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Weekend reading: Gold bugs really bug me

Weekend reading

Some good reads from around the Web.

One thing that has put me off investing in gold over the years is people who invest in gold.

At the height of the property boom, smug landlords who’d come to own 5-10 properties and told you that house prices never went down – ignoring any evidence presented that they did – were infuriating.

But they had the good grace not to bring global conspiracies, canned foods and shotguns, or the Mayans and Egyptians into the conversation. They also rarely told you that you were an idiot, or that you were being paid to lie.

At their worst, ‘gold bugs’ do that and more. The lunatic fringe of these investors recite a gabbled litany of sacred truths, acronyms and concatenations to rival a religious order. Non-believers are invariably stoned.

Take the article Cash out of gold and send kids to college by Peter Tasker in the FT this week1. Tasker points out the gold price has softened, despite European meltdown fears, low interest rates, and imminent monetary easing. He suggests that might be because after rising nearly seven-fold to its peak of $1,900 in just 10 years before falling to around $1,600, the current price might be high enough:

In inflation-adjusted terms, gold remains within spitting distance of the all-time high it reached in 1981. After that it embarked on a 20-year bear market, which delivered a loss of 80 per cent in real terms and a far greater opportunity cost as other financial assets soared in price.

Even now the total market value of all the gold in existence – which, remember, generates a return of precisely zero – exceeds the combined capitalisation of the German, Chinese and Japanese stock markets, with all the productive capacity they represent.

I think those are pretty interesting statistics, at least worthy of consideration.

Here are some quotes from the comments this article received:

  • “Wow! This guy has got to be a paid writer for the international banking cartel. What he is spewing out is exactly why they’ve been forcing the price of gold into line with risk assets like stocks. They want people to think this BS. The lack of insight is amazing”
  • “This author, Peter Tasker, is 5 cans short of a six-pack when it comes to understanding the Gold market. I would advise the editor of FT that you are known by the company you keep. And if you allow ignorance and incompetence to be passed along for knowledge, you’ll make FT synonymous with stupidity.”
  • “This argument is quite silly and does not understand the nature of gold.”
  • “Since when has the ‘quoted price’ been a good indicator for anything? Not since Liborgate anyways…”
  • “The Dep Premier of China is on record as ‘we are at war with the USD and our weapon of choice is gold’ China is winning this war – with a lot of help from the misguided and uninformed West.”

And so on. A few sensible voices make some good points in favour of gold, but they are drowned out by the noise. It is always thus when anyone questions the cult.

It’s very hard to imagine this kind of hysteria greeting anyone who said that shares were too expensive, that bonds were over-priced, that property had further to fall, or that cash was a poor store of wealth. Gold bugs see themselves as hardened contrarians – odd given so many sing from a facsimiled hymn sheet.

Some of the charges are ridiculous, such as the FT being on a quest to lower the gold price, or hellbent on publishing anti-gold propaganda. The FT has of course run plenty of articles over the years highlighting the case for gold – just this morning it recaps both sides of the argument, including what it terms “strong arguments in favour of holding the precious metal”.

I’ve come to believe that there is a case for an allocation for gold, and I’d like to add to my very small horde stored at Bullion Vault. Every time the price approaches $1,500, I consider buying some more. If I do so, I hope to discover that subscribing to conspiracy websites and inquiring about a Panamanian passport are purely optional.

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How much should I save for retirement?

Working out how much to save for retirement is the crux of your retirement plan. Every penny you invest in a pension now is a penny that will grow and compound for years to come.

On the other hand, you only live once, and you may not want to endure much more frugality during your working life than you need to in order to meet your retirement income goals.

The most important factors when figuring out how much to save for retirement are the ones you can control:

  • Your expected rate of return is under your control only in the sense that you might choose between a tour of the Georgian streets of Bath or the slums of Rio. You can’t predict what will happen but one option is much safer than the other.
  • Time horizon is partially under your control.
  • Your contribution level, or savings rate, is almost entirely under your control.

The uncertainty of the future makes me err on the side of saving and investing more now, while I still can.

  • Overshooting my target means I can retire earlier, at the cost of some shiny things now.
  • Undershooting means a future me will have to cling to the treadmill with fading strength, or face up to a retirement less golden than the one I’ve got in mind. I’d rather avoid that fate.

By saving more money, you reduce the chances of one of the less controllable factors scuppering your plans.

Save more as you age

Your contribution levels must also take into account the arch-nibbler – inflation – imperceptibly eating away the value of your pension contributions over time.

Most retirement calculators assume that you’ll increase your contributions every year to keep pace with inflation. Make sure you check your calculator’s inflation assumptions so you understand how your savings rate needs to adjust.

Now is also an ideal time to go back to your budget planner to subject your outgoings to the pointless tat test.

What are you spending money on that you can happily live without? The more unnecessary expenses you can whittle away, the more you can save, and so the less you may need to live on in the future.

Remember that working out how much to save for retirement is just one part of this equation. Check out our main article on how to create a pension plan for more on the other factors you need to consider.

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At what age should I retire?

When you are creating a retirement plan, the longer you can let your investments grow, the more options you have. This is because delaying your retirement gives compound interest more time to work its magic.

By playing with various retirement calculators, you can see how postponing the happy day can ratchet up your eventual pension.

Planning to retire later is very handy if you’re saving all the money you can and yet you’re still falling short of your target.

The question you really need to ask then is not “when can I retire?” but rather “at what age should I retire?”

Don’t regret not spending more time at the office

I’d love to retire early (tomorrow would be nice) but I’m a late starter when it comes to saving for retirement, so to establish a realistic finishing post, I initially plumped for retirement at 65.

Triangulating your retirement age, target income, and savings rate on a retirement calculator gives you an initial hand to play. You can then stick or twist from there:

  • If you want to retire earlier, how much more do you need to save?
  • Alternatively, how much bigger could your income be in retirement if you stay on the hamster wheel for longer?

Few people need to hear reasons to retire early, but to avoid a long, impoverished post-work existence, make sure you consider both sides of the equation.

Who wants to live forever?

Finally, remember that your time horizon isn’t entirely within your gift.

You might want to work for longer, but catch a corporate bullet and find it impossible to get another position at your previous level. You may get ill or become a full-time carer.

The list of things that can go wrong is as long as your imagination.

Equally, many of us don’t appreciate just how long we might live for, which can also be a bleak outcome if you don’t have sufficient money in your very old age to keep you in Zimmerframes and bribes for the great-grandchildren.

Playing with a longevity prediction tool could surprise you with forecasts of your future as a nonagenarian.

‘What if’ scenarios are hard to compute, so you need to leave room for error, as with the other key elements of creating a retirement plan.

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How much do I need to live on when I retire?

How on Earth can you fathom how much income you will need when you retire? A good first step when retirement planning is to know how much you need to live on now.

For a realistic answer, you can use a budget-planning tool like Money Saving Expert’s Budget Brain to capture your current spending.

I like this tool because it’s like holding your finances up to the Snow Queen’s mirror. It will give you the true picture of your outgoings – warts and all – by speaking plainly about areas that might otherwise be overlooked, such as dental expenses or beauty therapies. (I spend a lot on virgin’s blood, myself).

Will I really need so much income when I retire?

It’s commonly held that we spend less in retirement than in the buccaneering days of youth, so you can probably strip out:

  • Mortgage payments (assuming you have paid it off by retirement age)
  • Work related expenses
  • Child related expenses

But retirement isn’t all about sitting atop a hoard of your treasure, saving pennies with coupons / cruising the Caribbean, and writing letters to Radio 4.

For instance, you might consider upping your allowance for:

  • Travel costs
  • Health
  • Heating
  • Werther’s Originals

Once you’ve done all that, you should have a reasonable base figure for the annual income you’ll need to hit on the retirement calculator.

A few wrinkles

If you’re having trouble picturing your retirement, try this gimmicky but fun retirement income calculator that can help you visualise a life of permanent leisure luxury.

Meanwhile, this retirement calculator lets you pick your desired monthly income, then crank the handle to see how fortune plays out.

Remember that the higher your target income:

  • The longer you will need to save,
  • Or the more you will need to save,
  • Or the higher your growth rate will need to be (which implies a riskier asset allocation),
  • Or some combination of all the above.

Working out how much you will need when you retire is just one part of creating your retirement plan, so do subscribe to Monevator for more pointers.

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