Traditional mutual funds tend to be actively managed, while ETFs adhere to a passive index-tracking strategy and therefore have lower spending rates. However, for the average gold investor, mutual funds and ETFs are now the easiest and safest way to invest in gold. The key problem with receiving physical delivery is that you have to take care of it and you'll have to keep it safe. A safe is the most obvious option, or away from home in a bank safe.
But if you keep the gold in your home and want it covered by your homeowners insurance, you'll need to tell your insurer. Depending on how much gold you have, this could increase your premium. If you buy gold, use your savings, put it aside and make sure it's entirely yours. Don't take credit or speculate to buy gold.
You never know what the market is doing and you may have to repay your credit before the price of gold rises. You have to give up certain wishes today in order to profit from your investments in the future.