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Since your money is in precious metals, you're at risk to the fluctuations in the metals market. An example, gold closed down about 4 points today I believe (over $4) so you would have lost $4 if you had $365 in your account (the spot price of gold).
Got it?
It's comparable to owning a stock instead of owning money because the value rises and falls based on the market.
Penn
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