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How can the Roth IRA be used to incorporate an investment in gold or silver into the 2010 version of the Roth? – Don


Typically, precious metals such as gold and silver are considered a nice hedge against inflation, which is often accompanied by high interest rates. This investment also may help guard against general uncertainty in terms of economic and political unrest. We typically recommend three to five percent of a portfolio be invested in this type of hedge. Investment options may include purchasing the commodity itself, exchange-traded funds or mutual funds that invest in companies that mine precious metals. Although very few IRA custodians will hold the actual metals, you could certainly add these types of investments to your Roth IRA in 2011 and beyond.