Gold’s powerful rally in recent years has driven the metal past key milestones — first $2,000 an ounce, then $3,000 and most recently, $4,000. And O’Leary isn’t the only heavyweight investor singing its praises.“It’s hit all-time highs and I’m still buying, but why? Because if I had stopped buying in 2023, at its all-time high of $2,078, I would have missed out on a [around] 82.7% return in just 2 years,” he said. “Lucky for me, I’ve been buying gold for decades, even at all-time highs.”O’Leary says stickin ...

Core Viewpoint - Investors are increasingly turning to gold as a hedge against inflation, which has significantly eroded purchasing power over the decades, with $100 in 2025 equating to just $12.05 in 1970 [1][3]. Group 1: Economic Context - Economic uncertainty, persistent inflation, high equity valuations, and geopolitical tensions are driving investors towards traditional safe havens like gold [2][6]. - Gold prices have surged over 50% in the past year, recently exceeding $4,200 per ounce, with potential for further increases to $5,000 or even $10,000 [2][3]. Group 2: Investment Perspectives - Jamie Dimon, CEO of JPMorgan, acknowledges the high asset prices and suggests that it is rational to include gold in investment portfolios during such times [2][4]. - Gold is viewed as a natural hedge due to its scarcity and independence from central bank policies, making it appealing during financial volatility [5][6]. Group 3: Portfolio Allocation - Prominent investors like Ray Dalio and Jeffrey Gundlach advocate for a significant allocation to gold in investment portfolios, suggesting that 25% is not excessive [7]. - Gold is considered an effective diversifier and an insurance policy against economic downturns and dollar weakness [7]. Group 4: Alternative Investment Options - Gold IRAs offer a way to invest in physical gold or gold-related assets within a retirement account, combining tax advantages with the protective benefits of gold [9]. - Real estate is also highlighted as a powerful hedge against inflation, with property values and rental income typically rising during inflationary periods [11][12]. Group 5: Art as an Investment - Art investments are gaining traction as a way to diversify and preserve wealth, with platforms like Masterworks making high-end art investments accessible to a broader audience [20][22]. - The sale of a collection owned by Paul Allen for $1.5 billion underscores the potential value appreciation in art during inflationary times [21].

Core Insights - The U.S. home equity market, valued at $36 trillion, is now accessible to accredited investors through platforms like Homeshares, which were previously dominated by institutional investors [1] - New investment platforms are simplifying entry into the real estate market, allowing individuals to invest without the burdens of property ownership [2][8] Investment Opportunities - Investors can participate in real estate with minimal amounts, such as $100 through crowdfunding platforms like Arrived, which offers shares in rental and vacation properties [8][9] - For accredited investors, options like the U.S. Home Equity Fund require a minimum investment of $25,000, providing exposure to owner-occupied homes with risk-adjusted returns between 12% and 18% [7][9] Jeff Bezos and Amazon - Jeff Bezos' family members made significant early investments in Amazon, with his brother Mark reportedly earning over $600 million from their initial stake [4][6] - Bezos has transitioned from being Amazon's CEO to investing in other ventures, including his space exploration startup, Blue Origin, after selling a substantial portion of his Amazon shares [17][18] Market Trends - The real estate market is viewed as an inflation-resistant investment, with various avenues available for both accredited and non-accredited investors to grow their wealth [2][14] - Platforms like Moby and Public provide tools for stock market investing, with Moby's stock picks outperforming the S&P 500 by an average of 11.95% over the past four years [20][21][22]

Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Thor Metals .There are lots of gold assets to choose from, including gold bars, ...

Core Insights - Gold continues to reach new record highs as investors increasingly turn to the precious metal for investment and retirement savings [1] Group 1: Gold IRA Overview - Opening a gold IRA is more complex than a traditional IRA, requiring specialty providers as major brokers do not offer them [1] - Gold and other metals must meet specific purity standards, come from approved refiners, and be stored in IRS-approved facilities [2] Group 2: Costs and Fees - Gold IRAs typically incur higher costs than traditional IRAs, including setup, storage, maintenance fees, insurance, and shipping costs [2] Group 3: Tax Implications - Physical gold does not generate interest or dividends, meaning no income is earned while holding it [3] - The IRS treats gold as a collectible, leading to long-term capital gains taxes of up to 28%, which is higher than the 0 to 20% range for stocks [3][4] Group 4: Alternatives to Gold IRAs - Gold IRAs allow funding with pre-tax money, and Roth IRAs permit after-tax contributions, but both require minimum distributions starting at age 73 [4] - For those seeking gold exposure without the complexities of storage, physically backed gold ETFs are a simpler option, incurring only a small fund fee without storage or insurance costs [4][5]

Shortly before former President Joe Biden left office, he signed the Social Security Fairness Act into law. The act unlocked benefits for a number of public workers. Critics of the bipartisan legislation argued the expanded benefits would hasten the depletion of the Social Security trust funds.Read more: Warren Buffett says you can’t buy time — but landlords are finding a way. Here’s how savvy real estate investors are avoiding 12 hours a month in tedious admin (for free)Approximately 70 million beneficiari ...

Core Insights - The article emphasizes the importance of diversifying investments beyond the stock market to hedge against inflation, highlighting Charlie Munger's investment philosophy [1][5]. Investment Platforms and Strategies - Moby's stock picks have outperformed the S&P 500 by an average of 11.95% over the past four years, aiding over 5 million users in identifying promising investments [2]. - Platforms like Moby provide tailored stock research for everyday investors, making stock picking safer by leveraging expert insights [2]. - For retirement savings, financial experts suggest millennials will need between $3 million and $4 million to retire comfortably due to current inflation rates [3]. Asset Classes for Diversification - Fine art is presented as a stable investment option, with platforms like Masterworks allowing investors to buy fractional shares of high-value contemporary art [7][8]. - Real estate is highlighted as another effective diversification tool, with new platforms simplifying access to this market [9]. - Homeshares offers accredited investors access to the $36 trillion U.S. home equity market with a minimum investment of $25,000, providing exposure to owner-occupied homes [10]. - Non-accredited investors can use crowdfunding platforms like Arrived to invest in rental and vacation properties starting from $100 [11][12]. Gold as an Investment - Gold is noted as a long-term inflation hedge, with Gold IRAs providing tax advantages while allowing investment in physical gold [13][14]. - Thor Metals is mentioned as a resource for opening a Gold IRA, combining the benefits of gold investment with retirement account advantages [14]. Investment Philosophy - Charlie Munger's wisdom emphasizes that one only needs to "get rich once," suggesting that effective savings vehicles can help secure retirement funds amidst market uncertainties [15].

Core Insights - Gold is recognized as a long-standing asset for wealth preservation and serves as a natural hedge against inflation, unlike fiat currencies which can be printed at will by central banks [1] - The investment strategy is shifting from traditional 60% stocks and 40% bonds to a new allocation that includes 20% gold, indicating a significant change in investor sentiment towards gold as a preferred asset [2][6] - Inflation is increasingly seen as detrimental to bondholders, as it erodes purchasing power and leads to falling bond prices, making bonds less attractive in the current economic climate [4][5] Investment Trends - Gold prices have surged over 50% in the past year, prompting a notable shift in investment strategies, with significant capital expected to flow from bonds into gold [6] - Major financial institutions like Morgan Stanley and Goldman Sachs are becoming more bullish on gold, with Goldman Sachs raising its gold price target to $4,900 per ounce by December 2026 [7] - High-quality equities are also being highlighted as effective hedges against inflation, alongside gold, as companies with strong pricing power can pass on costs to consumers [9][10] Alternative Investment Options - Gold IRAs are presented as a viable option for investors looking to combine the benefits of gold investment with tax advantages, requiring a minimum purchase of $10,000 [8] - Real estate is identified as another powerful asset class for wealth protection against inflation, with property values and rental income typically rising during inflationary periods [14][15] - Crowdfunding platforms like Arrived and Homeshares offer accessible ways for investors to gain exposure to real estate without the burdens of direct property management, with minimum investments starting at $100 and $25,000 respectively [16][19]

Core Insights - A significant concern for Americans is the uncertainty regarding the best methods to take distributions from retirement savings, with 45% unsure of the best approach [1] - Consulting a financial advisor is recommended to help individuals understand how their retirement assets can fund their post-retirement life [2] - Research indicates that individuals with a formal financial plan have two to four times more wealth upon entering retirement compared to those without a plan [4] Retirement Planning - Having a well-defined retirement strategy is crucial for managing income and reducing decision-making stress at retirement age [5] - Nearly 50% of Americans are making a significant mistake regarding Social Security, highlighting the need for better financial education [5] - A lack of planning can lead to overspending in retirement, with 31% of Americans reported to be overspending [4] Financial Products and Services - FinancialAdvisor.net offers a free service to connect individuals with financial advisors to help create a retirement plan [3] - Roth IRAs allow for tax-free withdrawals in retirement, making them a recommended option for retirement savings [6][7] - Gold IRAs provide a way to invest in physical gold or gold-related assets within a retirement account, combining tax advantages with asset protection [8] Insurance Considerations - Long-term care insurance is essential for covering costs related to in-home assistance or nursing facilities, which traditional health insurance does not cover [11] - Term life insurance offers coverage for a specified period and can provide financial security for families in the event of the insured's death [12] - Emergency funds are crucial for both workers and retirees to manage unexpected expenses without incurring debt [9] Investment Strategies - A clear retirement plan helps individuals avoid unnecessary frugality or overspending, ensuring a more enjoyable retirement [15] - Acorns automates saving and investing by rounding up purchases to the nearest dollar, directing the excess into investment portfolios [16][17] - Acorns offers IRA accounts with potential tax benefits and matching contributions, encouraging individuals to save for retirement [18]

Core Insights - Approximately 50% of Social Security recipients currently pay federal taxes on their benefits, with projections indicating this will rise to over 56% by 2050 [1] - The share of Social Security benefits taxed as federal income has increased from 2.2% in 1994 to 6.6% in 2022 [1] Group 1: Taxation of Social Security Benefits - The thresholds for combined income that determine tax liability on Social Security benefits have not been adjusted since 1993, leading to more seniors being taxed as benefits increase with cost-of-living adjustments [2] - Benefits are taxed for individuals whose combined income exceeds $25,000 and for joint filers exceeding $32,000, which are considered low thresholds [4][5] - The taxation of benefits is intended to provide a stronger revenue stream for the Social Security program [6] Group 2: Implications of Eliminating Taxes - Eliminating taxes on Social Security could potentially reduce government revenue by $1.5 trillion over 10 years and deplete Social Security's trust funds by late 2032 [9] - High-income seniors could gain up to $100,000 in lifetime welfare if taxes on benefits are eliminated, while younger workers could lose about $10,000 in lifetime welfare [8] - Current projections suggest a 23% reduction in Social Security benefits once the trust funds are depleted, which could increase to 33% if taxes on benefits are removed [14] Group 3: Legislative Context - The One Big Beautiful Bill Act signed by Trump introduced new tax deductions for seniors but did not eliminate taxes on Social Security benefits [3][15] - Lawmakers may be reluctant to approve tax cuts that would eliminate taxes on benefits due to the existing financial shortfall in the Social Security program [15]