#1. My bank will pay 0.00000000000001 % interest and then charge a bunch of fees so that effectively negative interest rates. #2. Stocks scare me as they are overinflated with cheap money now and Im afraid due for a fall. So that leaves me wanting to buy some gold because Gold is so beautiful and its been around forever and it will always have value and blah blah all the other stuff we already know. I would be looking to hold say 10 years or more but still I feel apprehensive even with Gold. Everywhere I look the sentiment seems to be so negative. Even on the coin/bullion boards there isn't much excitement or belief that it will go up or even hold value. I keep hearing some people saying Golds true value should be $700-$800 and that it will eventually fall there. Now I know that's just their opinion but who wants to buy and then watch half its value disappear ? Noone. If I could just believe that 10-15 years from now Gold would still be worth $1500-$1600 then I would accept that. Its only a 1.5% or so a year gain but that's better than I am going to get anywhere else right now. I just really fear it tanking hard. Another concern I have with Gold is all this Edited: Read the rules !coming from China. This is only going to continue and I have seen some fake silver in hand. Its not that easy to tell its fake. Very easy to get screwed IMO and wont even know until you try to sell it. I know an LCS/Online dealer wont sell fake intentionally but do they really 100% test and guarantee everything they buy is good ? Maybe they do. I don't know for sure. I am happy when I hear the cost of production is $900 or so an ounce average. Is this true ? And can Gold stay under production costs for 10+ years ? I don't know maybe I am overthinking it. Maybe I should just buy and let whatever happens happen. But we have to realize it would suck if 15 years down the road youre older and maybe have health problems, and you have to have the money and spot is $500 when your DCA is $1500. Even though I don't know if spot could ever truly fall that low I would feel better about buying if I felt that it couldn't drop under $1000. I can stomach a small loss but maybe not a massive loss.