/biz/ - Business & Finance

>>51568461
While it's fun to have chunks physical silver, from a consuming and collecting without actually spending money perspective gold is just much more attractive (In VAT-regions).
A decent gold bullion-coin will be less than 3% over spot, so your loss if you unexpectedly need the money for something else is minimal, with silver coins you're often dealing with almost 30% including VAT in Europe, cumbersome if the loss on selling is supposed to be minimized (ebay etc.)
This creates the scenario of gold being an alternative to a bank-account with little drawback if selling can't be avoided for unforeseen reasons, silver and platinum on the other hand only works as long-term investment with money you know you definitely won't need anytime soon.
Personal platinum, gold, silver ratio less than 0,25:1:20 the vat just hurts when buying, it would otherwise likely be closer to 1:1:50 or even 100