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Message:: [QUOTE="borgovan, post: 499552, member: 13016"]An interesting question. I suppose it depends on the reason you're collecting. The approach one takes should depend on whether they're collecting for enjoyment or investment.  Let me start by saying I have a bit of a bias in that I do not recommend people collect coins as an investment. It is very risky, there are a lot of variables involved, and the market moves up and down, just like any other market.  If you are collecting for enjoyment, you typically want the best example possible of the coins you are interested in. Take the Mercury dime series, for example. If you want to collect the key date in this series, the 1916-D, you will run out of $1,000 very quickly; probably before you hit VG. On the other hand, you would have no problem putting together a whole set of Mercury dimes, minus the 1916-D, in VF for under $1,000.  Back to your original question.  I personally would prefer four $250 coins to one $1,000 coin. This offers diversity (always important in investments, see disclaimer above) as well as better options in liquidity should you ever need to sell.  I'm sorry...I tried to give you stuff to think about, but it doesn't really look like I've answered your question. I'm thinking there is no right or wrong answer. It just depends on the individual and his/her goals.[/QUOTE]