Most banks and brokerage firms offer these accounts. But if you’re looking to combine the tax benefits of an IRA with a traditionally recession-resistant asset, opening a gold IRA might be worth considering.“It’s very probable that you will average a 12% annual rate of return over 40 years,” Orman said. “At the end of those years, you have a million dollars.”In an interview with Wall Street Journal this year, Orman explained that a 25-year-old could start putting $100 a month into an S&P 500 index fund thro ...