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<p>[QUOTE=&quot;Paul M., post: 2499693, member: 73165&quot;]The point of cash in a savings account is not to earn more money; it&#039;s to have money available when there&#039;s a need for it.&nbsp; You don&#039;t want to have to be selling gold bullion when the transmission on your car goes out (for example). </p><p><br /></p><p>The IRA is for investing for the future and should be invested in a diverse portfolio of stocks and bonds.&nbsp; Timing the market is a fool&#039;s errand, whether it&#039;s about stocks or gold or whatever.[/QUOTE]</p><p><br /></p>

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