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Message:: [QUOTE="buyingsilvers, post: 1506749, member: 18821"]Sorry about that, for some reason I thought you were the poster advocating 100% allocation to metals. That's true about the 401k maintenance fees & mutual fund fees.  But it's also true that the stocks contained within normally pay some sort of dividend and hopefully are profitable, which offset the fees.  For that reason, I think they're a good store of value,  for the "insurance policy" as you call it, and not so much as a profit generating investment. Another thing about PM insurance: since you have to "declare" your PMs to the insurance company, basically all of their employees and agents will probably be able to pull up your file (if they were so inclined) and see that you have a rider for your PMs stashed at your address and see the appraisal.   That was also not something I was comfortable with.[/QUOTE]