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Whenever you are holding cash which is USD, you are liable to loss purchasing power.  Since year 2000, USD index has declined from 120+ to currently 74, a whooping 35%.  Smart people would chase hard assets to protect their wealth, e.g. commodities.  You may argue why not real estates or stocks; the short answer is stocks are tied to economy where commodities are not quite.  Say US economy becomes worse in the next ten years, stocks would lose value due to company revenue, on top of that you could have lost even more if USD decline in the next couple years.  However, commodities are tied to global economy, say the growing of China's economy, commodities would still have strong demand and they will become more expensive relative to USD if dollar decline in value.  Among commodities, gold and silver are the best choices for their portability and widely accepted anywhere in the world.