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.


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.



Have You Rebalanced Your Portfolio?

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photo: Richard Perry, New York Times

Gold prices are moving up sharply today as the euro is stabilizing against the U.S. dollar. If you have not rebalanced your portfolio in the last six months, now may be the time for a portfolio review. What is your economic outlook for the next 3-5 years? A well-diversified asset allocation strategy — one that includes Gold and Silver — may help mitigate portfolio risk and provide balance.

The Year-end liquidity Push is winding down. Historically, at the end of any calendar year, hedge funds and investors in general rebalance portfolios. Gold can get caught up in this liquidity (move-to-cash) event. With the new year under way, this activity should be settling, and Gold may begin to move more in line with news and events.

An article from CNBC makes three important points about the jump in Gold prices:
1. The price of Gold has breached a key 200-day moving average. Technical analysts say a close above this level could spark fresh momentum for the metal.
2. The market is still dealing with a sovereign debt crisis in the euro zone. Gold should be well-supported against this backdrop.
3. Buyers in India are stocking up ahead of the wedding season later this month. Buying there is expected to continue through March.

What percent of your investable assets should be allocated to Gold? The percent of your portfolio you choose to commit to Precious Metals depends on your personal goals and risk tolerance, as well as your outlook for the economy. Consider your allocations across your IRA, 401(k) and personal portfolio.

To stay ahead of the trends, check out the APMEX Daily Gold & Silver Market Report, updated three times throughout the trading day.

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Consider the well-known, premier Pamp Suisse Gold Bar, As Low As $39.99 per Bar Over Spot. Easy to stack and store, 1 oz. Gold bars are one of the most popular ways to invest in Gold. The 1 oz. Pamp Suisse Gold Bars are among the purest Gold bars you can own at .9999-fine. Each comes in a tamper-evident assay card stamped with a unique serial number, which guarantees its authenticity. Pamp Suisse bars are well-known, making them easy to sell if you need to liquidate assets. The bars depict Fortuna, the goddess of fortune and luck — widely considered the most beautiful Gold bar design. Order your Pamp Suisse Gold bars today, for as low as $39.99 per bar over spot.

Order Precious Metals today at!

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Video Commentary: The Potential Impact of the European Crisis on Investments

Is your portfolio ready?

With the European debt crisis continuing to escalate, now could be a critical time to review your asset allocation strategy, particularly as you consider the global economic outlook for the next 3 to 5 years. Having a well balanced portfolio – one that is properly diversified across all asset classes including stocks, bonds, cash and Gold – has perhaps never been more important.

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European Debt Crisis: Alternative Outcomes from History

No one can predict the outcome of the European Union (EU) debt crisis or the impact on the global economy. Regardless of the outcome, if you’ve allocated your investments among asset classes that historically do not move in the same direction, you’ve got a degree of protection for your portfolio. Learn more in our video commentary as APMEX Chief Executive Officer, Michael Haynes, reviews recent economic history and discusses three possible outcomes of the EU debt crisis and the potential impact on YOUR investments.

Uncertainty and Your Portfolio

Global uncertainty and the inter-relationships among world markets mean that an asset allocation strategy that includes exposure to non-correlated asset classes is an integral part of a long-term investment plan. Historically, Gold has played a key role in maintaining a well-balanced portfolio. As this chart shows, Gold has held – and even increased – its value over the past decade while the world’s major stock markets have suffered.

Your Asset Allocation Strategy

When determining your asset allocation strategy, you should consider each asset class – cash, bonds, stocks and Gold – and how each class is likely to perform over the next 3 to 5 years, based on your view and personal economic outlook. If you don’t have exposure to Gold, perhaps now is the time to consider how this world-class asset – with its history of offsetting the uncertainty in stocks and bonds – may help you achieve better balance.

Our Most Popular Products

APMEX offers a variety of precious metals investment options with beautiful Silver American Eagles and Gold American Eagles. Considered some of the most beautiful coins ever minted, American Eagles are among the finest bullion coins in the world. New and seasoned investors alike can purchase American Eagle bullion coins to cater to their individual investment needs.

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Why Should You Choose APMEX?

APMEX is one of the nation’s largest and most active precious metal dealers. Our customer service reputation is unmatched by any other dealer. In a recent survey of APMEX customers, we achieved a 98% Customer Satisfaction Rating.

At APMEX, we focus on six key areas to satisfy YOUR needs:

Price – You will consistently find that our prices are among the lowest in the industry. We display both our buying  and selling prices for most products. This transparency is unique within the precious metal field.

Selection – You will find an unmatched assortment of Silver and Gold coins, bars, and rounds. We also offer a wide variety of Platinum and Palladium coins and bars on our website. Our inventory  selection is second to none!

Service – APMEX promises that you will receive prompt, helpful and courteous customer service – every time!

Security APMEX believes that you deserve the highest levels of security when you make your purchase. You can rest assured that your private data is safe and secure. From the moment you place your order to the time your order is delivered to your door, your personal data is safe with APMEX.

Convenience – Our website allows you to make a purchase 24 hours a day, 7 days a week, 365 days a year. If you prefer to call, our APMEX Qualified Representatives are happy to assist you from 7:00 a.m. to 5:00 p.m. (CST), Monday through Friday.

Satisfaction Guarantee – Your satisfaction is of paramount importance to us. We guarantee your satisfaction with a refund, return and/or exchange policy. At APMEX, you can purchase with confidence.

Open Your Free Account With APMEX Today!

Balance your portfolio with the 4th asset class of Gold.

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Click on photo to take Quiz

What is your outlook regarding the future of oil prices, world peace, the U.S. budget deficit, the European debt crisis and unemployment? Your opinions about worldwide political and economic events should help shape your asset allocation strategy — including the percent of your portfolio you dedicate to Gold and other precious metals.

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Take our ”What Type of Investor are You?” quiz to see whether your allocation to precious metals is in proper balance given your outlook about key global issues. The quiz will help you:

  • Pinpoint your views on topics that are likely to affect the financial markets.
  • Learn how precious metals have historically reacted during times of inflation, global political disruption, and weakness in the U.S. dollar.
  • Determine whether you might make adjustments in your asset allocation into precious metals.

Whatever the future holds, a well-balanced portfolio with asset allocation that includes exposure to Gold and other precious metals can help protect your wealth. You might have questions and we would like to help. Call our non-commissioned Account Managers toll-free at 888.518.7464 Monday through Friday from 8 a.m. to 5 p.m. Central time.

Balance your portfolio with the 4th asset class of Gold today.

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 APMEX Commentary via RSS feed and the  APMEX Blog via RSS feed.


Investors Worldwide Choose Gold as 4th Asset Class; Gold Hits $1800 per oz. on Wednesday

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In Wednesday’s video message, Michael Haynes, CEO at APMEX, discussed why foreign investors buy Gold in greater quantities than the U.S. investors and how the worldwide acceptance of Gold as the 4th asset class has established Gold as a global asset. Gold Prices reached record highs over the past few weeks as investors worldwide flock to Gold as a safe haven.

Historically, investors buy Gold and Silver to balance and diversify their portfolios during high inflation periods. With the value of the dollar continuing to spiral downward, many investors have chosen to invest in precious metals.

Michael R. Haynes is a 30-year veteran of the precious metal and rare coin markets. He has served as a board member, president, COO or CFO of nine different public and private companies engaged in the specialty retail, distribution, e-commerce and manufacturing businesses.

Balance your portfolio with the 4th asset class of Gold today.

Keep up with APMEX news throughout the week with subscriptions to the

 APMEX Commentary via RSS feed and the  APMEX Blog via RSS feed.



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Gold has moved opposite of the S&P 500 since February. The chart above gives a graphic example of the negative correlation between Gold and one of the other asset classes, stocks. Since February, economic stress in Europe and the U.S. has pulled the S&P 500 down while Gold moved higher.

After the Democrats and the Republicans came to an agreement and prevented a default on our nation’s debt, conventional wisdom says the market would boost as business and investor confidence increased. However, today’s reality is that the stocks ended low in the face of uncertainty over the debt deal. The terms include a $400 billion increase in the debt limit immediately, a $500 billion increase this fall, immediate spending cuts of $900 billion, and the creation of a Congressional commission to identify another $1.2 trillion in spending cuts.  Former Under Secretary of Commerce Robert Shapiro described these terms as “a mindless way to run a government.” J.J. Kinahan, managing director with TD Ameritrade, was quoted as saying, “Debt deal or no debt deal, we have some fundamental problems in the economy that we’re not dealing with.”

Monday’s extremely disappointing manufacturing report and last week’s revision of first-quarter growth estimates caused this change in focus. More bad news for the economy was released Tuesday; even though incomes rose in June, consumer spending fell (along with consumer prices). With most economists’ expectations of a credit rating downgrade from the top-notch AAA rating, stock futures were down and investors flocked to safe havens including Gold, which hit new record highs this week before falling victim to the massive selloff affecting all markets.

The stock markets are viewing a recession as likely as prices have continued to decline; stock prices hit their lowest points in almost two years. The concern has driven a number of investors to Treasuries, which is causing inflation concerns with the Swiss Franc and Japanese Yen. Mike Ryan, Chief Investment Strategist at UBS Wealth Management Americas, said Thursday, “The mood right now is gloomy…The burden of proof is for better data that show the economy is not falling into recession. Tomorrow’s payroll report is crucial. If we see another disappointment, the stock market will have significant downside from here.”

The highly anticipated payrolls report was released this morning; it indicated an increase of 117,000 jobs in July. The unemployment rate fell .1% down to 9.1%. These numbers were better than expected which finally brought some relief to Wall Street after two days of tension. Gold gave up early gains amid the news but one analyst says that South Korea’s recent purchase of Gold signals that it’s still not too late to buy Gold. An executive of one company stated that South Korea’s purchase is “significant, as it represents the first purchase of Gold by the East Asian country in over a decade. It would seem South Korea has joined the ranks of those countries that have lost faith in the U.S. dollar … it is no coincidence that many of these central banks are from emerging-market economies. Many of these countries have experienced the grim reality of enduring a currency crisis first-hand.”


Spot Gold prices opened this week at $1,628.00. The high was on Thursday, Aug. 4th at $1,684.90, while the low for the week occurred on Monday, Aug. 1st at $1,608.20. Gold ended the week up $22.30 at $1,650.30. This week, the most popular Gold bullion products were 2011 Gold American Eagles, 1 oz. Pamp Suisse Gold Bars, and 2011 1 oz. Gold Maple Leafs.

Spot Silver prices opened this week at $39.95. Silver reached a high of $42.30 on Thursday, Aug. 4th, while this week’s low for Silver occurred on Friday, Aug. 5th at $37.56. Silver ended the week down $1.93 at $38.02. The most popular Silver products on this week were 2011 Silver American Eagles, 2011 Silver Maple Leafs, 1 oz. Silver Buffalo Rounds and 10 oz. APMEX Silver Bars.

Spot Platinum prices opened this week at $1,781.90 and ended the week down $66.90 at $1,715.00. Popular Platinum products this week included, 1 oz. Platinum Bars, 1/10 oz. Platinum American Eagles, and 1 oz. Platinum American Eagles.

Spot Palladium prices opened this week at $832.30 and ended the week down $90.30 at $742.00. Palladium investors preferred 1 oz. Pamp Suisse Palladium Bars and Palladium Canadian Maple Leafs this week.


Platinum American Eagle Coins

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Released in 1997, the Platinum American Eagle coin is the only investment-grade platinum coin from the U.S. Mint. Since its introduction, the Platinum Eagle has become one of the world’s most widely-traded platinum bullion coins because of the patriotic design and platinum value. The obverse design celebrates freedom and opportunity with a portrait of the Statue of Liberty.  The reverse design is unique in that it changes each year; strength and security are portrayed in the theme of the American eagle. 
APMEX features the Platinum American Eagle coins in 1 oz., 1/2 oz., 1/4 oz., and 1/10 oz. denominations as well as uncirculated, certified, and proof conditions. Offering a wide selection of platinum products, APMEX can help you establish a platinum portfolio. Eligible for placement in precious metals IRAs, Platinum American Eagles can act as building blocks for investment portfolios. Start building your Platinum investment today!

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