If you have a good amount in cold storage. Would you consider buying the etf to use as a spending fund (holidays, paying down mortgage, building outdoor kitchen, building memories with the kids etc) if it came with less fees and was easier to sell and be taxed etc. if you buy the etf and use like a short term savings account, knowing it will go up on the next few years. Keep the cold storage for generational wealth. just asking for a friend 😉.