要不要在退休帐户里买些金？

Gold is not suitable for our retirement investment goal.  Gold is a part of an asset class called 'Precious Metal', but it is not an income generating asset.  Investing in gold is a speculative play to wait for its appreciation, not like investment in real estate, bond or dividend paying stock which will produce income for your retirement needs.

If you are a high net worth investor, I would think that you will need to invest in gold, just as an asset class in your whole portfolio.  

[hhtt]

回复 'Sequoia_CA' 的评论 : 杉树美美，谢谢来访！我有投黄金，也买金条，这只不过是分散投资。对一股的工薪阶层，大家没有钱多到不用用的程度，所以不建议投黄金。

[Sequoia_CA]

目标是投资的话，黄金不适宜，明白了。