Today, we are inundated with global news that highlights the Russian Ukraine war, conflict in the Middle East and many stories out of Washington D.C. as President Trump continues to put the hammer down on the global trade war with new tariffs that impact dozens of countries export and imported consumer goods. Inflation has now jumped again a 3% increase over a year ago according to a report from AP news https://apnews.com/article/inflation-economy-federal-reserve-48e77a855078b37bf3ccd58c9db94c82. The stock market has been extremely volatile and large institution investors, like Warren Buffet with Berkshire Hathaway have reduced their exposure to the U.S. stock market significantly warning about the risks to America from “fiscal folly” and from “scoundrels and promoters” who “take advantage of those who mistakenly trust them as quoted in MarketWatch ” https://www.marketwatch.com/story/warren-buffett-warning-of-scoundrels-and-fiscal-folly-slashes-his-exposure-to-u-s-stocks-15c6e66a?g=6a851ac8-842f-436a-9c0c-5b0f1a415fb4&link=sfmw_tw&mod=mw_rss_bulletins. This article goes on to illustrate how expensive stock is today compared to the gross national product.

So how does this impact you and your retirement money today? Well, we have been trained to not watch the markets and just sit back and believe that over years that the stock market will lose in a correction (i.e. a drop of 10%) and every decade we will see a black swan event or two that will wake you up to either log in to your IRA brokerage account to see how much money you lost or cause concern for the future. A black swan event like the financial crisis in the banks of 2008-2009 when 45% of the S & P 500 value was lost, the Covid pandemic of 2020-2021, the dot.com bust in 2000, Black Monday 1987 and so on.

Rather than sit back and trust that your money is safe now that you are in your 60’s to 70’s it is time to consider protecting your hard-earned wealth over the years in a different way than just relying on stocks to grow and then crash in value and then come back. Today as we are 15-20 years older than the last significant stock market crash period (i.e. 2008 financial crisis) we do not have more time on our side. We really need to create a way to have better “asset balance” in our money. A balance between different types of assets, like stocks or bonds, hard assets, etc. Having all 100% of your money in financial markets is risky! It doesn’t matter if it’s diversified between industries, sectors or types of investments. You need RISK PROTECTION in different things. YOU NEED RISK MANAGEMENT beyond what your financial advisor has your money invested in. Think about BUYING INSURANCE as a similar strategy. You know you need to have coverage on that new cabin, new boat or new home addition in case of fire or storm damage, right? Similarly, you need to think in terms of taking away “risk” to your retirement money whether its sitting inside an IRA or in a brokerage account. The old adage to remember is that when “one goes up, the other goes down” so when stocks go down, gold goes up! So, gold is very much like buying insurance. It is good to own both type of assets. Think about another analogy. You have a horse race. If you only have one horse in the race it could win if it doesnt get injured preventing it from finishing the race. So, having two horses in the race will all but guarantee you will have a horse finish the race, much like having enough money and protecting that money for your retirement years.

Buying private physical gold is a great way to safeguard your retirement money to have that “insurance” on your money or “another horse in the race”. Gold is a tangible asset that is its own currency in a matter of speaking. Global central banks buy thousands of tonnes of gold as a back-up to their paper money fiat currency as a safe-haven asset strategy. Gold has its own value when the Dollar falls, and the financial markets are in danger like today. In the last year, there has been unprecedented demand for gold worldwide sending the value to over $3,300 per oz which is a 37% increase over a year ago. You can buy actual physical gold (or silver) coins direct from us or use an existing retirement account, IRA, SEP or old employer 401(k) to self-direct funds to a separate IRA that just holds physical coins! This is a tax-deferred transfer of funds between retirement accounts.

In summary, don’t wait until the financial markets melt down again until you take action. Take control over your retirement money today by protecting it with private gold and silver for your retirement peace of mind.