There are a number of physical formats you can consider when buying gold:
Physical precious metals like gold are a hedge to the traditional banking system. In a crisis, if the system collapses, it may very well take your property down with it (if it can).
If there is a run on the banks, having your gold under your direct control means they can't confiscate it, block access to it, or have loaned it out in a leveraged fashion.
Governments around the world have seized noble metals from time to time, so keeping your entire stash locally could be a bad idea depending on where you live.
Safe jurisdictions like Switzerland should be considered when you get to the point of holding a significant (tens of thousands of dollars worth generally) amount.
The Swiss government is unique, in that it's highly decentralized. They simply don't have the structure that would allow for a central authority to come in and confiscate property.
Because of this, they've long been considered a safe haven for metals like gold, and the reason we recommend considering sending some there once you've accumulated a large amount.
Buying gold on credit or speculating on the future price can lead to getting yourself in a significant financial jam.
Instead, put some money to the side that you're sure you're not going to need in a short time horizon, and use that to invest.