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<p>[QUOTE=&quot;Deadline, post: 2895803, member: 83423&quot;]&quot;I have heard it said&quot; Is just that, hear say. I never said I agreed or disagreed with it. So comparing it to my other statement is irrelevant and non applicable. I would however lean towards the 80/20 split.</p><p><br /></p><p>&quot;But buy into ETFs or mutual funds, and you get to ride on the big players&#039; shoulders.&quot; A lot of people took a bath in 08 on that advice. Comparing stocks to PM&#039;s is a non argument as well. Two totally different animals. PM&#039;s are a store of wealth, a personal savings account not an investment. Sitting around thinking about how your PM&#039;s are losing or gaining compared to a FRN is ludicrous at best.</p><p><br /></p><p><b>PMs are not an investment they are insurance as such you should not compare them to investments you compare them to insurance. You buy fire insurance etc. for your house, car insurance for your car though you don&#039;t complain when you are forced to pay and you lose that money compounded yearly over decades? Do you complain that none of your insurance &quot;investments&quot; will never pay off unless your house burns down, or you are involved in a serious car accident totaling your car? No, but if anything ever occurred you would be very pleased that you have insurance. Thus the same is true of PMs they are insurance against the economic system failure they are not an investment and as such you should not be thinking of them in that way.</b>[/QUOTE]</p><p><br /></p>

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