better still increase in value

Once you flip your mindest to understand that the price of gold/silver NEVER goes up, its just the currency youre measuring it against has decreased in purchasing power, thenl more youll understand the importance of owning precious netals.

As for owning gold, for me herenin the UK, im also limited. I usually buy from the secondary markets, and its often gold sovereigns. Theyre easy to spot a fake, readily available, hold their price around spot and incredibly liquid ahould i ever need to sell on.