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<p>[QUOTE=&quot;mystery45, post: 979107, member: 19591&quot;]Don&#039;t get scared so far you haven&#039;t lost anything.&nbsp; you don&#039;t lose until you cash out or buy something else.&nbsp; Mutual funds have had almost a constant pay back of 12% over the long term.&nbsp; I took a hit a couple of years ago but kept pumping money into it and now the market paid me back last year.</p><p>&nbsp;</p><p>you have to remember that retirement investing if for the long term not short term.&nbsp; it is even longer than gold.&nbsp; you have to look 20-30 years ahead.&nbsp; it generally is a bad idea to put all your eggs in one basket.&nbsp; it also isn&#039;t worth handing the federal government half of what you put in there.&nbsp; it will take you 5x longer to recoup than to leave it.</p><p>&nbsp;</p><p>I suggest maybe cutting back on your 401k and divert some of the money into a roth.&nbsp; there are limitations on roth&#039;s but it is all after tax spending so you don&#039;t pay any taxes on the money when you go to withdraw it.</p><p>&nbsp;</p><p>Gold and silver are strictly there to try and secure monitary value.&nbsp; it is not something that you look to make a fortune on.&nbsp; if you were smart and back in the 80&#039;s when gold was like 200 and oz then yea you would be sitting pretty about now.&nbsp; if you had bought a 1 ounce every year just in base melt it would be like 26K but that is over a 20 year period.</p><p>&nbsp;</p><p>Now take your 401k or mutual fund you have 67K on average mutual funds earn about 12% a year.&nbsp; so lets take that at 20 years.&nbsp; lets say you put 200 bucks a month or 2,400 a year (not including employeer).&nbsp; over a 20 year period you would have 839 almost 840K dollars.[/QUOTE]</p><p><br /></p>

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