What is the present risk for investors nearing retirement age who are heavily dependent on their pension funds or 401Ks?

Bob Wiedemer: There's a lot of people concerned about pension funds, public pension funds, other pension funds. I certainly agree, because I don't think they're going to make the kind of returns that they need to payout the pensions they promised. We've already seen problems in that area, but often overlooked in this focus on pension funds, is that 401Ks, people's own retirement funds are often underfunded and often very, very heavily invested in things like, well, stocks or bonds.

This is going to lead to problems down the road. So, it's not just public pension people that have problems, it's also people with their own retirement, 401Ks, that are either underfunded or too correlated to the stock market. If that's the case, you've got an issue in retirement. That's where something like precious metals in a 401K makes a lot of sense. It's a way of getting a non-correlated asset in to try to offset some of the uncertainty that we're pretty certain is going to be true for the next few years, if not quite a bit more.