Few investments have returned a higher value over the past several decades than gold, and gold IRA investments may be the best choice you can make in money management. Whether you love the luster of pure bullion, are fascinated by valuable coins, or just want an investment that is capable of providing for your future. Financial advisers recommend gold IRAs because gold has much better value over time than any stock or bond, making it a very valuable addition to any person’s portfolio. Though it should not take the place of stocks or annuities or real estate holdings, gold IRA investing can be an excellent complement to your holdings.

Why Go Gold

The reason that gold retains its value over time in comparison to other assets like oil is simple. Gold as a metal has no reliance on any other institution or organization to generate value. As such, gold’s value is not restrained by the performance of other assets and will increase regardless of inflation to currency or economic performance. Since gold is constantly in high demand, furthermore, as a substitute for currency across the entire globe, there is no reason that its value will decrease over time. Many other commodities, most notably silver bullion, are tied to the value of gold, meaning that when your holdings in a gold increase in value, much of your portfolio may also grow stronger.

Why Use An IRA

If you are a veteran of the investment scene, there are probably many unpleasant aspects of money management you are familiar with. If you are unfamiliar with the aspects of an IRA (gold or otherwise), here are some of the advantages that you will have in comparison to traditional investments.

-Lower tax rates. You can determine when you want to pay taxes on investments.
-Withdrawal time. Some 401(k) investments do not allow you to take money out. You can set the withdrawal date in an IRA.
-Pay upfront. Imagine earning money for as long as you live without paying taxes — if you put up the money at first, it is a reality.

The bottom line of a gold IRA investment is that you are capable of leapfrogging the necessity of paying out taxes by either putting up the money at the initial investment or delaying it until you take the money out.

The Scenario

Imagine that you choose gold IRA investing and put in five thousand dollars per year. You earn seven percent of that figure, while the taxation rate of one quarter for standard investments is waived. After thirty years, you will have over half a million dollars saved up and will earn about forty thousand dollars a year. You can choose to pay the taxes whenever you want — at first or when you take the money out, or not at all if you only live off of the earnings. This flexibility is a great way to ensure that you pay the least amount of money and save tens or even hundreds of thousands of dollars throughout your career.

How To Set Up Gold IRAs

One of the advantages of gold IRAs is that your money is invested in physical gold — bullion or coin, however, you prefer — but you do not need to worry about that gold being stolen or lost. This is because the gold IRA investment setup places control of the gold in a third party of the IRA itself. You will need to get a partner willing to hold the metal (banks often do so in security vaults) and then let you take out money or earnings as necessary. You still can make decisions about the funds that you put in and the funds that you take out, but you need not worry about how your gold IRA investing is making money or how it may be at risk.

Home Storage Gold IRA is a new program introduced by Augusta Precious Metals. Many people are concerned about the future of their long-term investments in light of the recent economic crises, some of which have hurt rich people as well as middle-class and working-class individuals. Traditional investment portfolios are going to be hugely vulnerable to shifts in the economy, which is one of many reasons why people are literally and figuratively looking for something that is somewhat more solid. A self-storage IRA can serve as a viable alternative to traditional investing for a lot of people.

Some of the frequently asked questions about Home Storage Gold IRA:

• How do I sell small amounts if needed or how do I sell it all?
• Can I take my IRA and with no penalty buy gold with it?
• Am I responsible for figuring out all taxes associated with the sale of my gold?
• What amount do I need to go on the Home Storage Gold IRA program?
• How do you handle shipping, also how safe and discreet is delivery door-to-door?
• How does it remain classified as an IRA if it is not monitored or controlled by an approved holder?
• Can you have a silver IRA instead?

Some individuals are concerned about the future of their retirement funds for multiple reasons. For one thing, many politicians have talked about dipping into the social security fund in order to address problems with the national debt in the United States. If any of this legislation ever goes through, countless older people are going to lose their retirement money as a result, and the economic gains involved with improvements in the national debt crisis will probably not help them to any significant degree.

In fact, national debt actually doesn’t affect the economy to the extent that many politicians say it does. Private debt has a much more severe effect on the economy, and a home storage IRA can protect many individuals who have had to cope with private debt over the years. These days, many people do not even fully alleviate their private levels of debt until they are middle-aged or even older. Many people never retire today specifically because their levels of private debt are so high and have been so high throughout their entire working lives that they simply don’t have the savings to retire.

We have all heard the news (unless you live under a very big rock) that we are not saving enough, not saving for retirement, not saving for emergencies, and that generally, America and Americans are teetering on the verge of bankruptcy. I’m here to tell you that the evidence for this just doesn’t add up. Americans are saving at record rates, have tremendous assets put away for a rainy day and most are far from bankruptcy. Sorry to disappoint all you fearmongers and nay-sayers out there but the numbers you’ve been fed (and fed to us) have been rigged. How could this be you ask? Well, the way the government measures savings is directly at fault.

The government’s numbers are calculated like this:

“Personal savings rate is calculated by subtracting the amount of spending from the amount of after-tax income. A negative savings rate means that consumers are spending more money than they have. The personal savings rate does not account for any money gained through investments or assets.” (nuwireinvestor, ’08)

There is a large pool of U.S. savings that does not show up in the statistics. The smarter and more knowledgeable our average citizens have become, and the more sophisticated they get, the more choices they have and the more they continue to save. And the less their ‘real’ savings show up in statistics. Here are some of the ways that everyday people across America are quietly saving a fortune:

1) According to some economists Americans may have as much as 100 Billion dollars in currency quietly tucked away. This is the currency that has been printed but no longer shows up in currency circulation metrics…this makes up approximately 20% of the currency available, where has it gone? It has gone into savings. This method of savings, many people keeping their cash in envelopes stuffed in a drawer for a rainy day used to be a common way to save, some people just don’t trust banks (and with the recent events in the first half of 2008…can you blame them?)

2) Almost 60% of Americans own their own home, and while the value of their equity may rise and fall, the value of their home equity is not measured in the aggregate savings statistics.

3) According to sales data kept by large commercial coin trading companies Americans own more gold, silver, and precious metal coins than any other nation (with the possible exceptions of Germany and Switzerland). Naturally, these assets aren’t recognized as savings either.

4) Social Security isn’t counted. 15% of an individual’s wages (or a half-and-half match for those of us employed by large companies) go into Social Security payments all of which are (hopefully) set aside for retirement. It takes 40 quarters of credit to qualify for Social Security at retirement age, among other things. With the average US wage hovering around $36,000 a year, this averages out to $5400 per working year times the number of years a person works, usually about 40, which is $216,000 in contributions per worker before any gains are added on by investment.

5) Isn’t that 15% mandatory deduction another source of savings? Why isn’t it counted in the savings rate?

6) Stock investment. By conservative estimates, 50% of Americans are currently invested in the stock market. But the aggregate of their investment is not included in the government’s measure of savings. Neither are tax-deferred retirement plans like Roth and Traditional IRAs, pension plans, profit-sharing plans, 401Ks, medical savings accounts, 403 b7s, and a plethora of other retirement account types that would look like savings to any rational individual. $5.8 trillion in retirement assets are in the hands of American workers, retirees, and their families and are held in benefit plans. These are huge amounts of invested money and are also excluded from the government savings statistics.

7) Money Market Funds: By most estimates aggregate total cash parked in Taxable MMFs is between 3 and 3.5 trillion dollars…and guess what, nope these aren’t counted either. They are considered investing along with retirement plans. So just what is being counted in the statistics? I know that the Money Market Fund I am invested in has hundreds of billions of dollars in it…that money is what I call my savings and represents about 3 months’ living expenses or over 10% of my gross income. I put money in there most months, I consider it savings, my ’emergency’ savings…why isn’t it being counted?

In times like these, you should turn to a Gold Roth IRA to preserve your wealth and make a satisfying retirement possible. While others flock to the typical, tax-free contributions used by a variety of retirement investments, you can pay your taxes now and open up a future of possibilities. When you use gold as the basic investment in your IRA, the foundations of your retirement future become even firmer.

How Does a Roth IRA Work?

In case you do not remember, a Roth IRA differs from other IRAs significantly because contributors opt out of the chance to avoid taxation on their contributions. Other retirement investments allow depositors to sock away tons of cash without paying any taxes upfront. However, these retirees will also spend the rest of their lives paying taxes as they withdraw funds from their accounts.

A Roth IRA depositor pays all of his or her taxes on every contribution. When the time comes to retire, he or she can remove funds at will without paying taxes. There is no need to worry about future tax rates.

How Is a Roth IRA Different from Just Investing My Money?

Some people think that this is no different from investing your money and enjoying the fruits of your portfolio later. A Roth IRA, though, is much more than a retirement plan. Since you have already paid Uncle Sam his portion, there are a few restrictions on this IRA. You can make penalty-free withdrawals whenever you like. Furthermore, there are no penalties involved regarding required distributions based on age. You can retire whenever you want or never. You can even pass it on to a beneficiary. When you put gold in this IRA, the advantages increase significantly.

Why Put Gold in My Roth IRA?

A gold Roth IRA is the pinnacle of retirement investments. Not only do you get the advantages of a Roth IRA, but you also get the certainty of gold along with it. As advantageous as this IRA is, you will only profit from wise investment decisions. This precious metal is the wisest focus for your retirement deposits.

Gold is famous as a hedge against inflation. The wisdom of protecting yourself against inflation in the long term should be obvious. Government money-printing is up and there is no question that the American dollar is losing its value. This is obvious in the prices of food and fuel. The number crunchers that analyze inflation feel free to ignore those numbers as too volatile but you cannot afford to ignore food and fuel prices when you consider retirement.

A gold Roth IRA prepares you for every eventuality. You are buying up a precious metal, which you can enjoy in retirement or pass on to your heirs, and the government will never be able to touch it. You have already paid the taxes on the money that you used to buy it. Inflation and administrations can come and go but the gold in this IRA will be yours to do with as you, please. Investing in this opportunity is the best way to escape the tax man and avoid the meddling hands of the government for decades to come.

What Kind of Gold Can I Put in an IRA?

You can put all kinds of gold in an IRA today. Physical gold is always an option but you can also invest in gold stocks or ETFs with your retirement funds. Given the right custodian, you do not even have to restrict your investments to US gold coins and companies.

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