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<p>[QUOTE=&quot;Cloudsweeper99, post: 1288531, member: 3011&quot;]I agree that personal improvement is most important.</p><p><br /></p><p>I don&#039;t find the argument pursuasive that PMs are best because they can&#039;t go to zero.&nbsp; A decline in price can be steep and prolonged, which can be almost as bad.&nbsp; PMs have a time and place, and the last decade has been it.&nbsp; But if I had to choose one asset class to own for the next 20 years it would be common stocks because of the compounding that just won&#039;t occur with PMs.&nbsp; But my financial goal is to beat inflation, not match it.&nbsp; Everyone has to decide for themselves what their situation calls for.&nbsp; In the meantime, I still own PMs because the probability of gain still seems to outweigh the probability of loss, but the day will come when this won&#039;t be the case.[/QUOTE]</p><p><br /></p>

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