I know there is so much knowledge here at 2cool, so I will start here. I am 22 years old about to go into Maritime Law at U of H. I have about 10,000$ at Charles Schwab doing absolutely nothing. I am familiar with IRA's/ ROTHS, however I would like to do something else with this money and not ad it to my IRA. I was thinking about buying gold in hand. Is this a bad move? I would put it in a precious metals fund, but I am a bit paranoid of this. Has anyone here bought actual gold boulion? If you have any ideas of where to move this money please let me know, I do not plan on touching it for a good while.