Hi! I would like to get long term exposure to gold, but for tax reasons I don't want to buy ETF. I was looking at XAUUSD at Interactive Brokers. Is buying XAUUSD considered as margin/loan? What if I have enough cash in my account and convert it to USD (my account is in EUR), is it still considered as loan? I don't want to pay daily interests, I just want low cost long term position.