None of us will want to rely on hand-outs during our retirement years, we would all like to have something put aside so that we can have enough for a comfortable retirement without having to rely on the good will of others but, wanting that and securing that are often two different things. Most people will rely on the security of IRAs for their retirement but those IRAs are not really secure as they can come up short and did in 2010, disappointing 45% of all retirees that year. Regular IRAs are good in so far as they afford some good tax benefits but are perhaps unreliable as an investment for retirement as they depend on the well-being of the stock market to afford good returns on investments and that may not always be a safe bet. 2010 was the year of the last financial crisis and as a result of the crisis, the price and value of stocks dropped dramatically which left retirees that year, drastically short on what they had expected as a return on their investment for retirement. Since then, in an attempt to avoid the same thing happening to them, many people are looking at diversifying their retirement port folios to include other things than just regular IRAs. One of the things that they more commonly look at to provide some diversity, are gold IRAs. Although gold IRAs receive the same tax benefits as regular IRAs, their funds are not invested in stocks, rather they are invested in gold or other precious metals. Precious metals can and do of course fluctuate in value but as they are not dependant on any one stock market or even any one currency to maintain their value, they are considered safer investments than stocks. As stocks though are capable, in good years, of giving higher returns than precious metals, having some of each is often a preferred choice.
There is another type of investment though, that although harder to find, is even safer than gold IRAs and these are known as secondary market annuities. If secondary market annuities 2015 are similar to other years, they are quickly bought up by the larger professional investors but with careful vigilance a regular investor can find some in which to invest. These opportunities arise when someone that has been given or granted a structured settlement of some kind would rather receive one lump sum. As the payee may not have that amount readily available, they look for investors to pay the lump sum and in return, the payee pays the investors the structured settlement. As most structured settlements are bound by law, it is necessary for a judge to sanction any lump sum payment and at the same time that they do, they also order that the investors receive the structured settlement payments. These therefore can ensure, by law, that if you invest in one of these, you will receive regular payments for your investment regardless of how the price of precious metals or stocks fare.