I would like to include a link to what I consider to be a very valuable article. Paul Paulson has written an article about the limitations inherent to popular savings/investment vehicles such as the IRA and 401k. His article, entitled, " 'It Depends' A Problem With An IRA Account", focuses on the limited choice of investment options & strategies available to people investing through these vehicles.
Given the expectation of continuing (and underreported) inflation, Paulson examines the toll of eroding purchasing power on cash held in these "tax-deferred" accounts. Specific attention is focused on the options available to investors looking to draw cash out of their accounts in order to invest in physical precious metals.