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<p>[QUOTE=&quot;yakpoo, post: 1108414, member: 18157&quot;]It&#039;s interesting to hear you say that...the 401K is based on Dollar Cost Averaging (DCA). For folks like me that don&#039;t have the time or inclination to actively manage investments, DCA works pretty well.</p><p>&nbsp;</p><p>Take an S&amp;P 500 Index Fund, for instance. <a href="http://www.istockanalyst.com/article/viewarticle/articleid/2803347" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.istockanalyst.com/article/viewarticle/articleid/2803347" rel="nofollow">The annualized return of the S&amp;P 500 over ANY 25 year period since 1926 is 9.61%.</a> If you leverage your DCA to interest rates trends, the return can be higher. Most investment fund families...such as Vanguard (low fees :thumb<img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" /> will automate the process for you.</p><p>&nbsp;</p><p>I got into PMs quite by accident in 2005...well, not PMs exactly (I hate PMs), but OBW rolls of dimes, quarters, and halves from the &#039;50&#039;s and &#039;60&#039;s. These rolls were hoarded like crazy &quot;back in the day&quot; so there are a lot of them out there. They should eventually have some non-zero numismatic value in addition to their PM content...usually (I&#039;ve noticed) around the 70 year mark.</p><p>&nbsp;</p><p>A roll of Unc quarters or halves have a pure silver content of 7.236 Oz&#039;s. A roll of dimes has half that, or 3.618 Oz&#039;s. At today&#039;s silver price ($32.67), the melt value of a roll of quarters or halves is $236/roll and $118/roll for dimes. Just the other day I saw a number of quarter rolls sell on eBay for right around $222/roll...less than melt!</p><p>&nbsp;</p><p>I have more silver than I need so I&#039;m just sitting back...but there are some good buys still out there. I would start slow (maybe one roll/month) and see what happens. If our economy goes into a prolonged period of Japanese style &quot;stagflation&quot;, you may see PM prices drift higher.</p><p>&nbsp;</p><p>I think of coins and PMs as a hobby/security blanket, not an investment. The buying, storage, and selling costs eat up most any profit...assuming you even turn a profit. I would recommend folks stick with stocks and bonds as investments and use the profits to finance their coin/PM &quot;habit&quot;. :too-cool-for:[/QUOTE]</p><p><br /></p>

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