[BioCRN]

I don't really understand people who hold physical metals. You're leaving money on the table when you want to convert it to currency you will actually use in the real world.

It's hard to find a 1-to-1 conversion rate. Someone wants their cut just for the transaction when people want to convert shiny stuff to spending money.

Then you have taxation issues depending on where you live because for the most part it's treated as a collectable and it can be hard to find further savings in that department depending on how your financial life is being managed.

It's very possible to outrun the buyer's cut and taxation, but I like investing in other ways with those who interact with the production/discovery or hold the physical stuff themselves. I'd rather not mess with bars, coins, etc... Even with the fees on ETF and some Mutual Funds, I find it much easier than dealing with physical stuff.