Putting money away for retirement using investment retirement accounts can be rather tricky. You have to understand the difference between each avenue of saving money, and how they can each affect your saving success in their own way. The concepts of saving money with stocks, bonds, and mutual funds are similar in some ways and different in others. There are more risky routes to saving money for your retirement and then there are safer ways to put money away. The more risky ways of earning money to put away for retirement are usually also the more beneficial ways to earn money if you know what you are doing and how to handle them. If you know how to manage a riskier venture then you could potentially stand to earn a lot of money over the course of the years that you are saving for your retirement.
One element to saving money for your retirement is that you are flexible enough when you are young to put money in to investments that are high risk, and also high reward. The reasons you should invest this way when you are young is because you have your whole life ahead of you to earn the money back. If you make a bad investment in a risky investment retirement account then you have the time to rebuild that money over the course of your working life. However, if you are engaging in high-risk investment retirement accounts and activities when you are older and closer to your age of retirement then you risk losing a significant amount of money and not being able to earn it back in time before the age that you had wished to retire by. Putting your money for gold investments is also a smart investment strategy.
Each avenue of putting money away in to investment retirement accounts has its own set of advantages and abilities to make you the money that you need in order to successfully save the amount of money that you need to retire and live out the rest of your life in the way that you wish to. You will need to evaluate the way that you wish to save money for your retirement and pick the road that best suits your needs and your financial situation. There is not a one answer fits all solution so maybe you should consider talking to a financial advisor before making a concrete decision.