Fractional Gold Coins - Gold on a Budget 

People knock purchasing fractional gold, but I’ve been buying 1/10th AGEs’s every month for the last 3 1/2 years. I do that because that’s what I can afford. I say buy what’s in your budget. Something is better then nothing. I have a wife and 3 kids with all the bills normal people have. I do shop around, I look for the best prices, but like clockwork I buy. With that said, my financial life has changed, and I will be moving up the 1/2 oz very soon.

Our dollar is worth less and less every hour; at this rate, you'll still gain doing 1/10 oz coins in the long run when you look back at what you paid vs how much purchasing power dollar has lost. You really can't lose with gold in any amount IMHO; it's better to stack what you can afford regularly, even if you're "losing" via premium because that's better than having zero gold in a decade!

Great video, as a collector I literally want at least one sample of each gold coin. As a stacker, I’m screwed simply because of the price of one oz coins it just isn’t practical much less affordable. For a collector fractional gold coins are a God sent item, since I can’t afford to play with the big boys.

Love your channel. I’ve been stacking since March 2020. It’s been an amazing journey. Prior to stacking metals I couldn’t save any money. As fast as I earned it, it would disappear into frivolous purchases. That changed when I started buying silver. When I received my first shipment I was hooked. It felt like real money and after spending a good chunk of my paycheques on silver I’d have nothing much left over to buy much of anything else. After 2 months I was blown away when I had a few thousand saved up in silver. I then discovered your channel and switched my focus to an even amount of silver AND gold. Gold felt even more like real money and I appreciate how over the years gold has kept up with a steady upwards trend (more or less) and silver has only had a few spikes but remained relatively flat. Flash forward to now, I can’t believe when I look at my stack how much I’ve been able to achieve stacking (somewhere around 8 ounces in gold alone). My wife is even on board and she has her own mini stack of gold she’s building. I hold somewhere around the 50% gold, 25% silver, and 25% cash strategy. Perhaps I’m too heavy on gold and silver, but you know what, it’s better than having no savings at all, which is the path I was on prior to precious metals. The plan is to eventually liquidate some of the stack to buy property and develop it. As for your comments about fractional, I disagree. I have sold some gold to fund larger purchases and have always recouped my premiums. Now I should mention that I’ve only sold privately in Facebook groups or Craigslist, not to shops, but I’ve never lost out on premiums at all. The same actually goes for silver too. I typically just list mine 1.5-2% below the LCS’s price and they fly in no time. I do echo your sentiments about old European coins and 14kt coins. I barely get spot price for them and it takes much longer to sell. For that reason I don’t think I’ll ever stack them again. Lessons learned. Anyways, thanks for the great channel and sharing your experiences and advice. Will, from BC, Canada. PS. F Trudeau and Let’s go Brandon ;)

First!? I always view whatever I’m paying over actual spot as~ just cash I would’ve wasted anyway ~ if I’m forced to sell before it passes spot+premium~. I agree with your previous statements that keeping my buying on a monthly basis keeps it exciting and keeps me focused. It would be great to get an ounce per month..but I’d have to resort to less desirable activities for the kinda scratch needed to pull that level of buying off… So, fractional it is! Thanks for what you do

I use the rich dad poor dad philosophy, “pay yourself first”. I buy the gold, usually a little more than I’m comfortable with, & then find a way to make my monthly budget. It’s usually as simple as a few less nights out to eat each month, it’s good to put a little pressure on the monthly budget, & I’ve definitely had worse habits than gold & silver-

Fractional is what allows me to own gold. Buying a 1/10 or sometimes a 1/4 every month is very satisfying.

When I started my procurement of gold way back I was getting tenth Oz eagles for 160 and quarter Oz for 320 ..it takes time and patience but if you buy them rather than buying a full Oz you'll eventually be happy you have them rather than no gold at all.

Yes, buying fractional gold makes sense-even if it doesn’t. Agreed!

I do a bit of a variation of what you mentioned about buying a full ounce every 4 months. I only buy gold eagles and I'll buy a full ounce every 4 months and I'll buy a 1/10 ounce every 2 weeks. So far it's really helped me stack a lot of gold and the 1/10 ounce coins really keep me motivated as I see the tube get more and more full!

I really appreciated this video. I really did. I admit, I love buying fractional gold. I don't really know why; I just enjoy the smaller coins like the 1/4 oz, and also buying the 1/10. It just feels good when I buy them, like I own them, they do not own me. I know that makes no sense, but it does to me. Again, excellent video.

Interesting. My experience is similar. I was also into fractionals for past 5 years. I liked that I can buy gold for a few hundred bucks or spare cash, and I wasn't too focused on premium. I then sold when I bought a home last year. Despite the premiums, I calculated I had a respectable return. I had no issue selling fractionals to the local dealer. The only coin which I thought was interesting that the dealer did not want was a quarter ounce Mexico peso. But no issues on Krugerand, Roosters, Soveriegns, Swiss Franc and other totally random bullion fractionals I had. I'm back to restacking fractionals but I'm buying slow as the premiums are sort of crazy for now.

10 gram gold bars are effectively 1/3rd of an oz and an option to consider versus 1/4oz Gold Eagle or Maple Leafs

Even if you put aside as little as $100 a week, you’ll still wind up with more than 2 ounces of Gold every year. I generally am able to stack 2 or even 3 ounces of Gold every year, and it’s not overly stressful on my budget.

I started out with silver rounds a while back and then switched over to 1/10th oz gold eagles. I wanted to be able to buy gold regularly and 1/10th oz was all I could afford, and the way I saw it, a little gold with a higher premium is better than no gold. I knew that if I'd try to save up for larger coins I probably wouldn't end up getting them in the end. Buying regularly helps keep the motivation alive, rather than buying a 1 oz coin once or twice a year. At first I was a bit turned off by how small the 1/10th oz coins are, but now that's something I love about them. They are very easy to store and conceal. And I also love the fact that it's easy to know exactly how much you have. E.g. if you have 12 coins, that's 1.2 ounces and you just multiply the spot price by 1.2. I also later discovered that you can indeed get over spot for them if you sell them. I have a local place that pays 3% over spot for the 1/10th oz eagles, and I've seen places online that pay as much as 9% over spot for them. So, even though you pay a higher premium for them, you can get some of it back when you sell if you find the right place to sell them to.

I paid the premiums for fractional for a while myself. It was probably as satisfying for me as it was for you. That and old gold made me happy and ultimately, when the price went up, the premiums for any of these didn't mean much anymore. Thanks!

Right now, the only reasons I'd buy fractional gold are 1) I feel like the price is rising so fast I have to jump on the train, or 2) I think the economy's going to tank, so I need lower denominations for a currency substitute.

For me i love the fractional Gold because I'm not worried about the price's today. But more so the value in the future. 10-20 year's from now.

I never sell fractional to a dealer. Locally everyone will give me back my premium or even more depending how current prices are. It’s also much easier to sell fractional locally compared to a full ounce.

Fractional because cheaper and won't mess you up. Once in a while I found circulated fractional at 5% over spot and thats a steal

Only 1 fractional coin. The rest is 1 oz bouillon Your video’s have opened my eyes and a new strategy has developed

Hello 👋👋 I love Fractional bars, as a matter of fact I buy 11 Month Fractional bars then the 12 month I buy Big bar I also believe investment in Foreign Currencies 😊

I love fractional gold! I had a lot of small gold pesos but a RU-vidr broke down the math/$$$ that in the long run, it’s smarter to buy the 1oz so I’m saving up for a 1oz age this year.

I know it's a gold channel but would love to hear more about your knives, your collection of card decks, favorite book that you've been using as a frame filler for the shots. Maybe just a one off about those things and the reason for the interest in them, and your interest in poker. To learn more about you without giving any seriously persona info away.

I personally don't worry about the premiums . I do shop around. I do have some fractional gold and silver for different bartering . Primarily my stacking is for the long term so I'm not selling some is getting passed down to my two kids and possibly get my grandkids into it. Right now there under 4 so it will be awhile before they would understand it.

I love 1/4oz gold American Eagles because of the size, popularity for selling, and price point which is approximately the same as a tube of Silver Eagles. I thought they were about the right "cost" when I started buying them - paid about $300 each - and thought they would be easier to sell. I've sold a few of them on eBay over the years when prices spiked and they sell way above spot and sell very quickly.

Lovely stuff. Great advice, lovely tone and well thought-out and reasoned. Thanks!

I agree with ya, I am all about the full ounce and the 1/4 oz., just depends on timing and monthly going ons! I haven't done the 1/10 route, but I do have a few 1/2 oz AGE too. Buy what you can!

I haven't even bought any yet but am learning a ton from channels like this one. Thanks 2 is 1. Anyway, one of the things that appeals to me regarding fractionals is the flexibility when selling. If I need to part with some of it I don't want to have to sell more than I need to just because all I have is 1 oz. coins because I was trying to save on premiums which in the grander scheme of things later will likely seem pretty insignificant IMHO. Even though the silver is more likely to be used for my purchases (barter) depending on values of each in the future I may opt to part with a small amount of gold instead of the silver. I'm thinking a bit of diversification in denominations is probably wise with both gold and silver. Larger items for saving (wealth preservation) and smaller ones for actual purchasing/bartering and liquidating as needed.

How fun was that?! Always love the little quips after statements like "not judging." Nice to see the French Rooster out of the coop!

i'm definitely not in a selling mood. i like historical and fractional cause its fun, interesting and affordable. also i'm a little impatient. lol so this video spoke to me on many levels. i like that rooster. it's neat. great vid, fun subject and thoughts. :)

The main reason to buy fractional is to have more tiny shinys to clink together 😤

Fractional will always put you in a dilemma but if it keeps your interest it may be the way to go. Buying gold can be a collectors sport where reward outweighs the financial blood sweat and tears regardless of the premium or dollar amount.

I’m such a creature of habit and miss the old intro music. Great video as always!

I love all the fractional I bought in 2019/2020. LOL. Not going to lie. I really like a rooster. Need to pick a few of those up. Imho, The reason a higher gold price causes the large coins to move around is because the big stacks at the table are moving around, which is the actual cause of the higher price. Capital pool allocation changes.

I think if you can buy fractional in series like the Queens beasts , it's all good .. looking at prices now from early when they started .. some bullion dealers are selling for near double what they cost to start with... but obviously that won't work with Britannia's, Eagles and any mainstream bullion .. unless somebodies missing a coin for a date run... great content ... keep up the good work

I like the fractionals because it seems like there is a lot more variety.

I'm starting to like the 1/2 oz. AGE

With fractional you can better catch each dip in price... can gain more than you lose with higer premium..

I’m not really into fractional gold just because of the higher premiums. I’ll always hold off to buy an ounce at a time. I know some people can’t do that so I really wouldn’t go any less than a 1/4 ounce. Buying some pre 33 is fun sometimes as well.

I prefer half-ounce gold, in the form of Eagles, Pandas, and just a few Krugerrands. Started buying them in the early 90s but quit buying when the price of gold started going up. Wanting to get back into buying some more, but now I'm retired and don't have as much disposable income.

Fractional helps cure fomo by allowing you to keep purchasing every month even when the prices going up it's got nothing to do with lack of patience or the inability to save up for a full ounce coin

I found two and maybe more reasons down the line to buy 1/10 oz of gold because it is liquid and eventually trade it for a 1oz gold.

would love to see a video on the Britannia and sovereign coins if you've got them. in particular, a 1/4oz britannia vs a full 22k soverign which around 1/4oz fine gold

Help a newbie understand fractional!! The premiums on fractional metals are so high. Why would you want to purchase fractional instead of saving the cash until you can purchase a 1oz coin/bar? (10) 1/10oz coins will cost you significantly more than a 1oz of the same coin.

I collect both silver and gold but favour gold now and in my opinion whatever I spend is money not in the corrupt banks .. whatever happens, these assets are held by you and will always be worth something no matter what .. the world is heading for a big change so get what you can ........

Saving up for a whole ounce was a long slog for me and I was more than tempted on many occasions to go fractional. The price of gold felt like it was running away from me. I opted to stay the course and work toward that first full ounce. The feeling of accomplishment was worth it! I suppose fractional coins can get you on a schedule and build a habit while also giving you a "quick hit" of a coin in hand. The temptation for a non-US fractional is scratching at me again but I think I'm going to cool my jets. It would be fun to get but it won't be as amazing as that first full ounce.

I could really use your help. To convince people to buy gold

Im from Germany and we went from an ID free buying limit of 20.000€ down to 2.000€..which is basically one ounce without showing ID or filling out any forms while buying/selling. So it might not be such a bad idea sticking to fractional coins cause we dont know if they will lower the limit of anonymous gold buys/sells in the future.. Rather pay higher premiums than future taxes to the government or anyone who´s then involved in the trading process.

Sovereigns are a great buy for the UK, CGT exemption, still gold but not 99.9% so not as fragile, and affordable for most. Good for if you don't have the discipline to save for a 1oz, but still a great buy.

Awesome video! I look forward to your content more than any other channel on RU-vid. Slow and steady wins the race. Regular purchases of savings, M1, Fundrise, et al and gooooold …..of any size. 🤣 But I must admit, I’m hoping to grab a little extra as the prices drop.

I can’t tell you why I bought some fractional. For the unknown? It was just part of my plan. 3 ounces of fractional, 2 1/2 oz, 4 1/4 oz and 10 1/10th oz. not going to lie it was painful on the 1/10 oz, I went with the cheapest I could buy. I think mine say Wal-Mart on them.,.,kidding but I did buy the 1/4 and 1/10 from the Austrian mint. As a new stacker, I’ve got this thing in my head that I want only the 24 ct gold. So that is what I Stack. Mostly buffaloes or maples. But there is no comparison in quality, the maples look so much nicer than the buffaloes to me. But I have to remind myself why I am buying and looks don’t matter.....why am I buying?...good content as always

Always love the content! Also love the sovereign cards I have the white and the blue. I’d like to see a video on your knives as well. All the best from the 🇬🇧

great video anytime the francs come out to play

Your beautiful gold video is gonna make me recklessly buy a Mexican 50 pesos. Your killing me. 👍

Love the inlay on that Mnandi! I just started following you. But if you haven’t done a knife collection video. I’d love to hear about that!

I buy fractional for my kids and grandkids for birthdays and Christmas, 1 oz'ers for me

Great book you selected for the background.

saw that two .5 oz Perth Mint lunar tigers was actually less than one 1 oz Perth Mint lunar tiger so that was an easy decision. will continue to do that if that opportunity comes again.

I am glad I have the patience to get the 1 oz coins. Worth the wait IMO. To me, the spread on the gold, spot to premium price, is harder to cover. Gold would have to make some big moves to cover the premiums. Silver, on the other hand, is a PM that it is easier to cover the spread, when needing to sell. $2-$4 is a lot easier to make up on silver than the $50 to $100 on gold.

Excellent video. You have to buy gold within our budget. I like quarter ounce gold coins. They fit within my budget quite well.

That box elder mnandi is nice!🍻

I think about selling when I am buying. Whole ounces are fine, but fractionals are a smarter idea. I don't sell to LCS because they want to screw sellers. Spot or less. So IF I needed to sell 2,3,5 ounces of gold, which is easier for the working man to afford? A $500 quarter ounce coin, or a $2000 ounce of gold? You might say "well that's a lot of hassle", and you may be right. But I expect to get the full value of my stuff, not give it away. In a 1 hour driving radius of me, there are no good LCS's that I would deal with. Low buy offers and premiums higher than online. So selling/buying private is a better route. Old coins, bullion and bullion coins tend to sell higher privately here too, then online. Auctions here are nuts.

My favorites in order are 1/2 oz, full oz and then 1/4oz

Another great video sir..I still enjoy fractional and have yet to pick up a 1 oz ..1/10..1/4 and 1/2 in eagles..maples..brittania..philharmonics.. I'm sure I will get 1oz eventually..Take Care..

I like fractional GOLD. One it's the only GOLD I can afford. Two it's easier to sell. The 3rd reason if we ever have a time you need it to buy things with it just makes it easier then just having 1oz GOLD coins.The lowest fractional GOLD I buy are 1/10oz. I do have some 2.5 gram fractional GOLD bars a couple that are a little less.I picked them up when I first started stacking. They were on sale. If I would have to use my gold to bother with would take change in silver.All in all if that time ever came about fractional GOLD and SILVER would be the best precious metals to have. I do not buy fractional silver. I stick to 1oz SILVER coins and 5 and 10oz SILVER bars. Over the past year and a half I really upped my GOLD buying and focused more on SILVER rounds. The premiums on SILVER coin are just to high. I tried to keep my ratio one ounce of GOLD to every hundred ounces of SILVER. I will buy SILVER coins when on sale and if they are a few cents over a BUFFALO ROUND. When I do buy SILVER ROUNDS they will only be BUFFALO ROUNDS now.I do have 20 to 40oz of different kinds of SILVER ROUNDS. When I buy SILVER of any kind I always get at least a tube worth. So that mostly 20 unless you are buying MAPLE LEAFS. 🍁. But since I can't afford a whole tube at a time I started putting them in smaller tubes of 20.l do have two tubes of MAPLE LEAFS that hold 25.Then again I did that when I first started stacking. I always watch your videos. Great content. 👍

A full ounce of gold would represent more than 5% of my investment portfolio, which I'm not comfortable doing.

I’m sitting on quite a bunch of 1/10 oz coins. But for the last two years, it has been 1 oz coins only. As for old European gold, I don’t stack that. I’m busy enough with collecting regular bullion. If I would, it would probably be the Swiss Vreneli. Greetings 🖖

Like you I prefer I oz. but sometimes do not have the cash, so I have two one oz. (Buffalo and Eagle) one 1/2 oz. Eagle, one 1/2 Walking Liberty and one 1/4 oz. Eagle. I won't buy any smaller due to high premium. My preference is always Buffalo or best deal I can get on US gold.

I stack purely for my own amusement. If it's within my means I'll buy it. I only care about receiving what I payed for so I only buy insured online.

Trying to do 1/4 each month. If I can't I'll drop down to 1/10. Thank you for sharing.

I picked up a BU Swiss Miss last Saturday for 364. That’s 10$over spot. I feel I did good on that one as I’m sure I’ll never get better than 90% spot when I sell to a LCS. That being said. A private party sale while not ideal isn’t out of my wheelhouse, so I don’t feel bad about a random purchase from time to time. My next purchase will definitely be a 1/4oz eagle so back to the core plan friend. As always keep ‘‘em coming 2/1. You are appreciated!!!

For me fractional works just because it's what I can easily afford, if I was to try and stash the cash something would come up and I wouldn't be able to buy, so When the cash is there I buy and then hold. I mean my wife can smell it if I have 500 in cash and she will find an emergency. But with gold and silver she just kinda glazes over and forgets about it.

Basic rule: 1 ozt of gold is better than fractional because of premiums but fractional gold is better than none.

Good show. I like fractional but trying to keep premiums down now

Great video. You are easy to listen to.

If the ¼oz price creeps up further to where it gets into the $600 territory maybe I will go to 1/10oz for awhile and try and space purchases to every other week. At least you can be just under ¼oz per month pace. If you buy today (Thursday) you can get 3 tenth oz purchases in this month. As I have mentioned before, I can't wait on an 1oz. I do like the visual of a variety of sizes when you open up, in my case, a Pelican box of gold.

I like the old gold, but I admit, the 1/4oz Eagles are MUCH easier to liquidate. I stack both. There is a little paranoia in my head about confiscation, so I feel the old gold is less apt to be on the chopping block from an overzealous government due to is "collectable" status.

sure premiums are crazy but it's the future coin that people will be able to afford therfore making them even more liquid than they are now.

What I like to do is buy at the minimum Three 1 oz gold coins every year usually I get a gold buffalo a gold maple and a gold Britannia and maybe I'll get a 1 oz gold kangaroo Krugerrand or eagle to go along with them but I love fractional gold because if I have ever have to use gold for bartering 1/10th oz coins are perfect for that and if I need a quick $500 I can take a 1/4 oz coin to my LCS and sell it also my LCS will knockdown the premium on fractional gold if you trade in silver for it which is another nice incentive

I just bought my first gold buffalo...

Nice video...excellent perspective

I still like fractionals...thanks for the content....

Just bought 1/2 oz eagle today. Normally I don’t buy fractional but with the price increase this is me trying to be conservative and see if it goes back down. Can totally relate to who wants to wait to buy....

I mostly like proof fractional gold eagles. I figure they are fairly liquid and if I never sell them, at least I have some nice looking golf coins. Trouble is I never get to touch/hold them because they are always going to be in capsules 😂 unlike BU coins that I can handle.

2022 sovereign are selling at 6% in the UK

I think in the long run the premium doesn’t matter… I bought a 2 gold pesos in 2019 for 70$. Maybe the premium was high but right now if I sell it it’s over 125$, I think I can recover the premium then…

The Count of Monte Cristo. I love not-so-subliminal messages! They inspire me.

I'm always out to find a better deal...so I feel like if I buy an oz and the price drops tomorrow morning, ouch. But if I buy a quarter and the price drops tomorrow morning, oh well. Quarters also don't hit the bank account too bad (about the same as another gun, lol) and can slide under the radar easier.

500$ is a semi reasonable impulse buy for me, 2k is a major purchase. I think this is not uncommon. Shame bars and metric are shunned in merica 10g is a great size

Mnandi bogg oak gorgeous

Appreciate your input

I bought a coin storage box and they put in like 10 27mm capsules as a gift. I only stack 1oz Britannia. But 27mm is the size of the 1/2 Britannia, so.. here I am aiming to fill those capsules up now..

Can you talk about gold bars and other gold weights

I am really bad at math..can you please make a video explaining how to calculate percentages on premiums for fractional gold ?

What I have personally learned about fractional gold is that the premiums are so high. That it’s worth it to just save up for a full oz.

I'll be in the fema camper for up to 15 months with no rent, no electric ,water, gas bills. I may end up enjoying this place after all. 🥇🥈🥉

Hello 👋 I love ❤ fractional Gold bars.

Premiums are much lower on European 19th and early 20th century gold coins. I guess because they are either .900 or .917 fine they are discounted but I like the smaller sizes and the ease of recognition (at least for me). I have bought these coins for premiums ranging from 2% to 5% although they have been increasing lately.

“In the long run we’re all dead”- John Maynard Keynes