My adult children do use these kind of portfolios. They use, in particular, the golden ratio portfolioar eldest to save for the down payment for a house. He's following the house hacking recommendations of scott trench in the book set for life. I suppose the two ways of getting around those issues would be to use gold miner stocks like the e t f and g d x. Or there is a alternative gold fund called fizz p h y s that at least claims to be taxed not like gold, or other gold e t f. But i'm not sure the juice of those lemons is worth the squeeze,. particularly when you consider they do not have the same diversification properties as