Hmm, I don’t know enough about the US system of retirement accounts to give you sensible advice.
But if you can get your accounts shifted or re-focused towards investments in commodity stocks, then that should be a big help.
RGLD or Barrick Gold are excellent Gold majors who own physical mines or the royalties thereof.
Avoid gold ETFs though - those really are like Gold IOUs, and the ETF companies don’t actually own enough physical gold to cover their liabilities in the case of a sudden gold spike.
Cash and bonds are usually the thing you want to retire on. We are - however - hitting a short unpleasant window in history where that simply isn’t true.
Hope this is helpful.
but isn’t the GLD etf backed by physical gold?
RGLD is the creme de la creme of gold stocks........