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There are different ways to invest so that your future can be somehow secure, or at least that is the target–to make the future secure economically. If you have the money now, what will you do with it so that you can get some of the interest later? Pension plans act like that. With the face amount and upon maturity, you can claim the lump sum and deposit it in a bank. The interest thereof, when withdrawn, can be enough for you and your family later. You still have your lump sum in the bank.
What if you have silver bullion bars at hand?