Investment houses recommend what they have available to sell. I wanted to diversify into some precious metals and was told that was "not appropriate." After retirement, I gained control of my IRA account and moved to another investment house that was not stuck on "the right mix" of hyperinflated stocks and negative real interest-yielding bonds. Before retirement, I paid extra taxes to move some of the IRA into physical precious metals wrapped in a Roth IRA. Inflation can run wild, but I have protected at least some of my wealth.
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