Fair enough but when you look at it, you'll see that basing your investment on the hopes of the interest staying at the same level is just similar to investing in metals. Investing in metals is not for a short term, sure you can play the short term game but with metals it pays to hold on to it for a longer period and is more stable than interest rate fluctuations. Gold has given some great returns for the last few decades and that's saying something..LOL