Currently my strategy has been to buy silver and gold at the lowest premium I can find and some members on here have been very helpful. In my mind the premium above spot was like a fee. Because of the desire to only pay a few % above premium I have avoided certain types of form factors. An example - low premium 1 oz silver coins seem to sell for a premium of around 15% on this forum. Now my view is starting to change - if everyone sells for 15% above spot for the 1 oz silver coin and you can charge that when you resell, then it's not really a premium. My other observation is that gold coins have a lower % premium than silver. I'm assuming the bullion premium is more about cost of manufacture and therefore a fixed cost not a percentage cost. So then the question is: What premiums should I aim for with bullion of different form factors, metals and sizes? Maybe I should call it a 'safe premium'. Thanks in advance!