what is the point of phy gold ?

both phy and paper gold can be sold for MONEY.

you have phy gold , u trade in , u get phy gold money.
if gold price drop, same goes to your phy gold money.

you have paper gold, u trade in , u get paper gold money.
if gold price drop, same does to your paper gold money.

in my opinion,

there isnt any good time to buy.

you should buy when there is suddenly increase in gold value..