I have recently come to thinking. What if my retirement fund (Roth IRA) is still "worth" the same in 20 years as it is now despite contributing to it for the last 10 years. What if: the bank who I am sending my monthly contributions to my Roth IRA goes under between now (34 YO) and when I need it (65 YO).

30 years????

Do I have faith that the USD will endure that long?

My dilemma. Cash in now and convert it to physical precious metals that I have in my hand and have control over. A quote comes to mind though I cannot place the person who said it along the lines of, "The same amount of dollars will not buy you a loaf of bread 20 years from now as today, but the same amount of silver will buy you a loaf of bread today as will 20 years from now." Or something like that.

What I am realizing is that it is not that the price of precious metals is not going up... it is the value of the USD is in fact going down. (the USD buys less and less daily!)

I have this constant draw to liquidate my Roth IRA to which I have been contributing to for the last 10 years (and bearly seeing the value go above what I have contributed) or waiting it out for the stock market to "go back to what I did not want to get down to"

Any Financial Advisors in the house?