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<p>[QUOTE=&quot;Clawcoins, post: 3135695, member: 77814&quot;]I’ll take another tack</p><p>What is your true and real objective for saving and investing?&nbsp; Ignoring how to accomplish that.</p><p><br /></p><p>Do you know right now you can get about 1.8% in a savings account?&nbsp; How does that compare to gold?</p><p><br /></p><p>The stock market is full of “segments” of various types of investments that, currently are losing badly, losing, flat, gaining or gaining largely both domestic and international stocks and govt or commercial bonds.&nbsp; Basically pick your poison.</p><p><br /></p><p>Of course in hard assets you have real estate, metals, and a multitude of other commodities.</p><p><br /></p><p>Governments around the world invest in the stock markets.</p><p>I wouldn’t worry too much about when the baby boomers retire and draw down their nest eggs.&nbsp; The markets will balance out.</p><p><br /></p><p>Of course you may also consider the liquidity of an investment in various economic conditions.&nbsp; For instance metals may be considered liquid until price drops and no one wants to buy except at firesale prices; then dependent upon ones risk/reward ideology may not be able to sell.&nbsp; Thus they aren’t very liquid.</p><p><br /></p><p>Of course a company stock may have scandals and stock price drops like a rock (ie Valeant pharma)&nbsp; thus mutual funds will shield against an individual stock investment but will blunt explosive individual stock growth.&nbsp; A company may create a fad and have explosive growth just to quickly fade into oblivion after others enter the market segment.</p><p><br /></p><p>A commercial bond fund can create income or reinvestment of 10-20% annually.</p><p><br /></p><p>So many choices dependent upon what one’s objectives are.</p><p><br /></p><p>Even my junk subprime loan investments with medium default rates are better than PMs these past couple of years.[/QUOTE]</p><p><br /></p>

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