Given the reasons to hold precious metals, storehouse of value, substitute for fiat currency, accepted in a crisis, etc., etc., not having physical possession of your holdings makes no sense to me at all.
Figure the future value of the metal as best you can, and equate that in weight to a year or two of expenses, then go for that amount of metal that makes you comfortable. Let's face it, a monetary crisis of the worst order is going to run for a year or two, then 'normalcy', meaning new currencies, are going to return. We're not going to have a barter economy or need to take the Krugerrands to the grocery store for any longer than we have to, the world will not work that way.
Figure the future value of the metal as best you can, and equate that in weight to a year or two of expenses, then go for that amount of metal that makes you comfortable. Let's face it, a monetary crisis of the worst order is going to run for a year or two, then 'normalcy', meaning new currencies, are going to return. We're not going to have a barter economy or need to take the Krugerrands to the grocery store for any longer than we have to, the world will not work that way.











Assume 10 years to retirement and just some misc ( < 25 oz silver) in current holdings






