Thank you all very much for your comments and opinions on partitioning one’s PM holdings between physical and paper forms of holdings.  As your collective comments indicate, it boils down to a personal and individual choice, based very much on one’s own circumstances.  For now, in our family accounts we are heading down the middle of the road, gradually increasing our physical holdings to achieve about a 50/50 mix of physical and paper forms of PM’s.  Best wishes, Equiz.