by Brooke Hayles

This is the time! The day you have been longing for, but perhaps
not so sure about. The desk may be cleared and everyone is
admiring the presentation gold watch in its smart box. You may
even have your retirement lump sum-could be the largest sum of
money you have seen in your life. It is a good feeling but can
also be an intimidating one. Now more than any time you need
good investment advice. Even in being careful, you face
financial risks at retirement time. The Main Risks Are *
Longevity: the risk of outliving your assets is very real. *
Inflation: the inexorable price-rise in goods and services will
eat away at the purchasing power of your hard-earned savings. *
Asset allocation: if you haven’t chosen the right mix of
investments, your portfolio could fail to grow. * Health care
expense: you need a reliable source of income to cover rising
health-care costs. * Withdrawal rate: if you withdraw too much
too soon, you are in trouble.

To be Secure In Your Retirement Investing:

* Diversify * Safety First * Build Continued Growth.

With this in mind have you considered gold investing?

1) DIVERSIFICATION Whether your investment approach is
conservative or aggressive, gold investing can play a vital role
in the diversification of your portfolio. Most experts recommend
a gold holding of 5%-10%.

2) SAFETY As we painfully learned from the NASDAQ bust, any
stock, no matter how seductive it may seem, always has the
potential to plunge to zero. This will never happen with gold.
Life is full of unpredictables-hurricanes, tornadoes, terrorist
attacks. Gold investing is the perfect way to protect the
foundations of your portfolio from an unpredictable future.

3) GROWTH Recently, a long-term subscriber to an investment
newsletter wrote: “I have been following your gold suggestions
since December of 2001 and have made a barrel of money. The ten
gold stocks you recommend now, if held since then, are up about
500% on average. Not too shabby while gold bullion is up about
70%, a 7-1 ratio.”

Currently, world gold demand exceeds global gold supply by
60%-100% annually; as the mines cannot extract gold fast enough
to meet this demand. A shortage leads to higher prices. Nobody
can guarantee that anything will last forever, but in the short
term the gold price will rise.

So what shape could your gold investments be in?

Just as you can diversify your overall portfolio, you can also
diversify the gold part of it. Gold investing takes three main
forms:

1. Owning physical gold-the safest, “insurance” part of it. And
the most exciting part? When you hold gold in your hands for the
first time, you understand why it has generated such a passion
through time!

2. Gold stock-investment in quality gold mines. This is for the
“growth” part of your portfolio.

3. Gold derivatives-only for those who are not averse to risks!

Some people may give you a strange look if you are talking of
gold investing! There are great ideas floating around:

* Gold provides no return. But it doesn’t need to-it keeps going
up in value!

* Central banks will sell their gold. They have in the past and
have recently realized it is not a wise policy.

* The government could confiscate gold. It is true that this
happened in 1933. But things have changed so much since that
time; the chances of this now are virtually nil.

If others are uneasy about gold investing, all the more reason
for you to do it and do it well! So that you can enjoy your
golden years!

Summary:

The main factors of gold investment are… To be mindful of your
retirement with diversification, safety and growth. With these
in mind, you will do wonderfully well to consider gold.

About the author:
Author: Brooke Hayles
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