Since the beginning of 2002, US dollars held in 3-month US Treasury Bills have yielded less than 3% per year (Source: Global Financial Data). Considering that the inflation rate over this same period of time has averaged more than 3% annually (Source: US CPI), the cash accumulated had less buying power in January 2007 than it did five years earlier. Over this same period of time, the gold price in US dollars increased by 130% - an average gain of 26% per year.
And the silver price in US dollars increased by 183% - an average gain of 36% per year.
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