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Well with something like gold (or an individual equity) timing does become important.. Especially with a CD which is a 100% investment back.. Gold is having a correction in the last week and I can see it going further down right now..
The everbank Gold CD has a 5 year term (they obviously want to lock you in so to minimize thier chances of a downside and having to pay out the principal guarantee in event of a pullback) which might not be for you..
Also bear in mind my opinion on gold and silver is purely that.. Theres plenty of other markets and exposure but its all about your feelings on where things will be..
Otherwise lots of 'fund of funds' type bundles that can be a more stable performers.
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