For some people, gold is an investment. For others, it's a religion. The latter aren't satisfied with a gold fund. They need to own the metal itself. "People buy physical gold usually for one of two reason," says Peter Hug, director at Kitco Metals, a Montreal-based precious metals dealer. "One is privacy: They don't want anyone to know they have it. Secondly, they're worried because newsletter writers since the '80s have been saying the government's going to confiscate your gold, the world's coming to an end and you're going to need gold to barter." Acting on such fears come at a price.