a. Remember, you are investing in 999.9 Physical Gold! When the gold price drops, the weight if the gold doesn’t change at all!
b. Similar to a property, when the value of your property drops, it does affect anything if you didn’t sell off, and the bank won’t be calling you to do any top up because it doesn’t affect the bank when you are already paying the 3.5% management fees.
c. Thus, top up is not required, and the only thing to do is hold on and wait for gold price to go up! Holding power is the key!