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<p>[QUOTE="PeacePeople, post: 1614287, member: 20082"]If you plan to hold for long term, here is what I'd do and am doing.</p><p><br /></p><p>a) Since I believe silver has better potential that gold for medium term, I'm stacking more of this. By dollars as a measure, 75% vs 25% gold.</p><p><br /></p><p>b) I'd stay away from platinum and palladium. I only have 1 1/10th ounce platinum eagle, because I want to have one and don't care about return on that.</p><p><br /></p><p>c) For gold, I have small lunar coins because the premiums I paid for them is in line with what I'd have to pay for gold eagles and maples, so I bought them because I like the design better. I do also have gold eagles, but prefer the lunars as I think I might have a better chance at collectable premium. I might not too, but it's a chance I'm willing to take.</p><p><br /></p><p>d) For silver, I would stick with govt issue, but I have diversity within them hoping to catch some collectable premium on some of them. If I was newer to this than I am, and I'm not some savvy vet that's been buying since the 70's or 80's, the things I'd look at are those that you can buy at release with limited premiums. That would be things like the RCM wildlife coins, Antelope, Moose and Cougar, also things like Perth Mint lunar series or Kookaburras if you can get them at reasonable money. I wouldn't go back and try to buy the RCM Wolf or Grizzly, the premiums are too high, but the others you can buy for premiums of about $3 over spot. The lunars and kooks for about $5 over spot, and you might consider Panda's for the $6 over spot they're selling for now also, that's current year issue, and 2011 and 2012 for a couple $$ more, not the older issues. </p><p><br /></p><p>e) Eagles and Maples are not a bad idea for a "core" stack, or 90% US coinage. They tend to sell for close to spot, $2 to $3 over for the eagles and maples, and if you work at it 90% for spot. They are nice to have for a base, but they are tied to the spot market of silver, and I wouldn't count on getting any collector premiums out of them. You might, but it's not as likely as the other things I mentioned.</p><p><br /></p><p>f) The very last thing I'll say is stay off ebay, and deal with reputable dealers, Goldmart, Provident, Apmex and the like. The chances of getting burned on ebay are significant, especially if it's a "too good to be true" type of deal. It's not worth the hassle, IMO, and being new you might get burned and not even know it until it's too late, way too late.</p><p><br /></p><p>g) The last thing I'll say is be careful of Fancy Coin Syndrome. (or round if you prefer) Some mints make things that they sell for double spot at release up to $100 per ounce or in the case of the Chinese fans and flowers, even $200 per ounce. They might or might not work out in the long term, but paying that much up front is a very large gamble if you're looking for ROI. There are many that will tout items like this, and they may have done very well with them. I'm not saying don't do it under any circumstances, but if there is a place I'd tread very lightly, it's there.</p><p><br /></p><p>Be careful and remember why you've decided to stack, it's easy to get sucked in to fancy stuff, just wanting something different then going back and overpaying for stuff that 2 months later you kick yourself for buying. In the end it's up to you, just keep in mind why you're doing what you're doing, but there is nothing wrong with treating yourself, but it can be difficult to not go overboard.</p><p><br /></p><p>I'm sure I left stuff out, but that's all I have for now.[/QUOTE]</p><p><br /></p>
[QUOTE="PeacePeople, post: 1614287, member: 20082"]If you plan to hold for long term, here is what I'd do and am doing. a) Since I believe silver has better potential that gold for medium term, I'm stacking more of this. By dollars as a measure, 75% vs 25% gold. b) I'd stay away from platinum and palladium. I only have 1 1/10th ounce platinum eagle, because I want to have one and don't care about return on that. c) For gold, I have small lunar coins because the premiums I paid for them is in line with what I'd have to pay for gold eagles and maples, so I bought them because I like the design better. I do also have gold eagles, but prefer the lunars as I think I might have a better chance at collectable premium. I might not too, but it's a chance I'm willing to take. d) For silver, I would stick with govt issue, but I have diversity within them hoping to catch some collectable premium on some of them. If I was newer to this than I am, and I'm not some savvy vet that's been buying since the 70's or 80's, the things I'd look at are those that you can buy at release with limited premiums. That would be things like the RCM wildlife coins, Antelope, Moose and Cougar, also things like Perth Mint lunar series or Kookaburras if you can get them at reasonable money. I wouldn't go back and try to buy the RCM Wolf or Grizzly, the premiums are too high, but the others you can buy for premiums of about $3 over spot. The lunars and kooks for about $5 over spot, and you might consider Panda's for the $6 over spot they're selling for now also, that's current year issue, and 2011 and 2012 for a couple $$ more, not the older issues. e) Eagles and Maples are not a bad idea for a "core" stack, or 90% US coinage. They tend to sell for close to spot, $2 to $3 over for the eagles and maples, and if you work at it 90% for spot. They are nice to have for a base, but they are tied to the spot market of silver, and I wouldn't count on getting any collector premiums out of them. You might, but it's not as likely as the other things I mentioned. f) The very last thing I'll say is stay off ebay, and deal with reputable dealers, Goldmart, Provident, Apmex and the like. The chances of getting burned on ebay are significant, especially if it's a "too good to be true" type of deal. It's not worth the hassle, IMO, and being new you might get burned and not even know it until it's too late, way too late. g) The last thing I'll say is be careful of Fancy Coin Syndrome. (or round if you prefer) Some mints make things that they sell for double spot at release up to $100 per ounce or in the case of the Chinese fans and flowers, even $200 per ounce. They might or might not work out in the long term, but paying that much up front is a very large gamble if you're looking for ROI. There are many that will tout items like this, and they may have done very well with them. I'm not saying don't do it under any circumstances, but if there is a place I'd tread very lightly, it's there. Be careful and remember why you've decided to stack, it's easy to get sucked in to fancy stuff, just wanting something different then going back and overpaying for stuff that 2 months later you kick yourself for buying. In the end it's up to you, just keep in mind why you're doing what you're doing, but there is nothing wrong with treating yourself, but it can be difficult to not go overboard. I'm sure I left stuff out, but that's all I have for now.[/QUOTE]
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