6 Crucial Reasons To Secure Your IRA With Physical Gold and Silver.

Nov 4, 2021

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6 Crucial Reasons To Protect Your IRA With Physical Gold and Silver.

Written by Luji Shofu,


401(k) Gold Group, Inc.

November 4, 2021

IRAs are a source of saving for retirement with the hopes that the monies be there when Americans need them in their old age.

Table of contents:

What is an IRA?

What are the funds invested in?

Why is my IRA always losing money?

How can I stop the bleeding and protect my funds?

Benefits of a gold/silver-backed IRA

Performance of Gold in an IRA – 65% growth in 4 years

Performance of Silver in an IRA – 70% growth in 4 years

Is an IRA good for retirement savings?


What is an IRA?   

An IRA is a retirement account held at a financial institution that allows individuals to build-up tax-deferred savings. The IRA plan became very popular in 1981 with the Economic Recovery Tax Act which encouraged employees to contribute more to their IRA funds. There are 3 main types of IRAs with their own unique advantages.

An IRA is a retirement account held at a financial institution that allows individuals to build-up tax-deferred savings. There are 3 main types of IRAs with their own unique advantages:

Traditional IRA – An individual is allowed to make contributions with money that may grow tax-deferred until time for withdrawal.

Roth IRA - Contributions are made to a fund with after-tax money that will grow tax-free, with zero fee withdrawals in retirement, as long as certain conditions are met.

IRA Rollover – Contributions can be rolled over from qualified retirement plans into a traditional IRA. Funds from an employer-sponsored plan, such as a 401(k) or 403(b) or 457 may be rolled over into an IRA.

What are the funds invested in?

According to data collected by the Investment Company Institute, IRAs held roughly $12.6 trillion in assets at the end of the first quarter of 2021. 45% of IRA assets or $5.6 trillion are in mutual funds, $3.2 trillion are invested in equity funds and $1.1 trillion in miscellaneous funds. The rest is not specified.

Why is my IRA always losing money?

The problem is IRA holders and investors have no way to protect their retirement funds. Since most of the funds are invested in vanishing mutual funds, volatile stocks, and stagnant bonds, the frequent loss of equity in the open Stock Market exposes the funds to catastrophic losses.

Fact #1:

The COVID 19 Effect

With about 60 million participants, 401(k) plans hold an estimated $6.9 trillion in assets. From December 2020 through the end of March 2020, the collective fund suffered a catastrophic loss. Here are the numbers: Total drop was $790 billion in 3 months. The breakdown is as follows; Mutual funds dropped from $4.09 trillion to $3.289 trillion representing a $720 billion loss. Other mixed and miscellaneous investments went from $2.141 trillion down to $2.071 trillion depicting a $70 billion fall in value. The same fairs for IRA plans because they are invested in the same family of assets. When the market dips or crashes, mutual funds and equities are the first to vanish.

Unfortunately, the way hedge fund managers address this intrinsic problem is to spread the funds across multiple investment vehicles to cushion the loss. Since assets can only be invested in traditional forms of investments like stocks, bonds, and mutual funds, they remain in the same markets where trillions of dollars evaporated 12 years ago.

Fact #2:

The Federal Reserve, under the Presidency of Joe Biden, has printed more money in 6 months than in the first 245 years since the founding of the United States of America. Let me say that differently. In June 2021, the US budget deficit was $864 billion. This figure dwarfs the total debt incurred by the United States from 1776 to 1979!!! Thus far, $10.7 trillion has been approved into being from thin air. “. . . $1.2 trillion infrastructure package and $3.5 trillion in social spending, . . ., $2 trillion COVID relief package followed $4 trillion in COVID spending last year” – New York Post.

6 Reasons Your IRA Will Not Survive The Next Market Crash 

Let’s examine the immediate problems facing IRA accounts.

1. There is an impending market crash à la 2008.

2. We are in the middle of a pandemic.

3. There are an unreported 50 million unemployed.

4. We have recorded the highest inflationary numbers since 1929.

5. Trillions of dollars will be printed like confetti to combat our economic woes.

6. Currency debasement continues to diminish the value of assets in 401(k) retirement accounts, intensifying the pain.

It is estimated that 8 out of 10 Americans with a retirement account now believe their retirement accounts might not be worth much by the time they retire. They also suggest that they might never be able to retire. Now, the threat of another systemic crash looms on the horizon and could happen at any time.

Currently, corporations and their employees will lose hard-earned life savings. This is because they are not allowed to move any part of their retirement assets into a financial haven such as physical gold. 

How can I stop the bleeding and protect my funds?

Our value proposition solution:

401(k) Gold Group, Inc., a precious metals company that specializes in physical gold-backed IRAs and 401(k) administrative plans. The plans include gold-backed 401(k)s, Solo 401(k)s, 403(b)s, 457s, and Pension Plans.

For the first time, individuals and employers can protect IRAs and 401(k) plans with physical gold without changing the plan.

By making physical gold a standardized foundational asset, IRAs and 401(k) plans can grow exponentially and protect the most valuable assets of all – employees and their families.

Benefits of a gold/silver-backed IRA

1. Stability

2. Lower fees

3. Insurance against loss

4. Safe haven

5. Risk diversification

6. A currency hedge

7. Increased profitability

Performance of Gold in an IRA– 65% growth in 4 years

GOLD VALUE - JANUARY, 2016 - $1,060

GOLD VALUE - AUGUST, 2021 - $1,775

Performance of Silver in an IRA – 70% growth in 4 years

SILVER VALUE - JANUARY, 2016 - $13.87

SILVER VALUE - AUGUST, 2021 - $23.64

Is an IRA a good plan for retirement savings?

I am of the neutral opinion that the IRA savings plan is a cornucopia of good things. The problem is not the fund. The complication is how the controllers of the fund have turned it into a cash cow for themselves.

The rules are from 40 years ago and have been modified over time to not benefit participants but to take advantage of them. We think there are too many restrictions, zero transparency, exploitative fees, and 100% exposure to the stock market. Tangible assets are not allowed to protect investors from the same people that short the market for personal monetary gain.

When millions of Americans lose money in their retirement accounts, where does the money go? One thing is certain: money does not vanish on Wall Street. It simply transforms into a different medium and goes into someone else’s coffers. You cry while they laugh all the way to the bank.

In conclusion, the IRA tax-deferred retirement savings plan (or post-taxed in the case of a Roth IRA) is a phenomenal way to save for retirement. In better times, percentage growth was high and steady in a prosperous economy and a stable fiat currency backing. The last 20 years have painted a bleak picture of a less illuminating future.

IRA participants and investors seeking wealth preservation will not find it in a traditional IRA due to their susceptibility to endemic market dips and systemic market failures. It’s a harsh reality where participants continue to pay high fees on a diluted asset that keeps losing money.

Hence, it is our recommendation for individuals to add physical gold to their IRAs.

A Precious Metals IRA is a Self-Directed Individual Retirement Account in which the Federal Government allows you to own physical precious metals such as gold and silver. The benefit to you is that you are now free to diversify your assets into physical gold and silver away from the traditional forms of investments like risky and unstable stocks, stagnant bonds, and mutual funds.

Gold acts as a risk diversifier to help mitigate losses in times of market stress. It is also considered as insurance against equity loss and secures IRAs during uncontrollable pandemic instability. 

Take this any way you will. Without the right tangle assets to mitigate devastating losses in IRAs, families across the United States will keep paying dearly for the greed of others.

Written by Luji Shofu,


401(k) Gold Group, Inc.

Source #1:

Sources: Investment Company Institute, Federal Reserve Board, American Council of Life Insurers, and Internal Revenue Service Statistics of Income Division

Source #2:


401(k) Gold Group is a leader in the precious metals industry.

To find out more, visit 401kgoldgroup.com/gold-silver-iras/

For further information about 401(k) Gold Group, Inc.


401(k) Gold Group, Inc.


[email protected]

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