Bingo! Just as with all investments you need a plan of when to sell and when to hold. There will be a point were FRNs have "just become worthless" as the system crashes yet some will still have excess goods of their own that they will consider trading for PMs. A bit later barter for food stuff and real survival items will be King. Another event will happen, if or when, a recovery starts. This will be another time to have PMs and a real need for them nation wide as a way to increase trade from more distant locations. It's all about doing it in the best time frame. Just like any investment.