Analyst consensus sees the S&P 500 closing the year around 5,100, underpinning optimism for "investing in IRA" strategies that maintain equity overweight stances. Historically, gold has served as a hedge against inflation and market volatility. Many investors turn to “safe haven” assets like gold during economic and geopolitical instability to preserve their wealth. A robo-advisor is a software platform that uses algorithms to create an investment portfolio for you. The best robo-advisors aim to maximize your return potential according to your risk tolerance . Robo-advisors will automatically adjust your investments regularly, also known as rebalancing, so you don't have to. Some retirement-savvy investors allocate up to 5% to regulated digital assets.