The Golden Years: How to Use Precious Metals as Part of Your Retirement Plan

Physical Gold, Silver, Platinum and Palladium represent real wealth to many people, and owning Precious Metals products gives them the security they desire. If you are reading this, you are likely among those who feel that Precious Metals investment is an important part of protecting and growing your wealth. But what about the most important investment portfolio: your retirement portfolio?

Have you made a specific plan to include Precious Metals investments in your retirement? If this is one of those things you “haven’t gotten around to,” APMEX is here to help. Including Precious Metals in your retirement planning is simple with a Precious Metals IRA and APMEX makes it easy to begin.

Why Precious Metals?

All the advantages of Precious Metals investing extend to a Precious Metals IRA. Physical Gold and Silver are excellent hedges against inflation, maintaining the same relative buying power to price per ounce over time. Additionally, since Precious Metal prices tend to move independently of the stock market, they can provide a bright spot among your investments in the event of an economic downturn. Further, diversification is key to building a strong portfolio. A great diversification plan cannot depend on stocks and bonds alone, and Precious Metals can provide the balance and diversity you want.

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What Percentage of My Portfolio?

While exactly how much of your overall retirement investments goes into Precious Metals is a very personal choice, there are some general rules of thumb for you to consider.

  • A conservative Precious Metals investor will have less than 5 percent of their overall retirement investments in Precious Metals. This may not be enough to provide balance to one’s portfolio, but will provide some benefits.
  • A diversified Precious Metals investor may have up to 10 percent of their overall retirement in Precious Metals. They believe in careful diversification and balance and know that the stock market alone cannot provide it.
  • An aggressive Precious Metals investor may have up to 15 percent of their total retirement plan in Precious Metals. These investors believe fiat currency is problematic and want commodities as a hedge against collapse.

You will want to examine your motives for investing in a Precious Metals IRA to determine what percentage is right for you.

How to Get Started

Getting started with a Precious Metals IRA is simple. Essentially, there are three steps between you and owning a Precious Metals IRA.

  1. Open a Custodian Account. The IRS requires that IRA Precious Metals be kept in a custodian account. If you have a custodian, APMEX will happily work with them. If you need a custodian, you can call APMEX at (800) 418-0235 for help selecting one.
  1. Fund the Account. Once you have a Custodian Account, you can fund it with cash or roll over an existing IRA or former employer 401(k). Once again, APMEX has IRA specialists ready to assist you.
  1. Purchase Approved Products. As soon as your account is funded, call APMEX to select among the many available IRA-approved products.

There will be a bit of paperwork but APMEX can assist you every step of the way, making starting a Precious Metals IRA simple and hassle-free.

IRA Approved Products

iraNow for the fun part! Selecting Precious Metals items for your Precious Metals IRA can be an exhilarating part of Precious Metals investing. APMEX has many IRA-approved products, from the perennially popular American Gold Eagle to the always-elegant Gold Austrian Philharmonic. For those looking to include Silver in a Precious Metals IRA, AMPEX carries the well-known Canadian Silver Maple Leaf as well as heftier items such as a 10 oz Silver Bar by APMEX.

Adding Platinum and Palladium to your IRA is easy with APMEX, too, as IRA-approved products are all clearly labeled. This gorgeous PAMP Suisse 1 oz Platinum Bar is eligible, as are the Canadian Palladium Maple Leafs.

Knowing why and how to use Precious Metals as part of your retirement plan, you can see how important it is to get started with a Precious Metals IRA today, as well as how easily you can begin. Help secure your future with Precious Metals.

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Decisions, Decisions: Narrowing Down the Options to Select the Right Precious Metal Product for You

If you’re new to Precious Metals, we understand you might have difficulty looking at the veritable smorgasbord of interesting items on APMEX.com. Let’s talk about how you can narrow down the many options and select the Precious Metal product that’s right for you.

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Identify Your Goals

The first step in selecting the right Precious Metal products is to honestly assess your goals in collecting Precious Metals. Are you strictly investing for the future and intend to hold on to your Precious Metal investment indefinitely? A large Silver bar may be just what you’re looking for. The 100 oz APMEX Silver Bar, for example, is a great way to own more .999 fine Silver in fewer physical pieces. Also, this particular bar has an innovative building-block design to make them stack securely in the most satisfying way.

Conversely, if your goal in Precious Metal investment is more like a savings plan, meaning you want to hold on to your Precious Metal but enjoy having something to liquidate in case of an emergency, smaller, easily negotiable pieces are probably for you. The gorgeous PAMP Suisse Gold bars are available as small as a single gram, for example. Liquidating a small portion of your Precious Metals investment in case of an emergency is much easier when you own many smaller items.

Identify Your Preference

Your preferred form of Precious Metals is wholly personal. Perhaps your very first Precious Metal purchase was a popular Silver American Eagle and the thrill of collecting sovereign coins has never left you. You can absolutely build a strong investment portfolio in coins.

On the other hand, perhaps you had to work up to buying bars and now love looking at your hand-poured ingots just to feel rich. There is no wrong answer! Whether you most enjoy sovereign coins, bullion bars or rounds, or novelties, it is entirely personal and up to you. APMEX carries items of all types fitting for any Precious Metals buyer.

Identify Your Budget

Whatever your monthly or yearly investment budget is, APMEX has items for you. If you wish to make a smaller monthly contribution to your Precious Metals investment portfolio, you can make a purchase as modest as a single Silver Maple Leaf. The important thing is you are investing in your future, even if you need to build your portfolio slowly.

Alternatively, a more seasoned investor may plan on putting $2,000 into Precious Metals this year. They could make a single purchase of a couple of Gold Oriana Bars for an IRA account and not think about their Precious Metals portfolio for a few months.

Huge Selection

APMEX is extremely proud of the huge selection of Precious Metals products we have to offer. It is our pleasure to speak to the desires and interests of each of our customers. Narrowing down the many choices of Precious Metals products to choose what is right for you does not need to be daunting. Remember that your needs will change, your purchasing power will fluctuate and your tastes may shift. Concentrate on your goals, your preferences and your budget to choose what is right for you, right now.

Additional Resources

We recommend the following resources to help guide your decision:

If you would like to speak to our of our friendly and knowledgeable account representatives, contact us by calling (800) 395-9006 or email salesquestions@APMEX.com.

From Our Family to Yours…

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The holiday season means so many different things to us all. For me, it’s a time when I reflect on the past year and count my blessings: A loving family, faithful friends and the opportunity to live my passion every day.

This year, APMEX celebrated our 15th anniversary and I could never have imagined we would be able to serve so many incredible people through this journey. I love seeing my dream, and the dream of our APMEX team, become a reality.

During this wonderful time of year, we are moved to show you, our customers, how much you mean to us. From funding a scholarship for young numismatists to feeding thousands in our community, we take our inspiration from you. Thank you for supporting us and helping us support others.

From our family to yours, with heartfelt appreciation, we thank you for your commitment to APMEX and wish you happiest of holidays.

Warm wishes,

Scott Thomas
President, APMEX

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How to get your child interested in Precious Metals

Even the most avid Precious Metal investor may struggle to share their passion with the young people in their lives. Especially when something is as important as building financial security, children may eschew it as boring or complicated. Figuring out how to reach your child regarding the vital importance of planning for the future can be difficult.

SupermanGetting kids truly interested in the process and setting them on the right path may seem impossible. However, you can get your child interested in Precious Metals investing in a way that feels both fun and relevant to them. Let’s examine different strategies for getting your child interested in Precious Metals investing.

 

The Value of Money

One of our most essential duties as a parent is to teach our children the value of money. When we make sure they understand the importance of planning and saving, we are establishing their ability to flourish as adults. What we model for our kids matters.
When you teach your child the value of the proverbial dollar, show them the work that goes into earning and growing your money, and demonstrate sound investments by letting them know you buy physical Gold and physical Silver, you are setting the best possible example. Your child’s interest in Precious Metals investing will definitely be piqued just by knowing you engage in it and seeing your coins and bullion.

Creating Traditions

Children thrive on tradition. Knowing something will happen with regularity builds great security and content in a child’s world. You might consider building a tradition around a Gold or Silver coin. If your child knows every year there will be a new Gold American Eagle hanging on the holiday tree in an ornament capsule, it can generate great excitement and interest. Or perhaps birthdays are your family’s bigger gift-giving occasion. A yearly present of a U.S. Mint coin could build an interest in numismatic collecting.

A child who develops a passion for collecting will become a solid investor. Even a young person with a modest allowance could buy a beautiful Silver American Eagle, and their interest in collecting and investing will grow exponentially with each acquisition.

Appealing to Their Interests
If modeling sound investments and creating traditions around
Precious Metals investing do not seem to build interest in Precious Metals investing in your child, what else could pique their curiosity? Luckily, there is a way. Educators routinely advise parents to meet their children on their level. For example, if a child is struggling to read but loves superheroes, look for superhero books to entice your son or daughter into reading.

You can use this strategy to build interest about Precious WolfMetals investing in your child. If your child is passionate about wildlife, there are fascinating coins featuring amazing animals. Perhaps an adorable Chinese Silver Panda, a Howling Wolf, or a majestic Somalian Silver Elephant would captivate your child. The possibilities are endless! Something is sure to speak to your child’s existing interests, helping you build the bridge to Precious Metals investing.

Whether you choose one of these paths or a combination of strategies to interest your child in Precious Metals investing, you absolutely can accomplish this goal. Teaching our children the value of a dollar is one of a parent’s most sacred duties. Without that knowledge, they can never look forward to a secure financial future. Begin today getting your child interested in Precious Metals investing.

Scholarship Offer: Attend the American Numismatic Association’s Summer Seminar

We’re excited to announce a new investment opportunity… our chance to invest in YOU!

APMEX has created two scholarships for American Numismatic Association members who wish to attend the organization’s Summer Seminar in Colorado Springs, Colorado. Attendants get to mingle and learn from other passionate numismatists for an entire week, exploring topics that enrich hobbies, investments and even careers.

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The scholarships cover everything, including:

  • Tuition
  • Room & board
  • Round-trip airfare

APMEX sees this as an opportunity to give back to those who helped us follow our dreams. We not only want to see other numismatists follow theirs, we want to help them get there, too!

Visit our scholarship page to learn more and apply. Applicants must be at least 13 years old and members of the ANA.

2015 Gifts for Under $100

If you’re still not sure what present you would like for that special someone in your life, we invite you to check out some ideas we have to share. These selections are all under $100, so you can gift to everyone on your list! We at APMEX are confident we have the perfect gift for your loved one.

For the Man in Your Life

Is your husband or brother a huge Star Wars fan? Besides the cool Darth Vader coin you saw in the APMEX Holiday Gift Guide, we have colorful coins featuring intriguing characters, such as this 2016 Niue 1oz Silver $2 Star Wars Kylo Ren coin. There is a world of Star Wars to discover!


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Know an avid fisherman? He may appreciate one of the coins in the Royal Canadian Mint’s North American Sportfish series, which includes the beautiful 2015 Canada 1 oz Silver North American Sportfish Largemouth Bass coin. There are also trout, pike, and walleye depicted in attractive action scenes!

Delight the little boy your loved one used to be with a very grown up Army guy! The little green Army men of our youth, rendered in .999 fine Silver, make a great trinket to honor the childhood of any man.

For the Ladies

Do you know a devoted Royal Watcher? Surprise her with the Perth Mint’s darling 2015 Australia 1 oz Silver Princess Charlotte Proof. This lovely coin depicts Their Highnesses with Prince George and the newest little one, Princess Charlotte.Pendant

Perhaps your wife, mother or daughter only wants one thing: jewelry! APMEX has you covered. We offer dozens of Silver jewelry options, available at modest price points. You might wish to look at the especially beautiful 5 gram Silver Gilded PAMP Suisse Fortuna Pendant. The stunning Fortuna design is highlighted in Gold for an unusually striking look. This item comes with a chain.

Sometimes what she really needs is the right item to transform a coin she already owns into the showpiece she deserves. We have an array of Silver Bar and Coin Bezels to do just that! A favorite coin can become the treasured adornment she has always wanted.

For Kids
Perhaps you would like to start your child on a path to real Precious Metals collecting. The 2015 Somalia 1 oz Silver Elephant may be just what you’re looking for! This series is especially desirable for collecting because the artwork changes annually. Gifting one of these could begin an important tradition, so this is a gift that will be exciting as well as educational in the long run.

super girlDisneyana is often a good bet if you want to delight a child. APMEX is thrilled to offer a wide variety of licensed Disney coins from the New Zealand Mint’s series celebrating Disney personalities. This 2014 Niue 1 oz Silver $2 Disney Donald Duck coin is a particularly charming part of the series, sure to tickle any child’s fancy.

If superheroes are all the rage in your house, there are many coins celebrating these beloved comic book characters. APMEX carries coins featuring Spiderman, Batman, Superman and the Avengers. An especially exciting coin right now is this fun 2015 Canada 1/2 oz Silver $10 DC Comics Originals: Strength featuring Supergirl!

If you’re reading this, you probably already love shopping with APMEXAPMEX Holiday Gift Guide
and have looked at our beautiful APMEX Holiday Gift Guide. As many gorgeous items are featured in the Gift Guide, it only shows a tiny fraction of what APMEX has to offer.

As you can see, the possibilities are truly endless with APMEX. Complete your holiday shopping today with affordable Precious Metals items that are sure to delight!

Precious Metal Gifts for Your Children to Enjoy

There are those who would scoff at the idea of gifting children Precious Metal products. They may wonder why anyone would purposefully give a kid something so valuable. However, getting children interested in Precious Metal collecting is a great way to set them on the path to becoming Precious Metal investors.

Putting an exciting coin in a child’s hand could be a crucial first step toward lifelong financial literacy and stability. So, what Precious Metal item could you present to a child that is both appropriate and enjoyable? Let’s look at some possible gift items for the young people in your life.

Personal Interests

An excellent guide to selecting what Precious Metal item might interest the young person in your life is the young person himself! There is an appropriate coin for every imaginable interest.batman coin

Is your son going through a Batman phase? There is a 2014 Niue 2 oz Silver 75 Years of Batman Proof coin that would make his jaw drop. Perhaps your daughter recently announced her plan to pursue marine biology. Show your belief in her dreams with a gorgeous 2015 Niue 1 oz Silver $2 Ocean Predators Giant Squid.

Anything your child might love, from sailboats to elephants, is featured on a coin available from APMEX. Presenting your child with a token representing their interests will show them you listen and share in their hopes and plans.

Personal Commemorative Items

84852_SlabIs your family taking that long-awaited trip to Disneyworld this year? You might consider presenting your child with a fun 2014 Niue 1 oz Silver $2 Disney Mickey Mouse coin, either as part of sharing the news of the trip or as a coming-home keepsake. Mementos such as these become sentimental favorites but are also valuable Precious Metal products.

Perhaps your teen completed a rigorous French foreign language exchange this year. You may give her this unusual 2014 British Virgin Islands 1 oz Silver 125th Anniversary Eiffel Tower coin. The only limit to what you can commemorate or celebrate is your own imagination. There is always a Precious Metals product appropriate to your family’s occasion.

Building Traditions

Another great way to help your children truly holiday-silverenjoy a gift of Precious Metals is to make it part of your family’s traditions. There are many holiday-themed Silver items available at APMEX, from delightful fractional coins featuring tobogganing wildlife to large pieces showcasing spectacular snowflake artwork. Making one of these charming items part of your holiday celebration each year builds real excitement for children.

Consider displaying these coins on your holiday tree in an ornament capsule. Presentations like this take a valuable Precious Metal product and make it something children love and hold dear.

Children can truly enjoy Precious Metal gifts. Speak to their interests, commemorate their experiences and build traditions to help them treasure Precious Metals products long before they understand the real importance of Precious Metals investing.

 

Visit our Holiday Gift Guide for more gift ideas for the whole family. 

APMEX Holiday Gift Guide