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Individuals saving toward retirement should use a variety of investment instruments in order to secure a store of wealth. Among the investments considered as “safe haven” vehicles are Treasury bonds (T-bonds) and gold bullion. Both gold and T-bonds have a low tolerance risk and can gradually generate income over the long-term.
The benefits of investing in Gold
Gold is widely recognised as an inflation hedge and offers long-term yields. Precious metals’ has earned its status as a safe haven because it is a reliable asset that can help protect retirement funds against the decreasing value of paper-based assets in a weak economy.
Gold is no different from other investment tools in that it fluctuates in price. However, the strength of gold lies in its capacity to increase in value over time. Investors may have to wait to realise significant profits, but for investors looking to diversify a retirement portfolio, gold represents a defense against the eroding value of paper-based assets.
There will always be a high demand for gold because of its use across numerous industries. Due to its conducive nature, precious metals are used widely in technology and electronics. There is also a significant desire for gold in emerging economies with large populations such as China and India that exchange gold as a wedding dowry.
The benefits of investing in Treasuries
Treasury bonds are tethered to the US-dollar and are backed on the faith of the federal government. Unlike equity investments, T-bonds do not fluctuate as violently as equities and earn a steady rate of interest over the term of the bond – typically five years. One of the advantages of investing in Treasuries is the interest payments are exempt from tax.
Although there are clear benefits in purchasing Treasuries, they are not the best investment opportunity for all investors saving towards retirement. T-bonds yield relatively low returns of 2-3% interest, thus are not reliable as a solitary investment tool over the long-term.
The best time to invest in T-bonds is during retirement as they provide a consistent and reliable return. Individuals gearing up for retirement would do well to look towards Treasuries to create a safe income stream during retirement. Young investors are best advised to buy gold and reap the long-term rewards of precious metals.
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Gold IRA provide professional advice and assistance to ensure our customers are well educated when it comes to deciding how to best build your retirement portfolio. We believe the best way to enjoy your retirement is to protect your retirement funds.