Your IRA may pay off but be ready for a bumpy ride. I expect the metals to go WAY down, but this is a manipulation to run off the weak and give an opportunity for the insiders to get in cheap. I expect this to happen soon. Hold your physical and you will be rewarded in the end. By ready to buy the dip. Gold at $1000 and silver at $10. Good luck.
I'm NOT an expert and I didn't stay at a Holiday Inn Express, so beware, YMMV.