Of course you don't have to if you don't want to BUT then look back at it in about 6 months. The best prices on Palladium are at TULVING, APMEX and Northwest Territorial Mint. Otherwise just go watch the NIA CULT tell you what to do:
http://seekingalpha.com/article/825141-for-long-term-investing-buy-palladium?source=yahoo
...developing...
