Are you sure?
Has that physical silver in a depository maybe been sold four or five times?
Can you call them in the morning and demand delivery?
Not picking on you, it's just that my history with silver goes back to the Hunt brothers trying to corner the market in the 80's....(the last time we had $50 silver...)
I could ask for it to be delivered all at once but then I'd have to pay taxes on it!
Instead, I will probably take out around 4% a year during retirement or just let it sit a while. (I have most of my retirement savings in a 401k).