Personally I like to keep minimal cash at any time and id never dream of having 15k cash sitting around daily losing value while metals keep rising. Physical price wont be dropping much if any and with the jump from $1200 to $1800 you've lost ALOT of purchasing power already. Cost averaging might work in some environments but I sure wouldnt hope for prices to drop because they have every reason not to. We are looking at an upward trend now. Even if paper spot drops you wont find metals for that anyway, might as well get it now and be done with it is my opinion. I sure wouldnt wait too.