AaaGee

Sovereigns all day mate!  
Problem with that 37k in 15 years is lucky to be worth 12-15k in real terms.    Gold historically has always been a store of wealth look at a sovereign as a stored weeks take home wage today.  It's very likely still to be a weeks wage in 2037 when a weekly wage is £850 for example.   
Silver is not a store of wealth, it has not kept up with inflation.    
The only thing I can see putting gold under pressure in the mid term is very high interest rates as this historically has a negative effect on gold as there's better returns to be had having cash in the bank.  But I don't trust the banks one bit, would not surprise me if the banks all temped us to liquidate everything for the promise of a high interest return only to nail us all with a bail in once they are holding all of our cash. 
By all means buy what you like and live by the financial decisions you make for yourself.  
 
 
 
 
 
 

Which coin is it?
Maybe put a wanted post up on here, sure it will be cheaper 🤔 

As for silver there is a positive.
Im heading towards 50 now and never been good at saving money.
If i were to put 2.5k a year for the next 15 years on silver i would have what owes me £37.500 
Fingers crossed, at worst its still worth what it owes me. Sell it all and bank 37.k 
Surely its worth it?
This is hoping that i can afford to put 2 5k in yearly. Maybe some years more, some years less.

As for silver there is a positive.
Im heading towards 50 now and never been good at saving money.
If i were to put 2.5k a year for the next 15 years on silver i would have what owes me £37.500 
Fingers crossed, at worst its still worth what it owes me. Sell it all and bank 37.k 
Surely its worth it?
This is hoping that i can afford to put 2 5k in yearly. Maybe some years more, some years less.

As for silver there is a positive.
Im heading towards 50 now and never been good at saving money.
If i were to put 2.5k a year for the next 15 years on silver i would have what owes me £37.500 
Fingers crossed, at worst its still worth what it owes me. Sell it all and bank 37.k 
Surely its worth it?
This is hoping that i can afford to put 2 5k in yearly. Maybe some years more, some years less.

Basically it's keeping air/moisture out that will keep you in best shape, ever thought about a food sealer? Haven't used myself but seen others using with great success. 
https://www.amazon.co.uk/Homeasy-Automatic-One-Touch-Preservation-BPA-Free/dp/B07QRYY4CM/ref=mp_s_a_1_1_sspa?crid=2IBCM8MUGWQD2&keywords=food+sealers+vacuum+packing+machine&qid=1658768609&sprefix=food+seal%2Caps%2C85&sr=8-1-spons&psc=1&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEzVVVFS05MMU1OUlBHJmVuY3J5cHRlZElkPUEwMjI3NjUwWFlNSU9ZS0owSEhJJmVuY3J5cHRlZEFkSWQ9QTAyOTg2MDcyMjJWMlRENEVaU1pEJndpZGdldE5hbWU9c3BfcGhvbmVfc2VhcmNoX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU=

I know mate, only playing. 
I suppose I have been lucky in the fact that I have made money from silver and have managed to grow what I have accumulated but my expectations have never been high financially which may have helped. I do hold gold but unfortunately have no love for it, maybe because gold only represents value with little use case, it basically only fluctuates depending on how many rich people want it. 
I suppose silver is a little hope, those who bought in 2019 would have made a fair bit on the silver squeeze phenomenon. Silver to me is probably the only thing in my house I have to my self (kids, missus and mates not interested). I get enjoyment of holding something real, a bit of history, dug from the earth buy man (or woman) and crafted by man (or woman). I have to admit I am not currently buying and will start again when a recession is called officially. The charts and history all prove that it's the underdog and that is probably its main selling point but as long as you don't throw all your money into it , it can be treated as a hobby that may make you a bit of money at some point. 
There are moon boys (and girls) in everything, trust me I have been learning the crypto world but as a whole they are a small percentage of the community that think the lights are going to go out tomorrow. Take it with a pinch of salt I say. One thing I will say is what I have learnt over the last couple of years is no one can predict tops, bottoms, COVID, war and governments printing money so just play the game with your own eyes rather than "influencer's". 
Any how, off to buy some beans and bricks now. 
Silver to the moon 🚀🚀🚀🚀

Hi AaaGee
Thanks for your reply.
Certain substances interact poorly with silver over extended periods of time. This includes paper, aluminum foil, and plastics with PVC. Plastics can be a great storage medium for silver, but you should verify that they aren’t PVC plastics, which are generally softer plastics.
 

@Happypanda88 my horizons are broad enough, and if people want to get sucked into buying silver for the sole reason for “ being a hedge against inflation” then good on them it’s not my money they are losing.   
 
Pointless buying a 1oz round while someone is paying 39.9% Apr servicing their credit card or overdrawn obligations or paying 3% on a mortgage for them next 35 years.  
 
as for the economy collapsing, let’s say it does at 12 o’clock today, just where is someone going to be able to offload their monster boxes of silver and would you really accept the nations fiat currency in that scenario?
 
there are advantages to buying silver, but it will not help you if the worst happens, it’s a moronic view point some silver holders have.
then again if it goes to 10 million quid per Oz we’re are all millionaires everyone is a winner. 
 
 
 

 
 

Anyone who states that silver will make a loss because of the premium and VAT is being, at best, disingenuous. No-one sells silver coins at spot. Look on any forum / dealer website or Ebay to see the actual selling prices of modern silver coins. Prices will fluctuate depending on the intrinsic value of the metal but there will always be a premium involved when buying any manufactured goods. The premium on silver is generally higher than on gold - meaning silver is not as reliant on spot price manipulation movement....
Imagine both gold and silver prices plummeted 50% tomorrow - the higher premium on silver coins would act as a buffer. The gold coins trading at spot would be worth half of what they are today.
Admittedly my attitude to gold/silver is based on a collector, rather than stacker, mentality. I never 'invest' in modern silver/gold coins unless i will actually enjoy owning them. Making an (eventual) profit is the aim but it's not my primary motivation... Knowing my luck i'll keel-over and my coins will get sold by family to a dealer for pennies with the resounding epitaph of 'there's no demand for that sort of stuff these days'......
 

....and those magic beans could become a giant plant that enables you to climb to the top and reach those golden eggs ! 🤗
But I wouldn't say to people to go all in on the magic beans ! 😁

If this was the magic bean forum I'd be saying be wary of buying magic beans. 
 
 
 

Just treat it as a hobby and learn the market you are operating in. My monthly money I allocated to PM's is very low and I am not currently buying but that Money does go somewhere and will end up as silver or gold (depending on what is best value at the time). Also please make up your own mind, don't flip so easy, this means ignoring you tubers and faceless forum posts (including me). People generally tend to be bias towards their own bags.

I started my stacking journey around 18 months ago by stacking Silver - 1, 2 or 3 coins at a time - whatever I could afford as a client paid an invoice - to use as a way of saving that meant I couldn't just use it to make a spur of the moment purchase, as turning it back in to cash would take some time & effort.
Not ideal, but that was all the available funds I had - as time has gone by and my business has picked up, I've been lucky enough to afford some Gold too, but the fact that I managed to fill a tube of Silver Brits blew me away - just a few years ago, the thought that I would be able to 'save' around £600 was unthinkable...
We all had to start somewhere (Even @Paul & @James32 😅) - and IMHO, a handful of Silver 1oz coins / bars is better than a handful of nothing... 😏
We can all offer advice to help you make the most of your available funds, but at the end of it all - you do you 👍

Most people here like silver...
But most people here don't like VAT...
Also % premiums are higher on silver, even ex VAT.

The 2x999 coins i bought are both 1/4oz.
I understand that the smaller i buy, the higher the premium. But thats due to personal finances. Maybe i should save more rather than the little and often approach. But when it comes to selling, arnt the smaller weights an easier sell?
I would have thought the average person with average earnings would struggle with buying 1oz coins/bars in a single hit even if the premium is lower.
Thanks for showing me that you are cheaper than BBP. That is something else ive not done, comparing prices.

Yep, ok point taken.
I'll buy a hand full of silver britts a year and concentrate on the gold👍
Just reading through the thread you linked to. An interesting read.

Its all down to personal choice you know and what you like, yeah we all know for investment, gold is so much better than silver but a lot of members on here love silver also, including me... I dont worry about silver that i buy as long as im happy with the price myself i will get it if i want it and have the funds to cover it..
A lot of members will keep bleating about silver Brits being CGT free etc etc but to have to pay CGT on silver you must have been selling a vault load of it unless you bought it 20 years ago..
so for a new invester/stacker for example buying 1oz non-CGT silver coins/bars at lets just say £20.00 each and selling it for £23.00 each you would need to sell 4100 coins/bars to just hit the personal threshold for paying CGT.
So in essence you would be selling £94k worth of silver to hit that threshold. So worrying about CGT free silver is not really on my agenda because my boat sank with all of my silver in it.. 
I buy silver and gold but i like silver and all the designs that come with it, it just needs a bit more care and attention and research into what you are getting yourself into... and of course you can get more for you buck if your budget is low.
Other members slate silver but seriously dont worry about it, its their opinion and always respected and if we all loved the same thing we'd never get what we were after as @James32 has more helpers than santa when listing are put on here... 
The forum is great for finding your path though no matter which way you turn....
Follow the yellow brick road!!!!!! 

Someone explained it already.

I went through the whole scenario of a low budget buyer in details here:
Values are probably slightly off as that was 3 months ago, concepts don't change though.
I did all in Excel, feel free to have a look for yourself with the attached file, all you have to do is input the gold and silver values up top, then navigate a dealer's page and input the current sale prices. Premiums might have changed a bit, but they are more or less in the same range. Or make it even easier and navigate through Chards' website, it's got details for premium on each coin: https://www.chards.co.uk/2022-gold-sovereign-uncirculated-coin/15066 have a nose and see what you like.
Lest we forget, in the end, do whatever make sense to you, if you prefer 1/4oz to a Sovereign, dude, go to town. Do you really like Silver? Go for it. However, if your interest is lower premiums and you can't afford 1oz gold coins, go for the Sovereign.
Gold premiums.xlsx

The 2x999 coins i bought are both 1/4oz.
I understand that the smaller i buy, the higher the premium. But thats due to personal finances. Maybe i should save more rather than the little and often approach. But when it comes to selling, arnt the smaller weights an easier sell?
I would have thought the average person with average earnings would struggle with buying 1oz coins/bars in a single hit even if the premium is lower.
Thanks for showing me that you are cheaper than BBP. That is something else ive not done, comparing prices.

I guess these "Thats my lot in gold + 30 2021/22 1 0z brits." are silver, not gold or platinum, but...
... Now you're trying to get me to do all the hard work.
You could look up the gold price for the relevant days. There are lots of gold price sites online, but ours is here:
https://www.chards.co.uk/gold-price/gold-spot-price
From that you should be able to work out what percentage premium you were paying.
It is more relevant though, to know the spot gold price at the time you dealt, which is difficult in retrospect.
Another way would be to show the linke here to the sites/pages you bought from, then I am sure you will get (mainly) helpful comments.
The best sites, IMO, and I am slightly biased, but with good reason, show you the percentage premiums to make comparison easier.
I / we don't advise small sizes for investment, but here for example:
https://www.chards.co.uk/2022-gold-double-sovereign-uncirculated-coin/15698
You can see:
Quantity Premium % Price Per Item Total Est UK Delivery 1 4.5 £700.28 £700.28 £6.00 2 4.4 £699.61 £1,399.22 £6.00 5 4.1 £697.59 £3,487.95 £8.00 15 3.9 £696.25 £10,443.75 £12.00 30 3.7 £694.91 £20,847.30 £19.00 75 3.65 £694.58 £52,093.50 £45.00 150 3.5 £693.57 £104,035.50 £95.60 300+ 3.4 £692.90 £207,870.00 £164.60 So everything is easy and transparent.
There is also 
Price Comparison Against Other UK Bullion Dealers - Updated at 20-Jul-2022 16:00
Qty Chards (Excl Delivery) Chards (Inc Delivery) B* G* RM UKB 1 £701.37 £707.37 OOS OOS £727.18 £725.46 2 £700.70 £703.70 OOS OOS £723.67 £724.73 5 £698.69 £700.29 OOS OOS £720.36 £724.01 15 £697.35 £698.15 OOS OOS £718.38 £723.28 30 £696.00 £696.63 OOS OOS £716.65 £721.11 75 £695.67 £696.27 OOS OOS £714.48 £719.65 150 £694.66 £695.30 OOS OOS OOS £719.29 300 £693.99 £694.54 OOS OOS OOS £718.93 To make it even easier still.
Obviously, if you buy privately, perhaps from other TSF members, you should try to buy at better premiums / prices than above.
🙂

Thanks for showing me that. I cant decide if im happy or sad about that lol.
I just bought yesterday so going to be a while before i buy again. But brilliant to know theres cheaper than going full retail about
Thanks again 👍

Prototype 

Bargains to be had here on the forum here from the right sellers,once you've found your feet