Why the 10-5-3 Rule Fails Gold and Silver Investors

Excerpt:
The 10-5-3 rule helps investors set return expectations for stocks, bonds, and cash. But gold and silver aren’t paper assets — and measuring them with a framework built for yield and earnings leads to the wrong conclusions every time. Here’s what precious metals investors use instead.

Gold vs. Savings Account: Which One Is Actually Beating Inflation Right Now?

With inflation at 4.2% and the national average savings rate at 0.38%, your savings account is earning a real return of approximately negative 3.8% per year. This article explains what a savings account and gold each actually do — and which one is built for the job of protecting your purchasing power over the long term.

What the Silver-to-CPI Ratio Reveals That Spot Price Hides

Silver hit a nominal all-time high of $121.64 in January 2026 — yet the silver-to-CPI ratio tells a different story. Adjusted for inflation, silver remains well below its 1980 peak and barely above its 2011 cycle high. Here’s what the ratio reveals that spot price alone never can.

Gold Prices and Real Interest Rates: What Every Investor Must Know 

Real interest rates — not headlines — drive gold prices. When real yields fall, gold rises. When they rise, gold faces headwinds. Learn how to read the 10-year TIPS yield, breakeven inflation rate, and Fed rate expectations to anticipate gold’s next move and align your precious metals allocation accordingly.

Investing in Silver: A Clear, No-Hype Guide to Building Real Wealth 

Silver isn’t just a cheaper alternative to gold — it’s a strategic asset with a unique role in any long-term wealth-building plan. This guide breaks down what investing in silver actually means, the difference between physical silver and paper alternatives, and the disciplined strategies that serious investors use. No speculation. No shortcuts. Just clear, practical guidance to help you make informed decisions and build real wealth over time.

Gold Silver Prices: Short-Term Noise, Long-Term Signal

Gold and silver prices are full of short-term noise—daily swings driven by Fed commentary, currency moves, and speculative trading. But underneath the volatility lies a consistent long-term signal. Learn how to tell the difference, what structural forces actually drive precious metals prices over time, and how to build a strategy that stays focused on what matters most.

How Government Debt Affects Gold and Silver

As government debt reaches record levels, gold and silver are emerging as critical hedges against inflation, currency devaluation, and declining confidence in sovereign financial systems. This article breaks down the key mechanisms linking national debt to precious metals prices, explores a decade of historical performance data, and provides actionable portfolio allocation strategies for investors looking to protect their wealth in an era of fiscal excess.

Ask Alan: The Three Questions to Ask Before Buying Any Asset in 2026 

Most investors lose money because they never learned how to choose investments in the first place. In 2026, you don’t need more complexity—you need clarity. Alan Hibbard’s 3-question framework cuts through market noise so you can evaluate any asset based on fundamentals, not emotions.

Gold vs. Cash: The Cost of Holding Dollars in an Inflationary World 

Inflation quietly erodes the value of your dollars, making the gold vs cash debate more important than ever. Learn why gold preserves purchasing power while cash loses it — and how this affects long-term wealth.

If You’re Wrong About Inflation… What Saves You Then?

At the New Orleans Investment Conference, Mike Maloney answered a crucial question: are bonds still a safe haven? His answer was clear — in an era of endless debt and currency creation, gold and silver, not bonds, are the true insurance against systemic risk.