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Ownership of physical gold has the problem of safe storage. If you have an adequate safe or safety deposit box, Ok. If not, it can be very risky.

Insurance riders can be expensive.

Keeping the lid on your "secret" can also be a problem. An aquaintence of mine back in the 90's overheard his son talking with a couple of his friends about his Dad's gold in the house. Needless to say, he was surprised beyond belief. He rented a safe deposit box the next day.

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