Im assuming you are CDN in Sherwood Park Alberta

Gold is priced in US$. If you are investing your CDN dollars in gold, you need to consider what a rising CDN dollar will do for your bullion purchases. 2011 might be a flat year if the CDN dollar appreciates 20% and gold goes up 20%.

CDN mining shares may do the same in this scenario. Currently, I am long gold miners with low cash costs and are demonstrating growing profits.

Collecting bullion causes headaches such as : transportation, insurance and storage costs.

CEF.A in Canada is one way to invest in gold/silver bullion but it trades at a 10% premium to bullion prices.