Gold mining equities have underperformed spot prices, potentially offering leverage for IRA investors willing to shoulder equity-specific risk alongside physical metal exposure. Precious metals IRAs allow investors to hold physical gold, silver or other related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold and silver , making it an option for those looking to help shield their retirement funds against economic uncertainties. Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications. Inflation breakeven rates remain elevated, maintaining the case for commodities in retirement funds. Investing IRA gold offers a strategic counterweight as real asset exposure amid uncertain monetary policy paths.