I did up the spread sheet using the spot of an ounce saving up for the ounce will take a wile , as of today and that would be consistent as spot goes up and down (more or less) the best deal is a gold bar = $28.76 over (as a base line) Figuring what I can afford fast is a 2.5 gram = $184.08 over 5 grams = $115.53 over coins from RCM or China in the range of 1/10 or 1/20 that I can afford now = $210 to $426 over Any way you get the picture Logic tells me , till gold goes up $200 let alone $425 those amounts above spot could represent an amount a person is willing to pay for what ultimately = 1 oz so saving up to get the ounce equals a window from $180 to $425 that gold could go up compared to buying fractional weights But if impatience is the guide , is $184 over spot as a compromise acceptable and if such is the acceptance is a 1/10 Gold coin from RCM or a small panda the safest choice since Numismatic value has a factor BTW I feel uneasy over the pandas with out the fitness listings . Ironically they may some day have extra value do to odd reasoning It surprises me with all the controversy of fakes . They produced it this way it's almost like there being obtusest about the event fakes ? So what you think save up for lowest over or just get some fractal's and be glad to have it as fractals are a bit more liquid due to lower selling price.