It depends upon the age of the individual and the personal income tax situation, but I like the Roth IRA.

If somebody is super-wealthy and wants to be super-safe, owning some gold is fine for them, I personally don’t think they’ll see a significant rate of return on it.

They’re paying bond-like returns, and you’re going to get capital appreciation from these things.

That’s a one-in-the-hand versus two-in-the-bush.