Those of you who are interested in gold mutual funds are probably aware of high costly fees associated with mutual funds can add up.

What are the reasons to choose gold?

Gold generally holds its own in any investment evaluation on its strengths as a hedge against inflation, value in the event of political uncertainties and its traditionally negative relation with other investment vehicles, like stocks, bonds and commodities.

The value of goods and services that gold can buy has remained stable unlike currencies that have seen significant fluctuation. A study spanning a over four hundred years has shown that the basket of goods and services that gold could buy over the period has remained the same. A no load gold mutual fund may be the way to "inflation-proof" a portion of your retirement savings.

No load gold mutual funds protect your retirement portfolio from volatility from inflation, for example 9/11. While stocks and bonds crashed across the world, gold held steady and, actually rose on that day by 6%.

A no load gold mutual fund is a great way to hedge your retirement accounts in time of crisis. Similarly, crises such as wars, which have a negative impact on prices of most asset classes, have a positive impact on gold prices since the need for gold goes up as a safe haven for parking assets. It is the only investment exchange free of credit risk since it doesn't imply a liability to any other entity.

* A no load gold mutual fund may not pay high dividends.

* Gold has risen sharply in the past 5 years. Before that, gold has been in a bear market after peaking in 1980.

* World central banks have millions of pounds of bullion which they occasionally threaten to dump on the open market.

* Since no load gold mutual funds have performed so well over the last five years, they may not perform as well in the future.

* Your financial advisor or broker probably won't recommend for you to purchase no load gold mutual funds (They don't make much commission off of this, due to them not having a load fee).