Sell. It's the cheapest option vs. moving (high risk).
$164 billions would make a nice investment into infrastructure without touching their "Sondervermögen".
Yet it's costly -- albeit they might get special conditions.
I hold Xetra Gold (tax free gains after 12mon).
Some argue it's safe, because it can be delivered to the relationship bank: it's not really, it's uneconomical, at least for average Joe (~3% up to ~20% of value, heavily depending on denomination).
