I have ~15k AUD in bank and ~ 3k AUD and USD physical currency. I don't want to have any cash on me besides the 3k above. I have 3.5oz gold and 100oz silver, most of which I bough this year just after the big move in June/July. I definitely want to get my money out of the bank, but I’m not sure what to buy with it. Stocks = NO, way too overpriced and I think there will be a major crash before the 2020 election. Bonds = NO, they have negative real rates Super = NO, too regulated, rather have my own stock portfolio if I ever wanted to buy stocks in the future Real estate = YES, eventually. Massive bubble now so ideally I’ll hold gold and wait until the crash and scoop up property at the bottom. So my only option is gold and silver. Do you guys think I should get move my bank into gold ASAP or spread it out over months/years to cost average my stack?