If you’re within 10 years of retirement, a hit to your savings can feel particularly stressful. That concern is prompting some near-retirees to look beyond the standard mix of stocks and bonds and consider other ways to spread out risk.

One strategy that’s steadily gaining traction is investing in physical gold and silver through a tax-advantaged retirement account, often called a Precious Metals IRA. Companies like Priority Gold help investors move part of an existing IRA or 401(k) into these assets through IRS-approved rollovers, a step more savers are taking amid ongoing market volatility.

Why your portfolio might feel less comfortable as retirement approaches

When you’re in your 30s and 40s, a rough market year usually feels like something you can ride out. But as you get closer to retirement age, there’s less time to recover, and losses can feel a lot more personal.

At that point, many people shift more of their savings into “safer” investments like bonds or conservative funds. The problem is, those assets can leave you heavily exposed to shifts in policy, market fluctuations and other events beyond your control. Even if your balance looks steady, rising inflation can quietly eat away at your purchasing power.

How precious metals can help diversify your savings

People are often drawn to gold and silver because they don’t always react to inflation, currency shifts and global uncertainty the same way stocks and bonds do. That can make them useful as a hedge when traditional markets are under pressure.

Precious metals aren’t a guaranteed win. Their prices fluctuate, and they come with their own risks. But for many people nearing retirement, setting aside a portion of their savings in tangible assets adds a bit of balance to their overall plan.

A Precious Metals IRA is a self-directed retirement account that lets you hold physical gold, silver, platinum and palladium. Here’s how it typically works:

1. Open a self-directed IRA with an approved custodian, or use one you already have.
2. Transfer or “roll over” a portion of an existing IRA or 401(k), following IRS rules to avoid unnecessary taxes and penalties.
3. The account purchases IRS-approved gold or silver coins or bars on your behalf, which are stored in a secure, insured depository.

What Sets Priority Gold Apart for Pre-Retirees

There are plenty of precious metals dealers, but Priority Gold focuses specifically on retirement savers. The company offers a clear, step-by-step process for setting up a Precious Metals IRA and works directly with approved custodians and storage facilities so clients don’t have to manage those details on their own.

For people nearing retirement, Priority Gold’s structured approach and hands-on support can add clarity and confidence to their investing decisions.

THIS IS AN ADVERTISEMENT. Money Group, LLC has a business relationship with Priority Gold, which sponsors this content. All trademarks, brands, logos, and copyrights are the property of their respective owners.

Partner Disclosures:

Priority Gold endeavors to provide the most accurate useful information and helpful advice to the audience at its best. But there is no 100% guarantees of completeness, accuracy, usefulness or timeliness in or about the content. Any advice offered by Priority Gold are just their opinions and not to be relied on by anyone or any purpose. Seek your own legal, financial, tax, investment, and advice before opening an account with Priority Gold. All decisions regarding the purchase or sale of precious metals are solely at your decision only.