Speculation runs rampant in commodity exchanges, stoked by political turmoil and conflict in many oil-producing states and by "resource nationalism" emboldened by the high prices .

CNN: The price of our oil addiction

All this for a cost that is certain to be 5 to 10 times the price of stocks and bonds for an indexed ETF, and much worse if one pays the huge price of some of the commodity partnerships being sold by the product manufacturers that have a bit of a conflict of interest on this topic.

FORBES: Gold's Twelve Month March To $3,800