I have a precious metal savings plan. Up to 200 € / month, the savings plan is cheaper than buying physical. Small bars are also relatively more expensive than large bars. With the savings plan, you buy a share of a 10 kg bar, which is then booked to the precious metal deposit. The bars themselves are stored in a high-security vault at the Landesbank.
I currently hold a maximum of 15% of my assets in precious metals
