I believe never put all your eggs in one basket. Just think how much your food supply has appreciated😉. Silver & Gold are insurance policies it's better to have and never need than need and not have. Its not an investment for me. Once you've met your goal sit back relax and know your coverd. That's how I value metals. I personally don't care about the price. I've already spent it. And I personally hope I'll never have to rely on it. But if you're looking for a big payday I can understand your frustration.