I would rather have silver or land instead of cash.  The American Dollar has lost over 50% of value the last 4 years.  Keep enough cash to pay the current bills.  What bothers me is I have to use AFTER TAX money to invest, Then the Government wants almost 30% of the difference that they have destroyed the value of the money difference because Gold is not any different than when it was $25 a ounce , but now it takes $4200 inflated dollars to buy because government  just prints more money  devaluing the Dollar causing larger tax bills.   Government LOVES inflation because they get more money because of the larger amounts changing hands