You've asked the question of the century. I've seen my retirement account tank. The "goodies" I bought to back up the stocks and bonds (like Civil war buttons) are dropping in price. I collect real early pieces and right now I could buy 100 great items, at prices that not been this low for years, plus it appears most people are putting their rainy day collectibles on the market. I think a lot of people are just plain out of money. Real estate is marginal, not that I have any for sale. If China stops investing or someone realizes the country is way too far in debt, and the truth is not being told about the unemployment rate, we're really up the creek. I've heard federal government bonds are safe, but don't pay anything that resembles a return. A few of the bank stocks are up. Oil, gas and gold are down, and European investments don't look good right now. Fixed income investments are good so long as the company standing behind them is rock solid. Re your necklace, gold will never go to zero. But you better have it in a really safe place. And if the investment bankers had it "right" they'd all have retired by now and live in Aruba.
ya hit the nail on the head right there