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<p>[QUOTE=&quot;Brett_in_Sacto, post: 2214943, member: 71510&quot;]At your age, now is a good time to be looking at retirement.&nbsp; If you can put just a bit away, you have a long time to compound interest and value appreciation.&nbsp; </p><p><br /></p><p>You also have a lot of time to recover if you make mistakes - and if you make them small, you&#039;ll do well.</p><p><br /></p><p>Having a bit of precious metal in your portfolio would give you a horizon of about 60 years before you really hit the point of needing to sell.&nbsp; </p><p><br /></p><p>You are also smart enough to know that you do have a retirement age and you should be able to reach it with your investments.&nbsp; Maybe you start by buying an ounce of silver a month and putting the same into an IRA in a target fund - or even better - an active fund and start to study the &quot;target date&quot; funds moves.</p><p><br /></p><p>Good luck to you either way, good to see some in your generation has an eye on more than Justin Bieber.&nbsp; <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" />&nbsp; <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" /></p><p><br /></p><p>I turn 45 this year.&nbsp; If I had done the &quot;ounce a month,&quot; from age 20 to 35 I&#039;d have been able to leverage silver&#039;s last run to $40.&nbsp; I would have bought roughly 180 ounces at ~$8 an ounce average up until 2005.&nbsp; That $1440 investment would have turned into $7200.</p><p><br /></p><p>Back on the original subject, there have been several &quot;bullion storage&quot; companies that have gone out of business and left the investor hanging.&nbsp; I&#039;ll store my own metal - and to heck with the government tax dodge.&nbsp; They weren&#039;t there to help these people protect theirs.</p><p><br /></p><p>Add on top of this the &quot;fees&quot; to manage something like this and it just seems like a bad idea for most.&nbsp; But it is another investment tool that people are selling.&nbsp; To each their own.[/QUOTE]</p><p><br /></p>

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