silver rallying 18% YTD and Taloja flats up 9%, retail investors are split. Our 10-year risk-adjusted model: silver CAGR 10.8%, standard deviation 22%; Taloja flat CAGR 9.2%, SD 6%. Post-tax: silver deemed sale 3 yrs attracts 20% LTCG with indexation; property 20% plus 1% TDS. Transaction cost: silver 0.5%, property 7%. Liquidity: silver instant, property 3–6 months. We blend 70% property + 30% silver ETF to reduce portfolio SD to 8% while maintaining 9.5% return. Keywords: silver vs real estate, commodity investment, portfolio diversification.