Wow, thank you so much for your detailed explanation. I gained a lot of new knowledge from you. I am very grateful to meet and join the SGS community. Not only have I made many new friends, but I've also learned many new things.
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It all boils down to, "What are our objectives?" ;
Is it to maximize saving your future buying power?
Is it a long termed savings account in case there is an emergency need?
Is it an asset that you want to pass down to your children so they can financially leverage themselves into a better lifestyle?
Or is it just for collecting fun and hobby?
Your plan could encompass all or some of these points.