As of the date this article was written, the author owns 0. Simply having access to an investment does not necessarily mean holding it in an IRA is for everyone. Blaskey says their average customer type has changed from previous years. In fact, stocks, bonds, and cash are the most common asset classes used to save for retirement. In recent times, fears of slowdown in the Chinese economy and events like Brexit led to many to flock around gold and bitcoins. Bitcoin Value and Price. There are also recurring custody and maintenance fees charged by providers of such services.