Gold news

 Which is precisely why holding gold and silver for the long term for your retirement savings makes such good sense, especially when you consider how much they have appreciated in value relative to the prices of goods since 1968. as this updated example showing how a Toyota Corolla has declined in price by more than 90% when measured in gold and nearly 70% when measured in silver despite the fact that the sticker price in US dollars has increased by more than 1,200%. Hello everyone, welcome to Bald Guy

Money. And they say there's no sure thing in life except for death taxes and the S&P 500. And anyone who has owned an S&P 500 index fund for long enough will surely tell you how good of a decision that's been. Because if you'd put just $200 a month in the S&P 500 each month since January 2000 today, you'd have $350,000 assuming you reinvested all the dividends, which not adjusted for inflation, of course, is a 459% return on your investment with the market currently at all-time highs. And

this calculation teaches us a valuable lesson because most people don't question this investment strategy. They understand stocks go up and that sometimes they go down. But it's common wisdom that buying the S&P 500 is the best retirement strategy better than saving in cash until of course you look at the numbers and start comparing. And this is for anyone who has just started their journey with gold and silver or maybe questioned whether they're not setting themselves up for another 2011

style disappointment after the latest pullback for metals. Because as you can see here, if you had invested $200 a month equally into silver, gold, and the S&P 500, assuming a 10% premium above spot for the metals and a modest 1.5% fee for buying and holding the stocks, the Metals in both cases have outperformed the S&P 500 with silver up 533% since 2000, gold up 493% over that same period of time in the S&P 500 up 459% since 2000 on that $200 a month plan and that's with dividends

reinvested. Now that may come as a surprise to some of you out there watching this video right now while others may complain about difficulties selling metals during the recent runup. So, in this video, I want to talk about using gold and silver to retire if it's still safe, considering the recent pullback we've seen and the market volatility. Once that's covered, I want to show you all how much gold and silver you need to retire in 2026. And we'll finish this video by talking about how I

am balancing my portfolio to make sure that I'm not only safe, but diversified and generating a little income at the same time. Now, just before we dive in, I want you all to know that this midweek bonus video has been made possible by investing.com and their market analysis platform, Investing Pro, which I use to track my personal mining stock portfolio. And I know it's not available at the previously steep discount right now, and I'll see if I can get that for the community again soon. But if you

want access to this tool right now and don't want to pay full price, you can get 15% off by using my link in the pinned comment. and video description below. And having access to this platform provides you with the desktop tools you see here that allow you to compare stocks you own, in this case Exon Mobile from my energy stock portfolio, with other stocks in the sector to help you identify new and sometimes even better opportunities. And it also gives you access to their mobile app which like the desktop version

includes the Warren AI tool that is totally unique amongst AI tools in that it is built specifically for financial analysis and even supports you with technical analysis as shown in this example for gold where it says gold is entering a price consolidation phase even providing you with price levels to watch and suggested entry points. So, if you want access to all that and more, please use my link in the pinned comment and video description below. It gives you an extra 15% off when you buy, and I

recommend it for anyone with money in the market. So, jumping in, with recent volatility in gold and silver prices, I have had some people asking me if it's still safe to have gold and silver as a key pillar of a retirement plan. And what I say to them is you can't live in just one moment in time and judge everything that has come before and everything that has come since versus that one moment in time. Because although we saw a major move up during the last two weeks of January this year

for both gold and silver, followed by an unprecedented single day pullback in prices on January 30th. It's important to note that even if you had started stacking gold and silver in 2010 leading into the major blowoff top of 2011, you still would have tripled your money in gold today. And with silver, you would have beaten the S&P 500 even when including dividends and even having paid $50 for silver in April 2011. And these are facts that everyone stacking precious metals for long-term savings on

a schedule as insurance need to understand, especially as dividend yields for the S&P 500 fall, meaning dividends are simply going down, making it a less attractive option for retirees looking to compound their growth. and precious metals on the other side of the coin continue to repric themselves as gold slowly replaces the US dollar as the preferred reserve asset for central banks and silver supply simply can't keep up with demand both on the industrial and investment sides of the equation and this is why I say despite

recent volatility for gold and silver that having them as a core part of your retirement plan is a must-have not just a nice to have. Because if you're playing the long game to build wealth over time, which is what preparing for retirement is, then you need to remember that statistically speaking, it's a lot easier to be right about one or two simple things over a long period of time than it is to be right about 100 complicated things over multiple short periods of time, which is a trap people

trying to get rich usually fall into as they fall into the what I like to call the day trade. ing trap. Now, since the fundamental reasons to own gold and silver have not changed, and I say they're still safe to have as a core element of your retirement plan, the question is, how much gold and silver do you need to retire in 2026? And as a reminder to everyone watching, and I've said this a few times in the past, there is a myth that many people believe, and I'm sure to see it in the comments

section of this video, and that is you need $2 million to retire. That said, according to the American Senior Citizens League, about 56% of seniors retiring in the USA retire with less than $50,000 in savings and rely almost entirely on social security to cover their expenses. That's the truth. So for people retiring at 67 and planning on living to 82, which may vary, and I wish you all a very long life, that means based on average monthly expenses for a retiree in five different countries, you

need anywhere from about $100,000 in Germany to supplement a basic retirement up to about $250,000 in the United States and Canada, factoring in average monthly social security payments. a range that rises to between $400 and $500,000 if you want to have a more comfortable retirement that includes travel and other simple luxuries. Meaning depending on what percentage of a basic retirement you choose to fund with gold and silver and here I show a range from a 10% coverage of your retirement all the way

up to 100% coverage of that amount you need for a basic retirement at an 80% allocation to gold and 20% allocation to silver. And I'll come back to why I use that allocation in a moment. You may need as little as a few ounces of gold and 50 ounces of silver up to as much as 40 ounces of gold and 600 ounces of silver just to meet your basic retirement needs. And I encourage you all to screenshot this data for future reference. Now, moving on to the amounts needed for a comfortable retirement. I

want to start by saying that I think the 10% and 25% retirement plans from this scenario are ones that people should build their first level retirement targets around and if possible of course build up from there. And you don't need to brag about how much gold and silver you have in the comments if you have more than that. This is information for people who are just getting started or may be on a budget and concerned about what retirement is going to look like. And I think if you can hit these goals,

you'll be way ahead of most people. Meaning, you should be aiming to get about 10 ounces of gold and 250 ounces of silver, assuming you have other sources of retirement income up to about 25 ounces of gold and 600 ounces of silver. again as a starting goal in a retirement stacking plan that should start today as that amount covers the 25% amount of a comfortable retirement. Now, with those numbers covered, and I know this bit is going to be controversial, but the reason I say to allocate 80% to gold and 20% to silver,

even though I admit silver will outperform gold over the next couple years, it's almost a certainty. And I say it because of lower downside volatility risk, meaning the pullbacks for silver can be a heck of a lot bigger than they are for gold. And I've been saying it for years, but we saw it on January 30th. And for anyone planning their retirement around my numbers, around the ones that I've just shared, it gives you enough exposure to silver to benefit from the upside potential while allowing you to sleep well at

night knowing that central banks and people rotating out of bonds and into gold have your back and offer a higher level of stability to prices than we may expect for silver. Now, in addition to positioning yourself for a little more stability in retirement, we also have to remember some of the issues that arose during the last bout of silver price volatility, especially at local coin shops who found it very difficult not only to manage stocks, but also manage buy and sell pricing. Which is why I

also say if you want to sell metals at a fair price, just go to Summit Metals because they were and still are offering prices that are very close to spot. And just before we move on, I have to say that no matter what you do or what amount of your retirement you end up deciding to cover with gold and silver, just remember that pension plans like Social Security are running out of money all over the world. And in the United States, as I've said in past videos, the Congressional Budget Office is

projecting that Social Security will have to cut payments to Social Security recipients by 25% in 2023 and beyond, which in reality actually may come much sooner than that. At which point, I assume dollars are going to get printed like never before as they print up the money in order to fill the gap. Which is precisely why holding gold and silver for the long-term for your retirement savings makes such good sense, especially when you consider how much they have appreciated in value relative to the prices of goods since 1968. as

this updated example showing how a Toyota Corolla has declined in price by more than 90% when measured in gold and nearly 70% when measured in silver despite the fact that the sticker price in US dollars has increased by more than 1,200%. And moving on to a more modern example, also updated, showing how the price of an iPhone today is basically 80% less when measured in gold and silver than it was when it first launched back in 2007. What I'll say is this. These are long-term trends that mean much more

than a temporary pullback in January of I suspect that pullback, by the way, will end up looking like a blip on the screen by January of next year because we've only just broken above long-term resistance for both gold and silver. In fact, it was only a few months ago that we broke 45-year resistance for silver. And that tells us, as I said this past Sunday, that this pullback was and still is a buying opportunity because even if we get a second slam in the month of February, coinciding with the Chinese

Lunar New Year, which I have also warned about, so don't accuse me later of not reminding you all, none of it will matter by the end of the year or two or 3 years from now. And staying on a schedule is much more powerful than trying to time the market when the long-term trend of currency devaluation and metals appreciation relative to the cost of living and relative to the cost of goods and services is such an obvious one. Now, moving on to this video's viewer question. And just remember, you

can submit a question to me that I may answer in my next video in the comments section of every video I do. So, please don't forget to do that. You never know, your question may appear in my next video. And this one comes from Wendy Nash, who asked me what I think about energy stocks. And I dug this one up from more than two months ago because it's when I first started speaking out about oil stocks here on the channel. And if you go back to that video, you'll see that many people thought I was crazy

and said that I was far too early to buy into these oil stocks and that they were already at all-time highs and that they were imminently going to crash because Doomberg, the green chicken that sometimes appears on other YouTube channels. I've seen them said that oil is going to $30 a barrel. Now, to kick things off, I want to be clear that I remain most bullish on mining stocks and precious metals. And I'll add that mining stocks are the largest stock position I hold right now. And that's

just for the sake of transparency here on the channel with an especially bullish sentiment towards silver miners like silver core metals which I revealed as one of the stocks I own in a video two weeks ago and is up about 250% over the past year having reported a 118% growth in adjusted net income this past week for the fourth quarter of 2025 versus the fourth quarter of 2024. four with a financial health score of four from investing pro based on over a 100 factors measured against other companies operating in the materials

sector. So nothing has changed here. And the reason nothing has changed here is because these silver miners are hardly priced for $80 per ounce silver, which is where we're at today. let alone $100 silver, which we flirted with in January, and I'm certain we're going to flirt with again very soon. Instead, they're priced for maybe $50 silver, which I said in Sunday's video is a price we're not likely going to see again, as I think we've already bottomed out on gold and probably silver, too,

with a small small outside chance of a final flash crash for silver around February 20th. But again, if we can get past that date, all of that is going to be behind us. Now, although I remain super bullish on the precious metals and the mining stock, specifically those silver miners, which I think are really going to shock us in the next couple years, a table can't stand on one leg. And of course, I have a large real estate position. Many of you probably know about since I am primarily a hard

asset investor. But when it comes to stocks, I have started scaling into oil companies. And the reason I cited for doing this was that money market and savings accounts were giving less and less return with it, becoming very hard to get 4% or more on your cash if it wasn't tied to a temporary promotional deal. And you can see some of those examples here on the screen right now. So with oil stocks at the time I started scaling into them paying dividends of about 4% to about 4.5% with some paying

even higher than that. Although they have shrunk a bit since the price of these stocks has gone up. I said I could wait as long as it takes for oil to get to $100 a barrel because it's better than holding cash in these money market and savings accounts and I can reinvest the dividends into the stocks as I wait for that eventual return to $100 per barrel oil and possibly higher. Especially when you consider the fact that oil has never been cheaper since 1946 when measured in gold and silver than it is today. And if we are in the

middle of a bull market for commodities, and I think we are, which is very much being driven by inflationary forces, then it's obvious oil is really the last one to move. And it makes sense from my point of view to take a position now. So, with that little bit of background out of the way, we are now seeing major oil stocks like Exxon Mobile breaking out to the upside after a long period of sideways price consolidation as oil prices stabilize above the $60 per barrel price level. And although they

may retest the breakout support levels if we see issues on the stock market, the overall downside risk on these stocks remains low with the dividends providing amazing cash flow potential, especially if you're looking for some passive income in retirement. And since it's only the early days still for this breakout in these oil stocks and I think we are also in the latter days of a recession that was never announced that likely started in early 2024. These oil stocks are in a similar place to where

mining stocks were back in early 2024 with admittedly a little less upside since the mining stocks were really criminally undervalued. Anyhow, from my point of view, this is a great option for people looking to protect their money with commodities and add a little diversification to the portfolio, especially if you had the feeling you may be overexposed to the miners during the last pullback during which time, by the way, the oil stocks moved up. And remember, since mining company margins or profitability can be negatively

impacted by a rising price of oil, since that's one of the largest input costs in the mining business, this is just another logical way to hedge your position in mining stocks if you happen to have a large mining stock position. But don't do it blindly. If you have access to this tool already, use it to help you identify winners in the sector. The Investing Pro tool also has the Energy Elite portfolio with stocks that you can look at directly to potentially add to your portfolio. Or you can keep

it as simple as just comparing Exxon Mobile, which you know I own, two industry peers and look for some value that way. But however you choose to do it, don't do it all at once. Remember, scaling in can take weeks, it can take months. Set a budget. Identify stocks you think are good. Again, investing pro from investing.com helps make that easy if you want a little bit of help in doing that. And be prepared to hold these stocks for more than 12 months to see results as it rarely happens in just

12 days. So, as we finish, I just want to thank investing pro from investing.com for making this video possible. It is a powerful platform that I really use and recommend. And by using my link in the pinned comment and video description below, you can get 15% off when you sign up. So, please click on the link below, even if you're not ready to buy it yet. There's a short video that shows you how it works. And by just showing interest and by clicking on that link, it helps me a lot and it may lead

to future midweek videos. So, with that said, that's it for this video. I hope if you took any lesson out of it, it's that being right on one or two things for a long time can build a lot more wealth than trying to hit a home run, trying to be right on a hundred different things over multiple different short periods of time. I appreciate your feedback as always. Please let me know what you thought about this video in the comments section below. If you enjoyed it, please like it and share it with

people you know who may find this content beneficial as it helps grow my channel. And with that said, I want to remind you all to take care of yourselves and take care of each other. See you all in the next video, which will be coming this coming Sunday. And until then, goodbye.