This. This. And then again this. I used to work in a company, a long time ago, where things were set aside for retirement, and invested in the meantime. Some folks call it the stupidannuation scheme ;-) Jokes aside, when it came to someone's retirement, we always used to tell them that at that point, the return OF the money was more important than the return ON the money. Don't get me wrong, PM's will go up - the more Spanky Bernanke and his crowd keep the presses running hot, for every inflated dollar the Fed pump into the ailing ship SS Fiat, your PM's will increase in value - maybe not today, but tomorrow or the day after. This I firmly believe. But, with PM's, you also get to "lock in" the "value" when you buy it - if today, you buy an ounce of silver for the price of a dinner in a good restaurant - in 10 years, that silver will still buy you the good dinner, irrespective of the "fiat" price. Same applies for gold. So - when is it a good time to buy more bullion? When you can comfortably afford to do so, without taking food off the table or leaving bills unpaid. If you worry and fuss over spot price, you'll never buy. Just keep your eyes open for good deals (many of the good folk here on these forums have excellent trades/sales in the right section), and keep checking your local coin & bullion dealers (preferably online, obviously). When you have spare cash, buy. Even if it is only 1oz silver - because even 1oz at a time, you can build a stack, and be far, far better off than the person next door, who does not understand what S is going to HTF soon.