All you have to do is ask yourself, what are “they” trying to herd me toward?. Only an idiot would buy bonds guaranteed to lose you money. So do they want you to put your money under your mattress? Do they want you to buy crypto currencies? or buy stocks? or PM’s? or just spend your savings?
I don’t have the answer, but having worked with animals for the past 45 years I sure recognize when I am being herded! Maybe it’s all to do with getting us on a cashless society like the new and highly touted Facebook Libra; making everyone think the crypto’s are the cats meow and we’ll make fortunes if we run that direction?
Like I said, I don’t have the answer but I sure recognize when I am being herded, so I’ll just stick with the real thing on the chance it will continue to hold its value as it has throughout history……And yes, I’ll also play with stocks, just to keep myself in the game. And when the music stops I expect to have a chair to sit in. All The Best From Silverngold!