Investing in a Gold IRA can be a great way for small investors in the USA to diversify their retirement portfolio and protect their savings against inflation. Here are some advantages and factors to consider when investing in a Gold IRA:

Advantages:

1. Diversification: Gold has a low correlation to other asset classes, such as stocks and bonds, which can help to reduce the overall volatility of your portfolio.

2. Inflation protection: Gold has historically been a hedge against inflation, which can erode the purchasing power of traditional retirement savings such as stocks and bonds.

3. Tax benefits: Gold IRA's are tax-deferred, which means that you won't have to pay taxes on the gains until you withdraw the funds.

Factors to Consider:

1. Storage and insurance: When investing in a Gold IRA, you'll need to store the physical gold in a secure and insured location. Be sure to research your options and understand the fees associated with storage and insurance.

2. Gold purity: Gold IRA's are typically required to invest in gold that is at least 99.5% pure. Be sure to understand the purity of the gold you're investing in and the potential impact on your returns.

3. Fees: Investing in a Gold IRA will typically come with a variety of fees, such as setup fees, annual fees, and storage fees. Be sure to understand these fees and how they will impact your returns.

4. Market volatility: The gold market can be volatile, and the value of your investment can fluctuate depending on a variety of factors. Be sure to understand the risks associated with investing in gold and consider how it fits in with your overall investment strategy.

In conclusion, investing in a Gold IRA can be a great way for small investors in the USA to diversify their retirement portfolio and protect their savings against inflation. However, it's important to consider the advantages and factors mentioned before making any investment decisions. It's always recommended to consult with a financial advisor to help you make informed decisions.