Which would you prefer? At current spot you can get around 120oz Silver from Perth mint for $5k http://www.perthmintbullion.com/au/View-All-Bullion.aspx Same price gets Royal Silver Club membership which advertises a return of between 11-30%. Over 2 years you will receive 24x 1 oz rounds from them and after that period you get your initial investment returned in full. There are other options of purchasing coins at a discount, allowing for re-sale and improving your ROI. Limited to 400 memberships of which 232 are still available. http://www.royalsilver.com/retailstore/ There appears to be a bit of value to the Royal Silver membership and I am almost pulling the trigger, however it has not been very successful (IMO) at selling these memberships. I know there are a few members on here with the memberships and i want to know peoples concerns or other about joining this program.