That is dumb buying silver bullion coins with a 25% spread, https://www.ozbargain.com.au/node/728718 to be honest this looks better than silver coins but how long will that last the good thing about it is it gives you super quick liquidity, not so much on the asx, but 4% return and you can instantly buy retail gold/silver so if you think things are going to turn but RBA already slowing rate increases. I really think the interest bank accounts are good for people saving to buy a house because I think at 4% interest you are getting a real return compared to housing that is going down, but not a real return against other things like energy.