At the end of the day, net worth means nothing.  Purchasing power, however, is what counts.  Gold and silver have retained their purchasing power over the years.  There may be some fluctuation over shorter time frames, but if you are trying to prepare for and plan for retirement, you should focus on investments that will retain purchasing power.  The dollar today is worth much less than just 20 years ago.  Many retirements can last more than 20 years.  So the dollars saved and set aside at the beginning of a retirement will be worth much less at the end.  That is not true with silver and gold.  Read this article to get a first hand perspective on the way gold and silver retain purchasing power.