Yes, your accounts are secure. If you live in the US, your expenses are in dollars so the declining value is not directly hurting you.

A declining dollar is not all bad. It can actually boost our economy by making American products cheaper for foreign companies to buy. I hear a lot of nervousness about it on websites like this, but I haven’t heard a lot of complaining by American CEOs.

That being said, a properly diversified account should have some exposure to foreign investments. There are many good international mutual funds available or you can simply invest in American companies that do a lot of business overseas.

As for gold, you may have missed the party. It’s nearing $1,000. The big profits may already have been made by people who got in much earlier. Of course, no one can predict the top, but you may risk buying near the top and riding it back down again. (Anyone remember when gold was $800 and went back to $200?)

Your retirement accounts should be sensibly diversified. Do not try to time market highs and lows.

Gold is up to 1000 so too much. If you are in the stock market wait and watch for an opening to get out. Overseas ***** right now. Municipal Bonds are good right now.