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<p>[QUOTE=&quot;Prime Mover, post: 1506483, member: 38783&quot;]For me, the PM&#039;s / coins are not meant as a primary vehicle for retirement savings, but more an insurance policy of their own on many levels (including zombie apocalypse <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" /> ).&nbsp; If things go well, I don&#039;t plan on needing them to contribute towards my retirement but be more &quot;fun money&quot; if needed instead.&nbsp; Honestly I&#039;d rather like to pass it all on to my kids so they can continue to enjoy them if they wish as my oldest is starting to get the collecting bug.</p><p><br /></p><p>I view the insurance on them just as any other maintenance/overhead cost associated with things.&nbsp; Mutual funds and investments in my 401k carry a maintenance fee percentage as overhead.&nbsp; You usually don&#039;t see it since it&#039;s built into your overall return percentage, but it&#039;s there and can be sizable.&nbsp; SDB&#039;s carry some sort of fee, be it a monthly, or the overhead of maintaining a certain amount of business with your bank (don&#039;t know about you but my mortgage interest easily dwarfs the value of any SDB could ever counter).&nbsp; I&#039;d much rather pay a few grand a year to hopefully mitigate a complete disaster than lose everything in a house disaster (fire, flood, earthquake, etc) or theft.[/QUOTE]</p><p><br /></p>

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