Well that is up to each holder's circumstances Skol. But for me, I took my "capital gain" off the table early last week and they put just over $223k in my account, which I will use most of that to buy Silver this week coming (that GSR is looking very inviting!). My initial "capital" (both Au & Ag) is still stored away safely. My plan is to liquidate all Au & Ag holdings at the appropriate time....which will hopefully not be too far away into the future.
I have not, at any time, either viewed (or used) Au or Ag as income since my first purchase in late 2014. I get that from other financial investments which I have set up.