Buying physical gold is risky. Where are you going to keep it?

Safe deposit box at a bank? You aren't the only one with the key. If gold disappears from your safe deposit box, now it's your word against the bank. Good luck trying to recover.

Keep it in your home? Whenever you buy gold, you have to give ID, and they keep a database. There are rumors of criminals showing up to physical gold investor's homes, and they knew exactly how much was in their stash. Someone is tracking gold buyers and leaking the information to criminals. No matter how disciplined you are, you probably aren't going to hold out when criminals are holding your wife and children at gunpoint demanding your stash.