A buying guide designed for larger physical-metal purchases. Start with how premiums, metal formats, fees and delivery actually work.
100 oz silver bars · 500-coin boxes · 10 oz and kilo gold · dealer quantity tiers
Bullion products can hold the same fine-metal weight while commanding different fabrication premiums and resale bids. Bars prioritize weight-efficient packaging; popular sovereign coins may offer familiar design and wider retail recognition; generic rounds can be an economical silver format. Compare the actual dealer ask and a realistic buyback indication for the same product before choosing.
Test the numbers →A quantity break usually means a different per-unit price at a stated threshold, not a universally guaranteed wholesale rate. Compare the same SKU at 1, 10, 20, 100 or box quantities if the dealer publishes those tiers. Remember that larger total orders can change insurance or fulfillment handling.
Test the numbers →Some dealers distinguish wire/check prices from card or cryptocurrency pricing. Before comparing one merchant’s wire quote with another’s card quote, model both in the same payment method. If you cannot fund by the required deadline, an apparent discount may not apply.
Test the numbers →Before initiating payment, confirm price-lock timing and cancellation terms; verify the merchant identity independently; ask about insured shipping and adult signature; clarify restrictions for business versus residential delivery; understand claims procedures for missing shipments; and check buyback policies. Keep written receipts and product details.
Test the numbers →Premium per fine troy ounce is delivered cost divided by total fine troy ounces, minus the relevant spot quote. Premium percent is that amount divided by spot multiplied by 100. This compares a complete order to its melt-value reference and does not represent expected profit.
Test the numbers →A product with a low purchase premium is not always easiest to liquidate. Estimate shipping or handling costs when selling, product authentication requirements, dealer bid spread and the ability to split a large holding into smaller transactions. High-volume purchases deserve an exit checklist.
Test the numbers →