I REGRET Stacking THIS Fractional GOLD...

Ajouté : 2026-06-07

[00:00:00]I stacked gold the wrong way, and I'd be lying if I said I didn't have just a little bit of regret as to what pieces I've chosen to purchase along my stacking journey. Of course, no matter what, it's a good thing that I stacked gold in the first place, but if I could go back, I wouldn't do it the same way.

[00:00:16]I'm very happy with what I have and the accomplishments I've made as a gold stacker, but when I look at the various pieces I have acquired, I feel a bit conflicted, which is a little surprising considering the fact that if I were to stack a mass-produced gold bullion only, my stack would actually be worth quite a bit less. And that's because there wouldn't be any numismatic value if I stacked strictly regular bullion. But despite the additional value the rarity of my pieces continue to provide over time, whenever I think about the selling end of the equation, I feel a little bit of stress. And just to preface everything, what we're going to talk about today isn't specifically focused on gold only or limited mintage Perth Mint pieces. Rather, instead, we're going to focus on the benefits of buying semi-numismatic bullion over mass-produced coinage, but also the traps that it can set for you down the road. So, today, without further ado, we're going to talk about the ever-increasing numismatic value of my current gold stack and why I still wish I did it differently.

[00:01:19]Let's get into it.

[00:01:26]>> [music] >> If you guys enjoyed this video, please like and subscribe as we push hard for 10,000 subs. And if you guys could, please hype the video. I don't really know what that does. Maybe it helps the video in the YouTube algorithm. I'm personally just kind of excited and interested to see how high of a hype score I could get. I don't think I've ever gotten over like 15,000 hype points. So, if you guys could hype the video, that would be awesome. And let me preface this video by stating that none of this is financial advice. Do your own research and come to the best conclusions you can based upon what you find. And if you would like to add some silver or gold weight to your precious metals portfolio, be sure to check out the sponsor of today's video, Pinbex.

[00:02:12]They're an online metals dealer with low prices and secure shipping. So, if you'd like to add some silver or gold coins to your stack, check them out at pinbex.com. I must say that I got pretty lucky with almost all of my Perth Mint Lunar gold. I managed to avoid high premiums for almost all of these pieces.

[00:02:29]The Lunar Rabbit I paid a little bit of a higher premium for, but it was nothing too terribly crazy. But then, of course, there's the tiger, which actually did have a pretty hefty premium when I purchased it nearly 1 year ago. But all in all, I managed to do a pretty good job scalping most of these pieces by finding limited-time sales and simply buying them within weeks of them being released, which is something I plan to do again at the end of summer when Perth Mint releases the Year of the Goat. I'll be picking up the 5-oz silver and the 1/2-oz gold variants. And I feel this is an excellent thing to do for my stack each and every year, not only because Perth Mint Lunar pieces are beautiful and super fun to stack, but also because adding some growing numismatic value into the stack can act as a growth accelerator. And while some low-mintage pieces can explode in numismatic value in a somewhat short period of time, there are some caveats and conditions that have to be met to reap the benefits of this additional numismatic value. And these conditions that have to be met that we will cover later in the video are what gives me a bit of stress in regards to selling in the future. The spot value of gold is obviously very liquid just about everywhere you go. But the additional collector's value isn't always respected, and that's why, in my opinion, if you're primarily a stacker looking to preserve wealth, numismatic pieces should only be a portion of your stack, not 80% of it the way mine is.

[00:03:55]But first, before we get into all of that, let's examine some of these pieces that have grown rapidly in collectors value. I purchased all of these online and I'm going to read off what I paid for them, then I'm going to find the cheapest prices I can for each coin online and compare the premiums. And of course, online prices aren't the ultimate determining factor of a semi-numismatic coins value, but looking at these average prices across the board a pretty good general indicator of where collectors values are headed. My 1/4 oz Lunar Ox is one of my favorite pieces and checking back in my records shows that I paid $867 for it back in June of 2025. The total premium above spot was only about $35 according to the Kitco spot prices on the date of purchase. But now, with a current spot price of $4,456, when I go and check the same site with the same listing for the same exact coin, I see it listed for $1,264.

[00:04:53]Spot has risen quite a bit since I purchased this coin, but the premium has multiplied as well. The current premium over spot for this coin is $150.

[00:05:04]Premiums for this piece moving from 35 all the way to 150 in less than a year is a massive jump and I'm sure that you could find lower prices for this coin somewhere online, but in general in regards to pricing, time is on the side of popularity, rarity, and lack of new mintages. Now, let's take a look at the half oz Lunar Rabbit. I bought this back in December of 2024. It costed me $1,423 when spot price was around $2,687.

[00:05:33]And man, I really wish we could go back to those prices just one last time. Spot value for this half oz coin at the time was 1343, which means I paid a premium of about $80 over spot for this coin.

[00:05:48]Fast forward to today, the current spot prices put this 1/2 oz coin at a valuation of $2,230 before any numismatic value is added.

[00:05:58]The original site I bought this coin at currently doesn't have it in stock, so I'll have to go off the cheapest pricing I can find. This coin actually ended up being pretty difficult to find, and the places I did find it in stock had some pretty intense premiums attached. But, the cheapest I was able to find this piece was a listing price at around $2,391.

[00:06:19]Spot price has almost doubled since I bought this coin, and the premium has as well, with a $160 addition being added on top of the spot price of this golden rabbit. So, premiums for this specific piece went from 80 to 161.

[00:06:34]The raw scarcity of this coin's presence online leads me to the conclusion that as this beautiful piece lands in the hands of more and more long-term passionate stackers and collectors, the premiums on it will consistently rise.

[00:06:47]And lastly, let's take a look at my favorite gold piece of all, the 1/2 oz gold tiger. I bought this piece all the way back when spot price was $3,376, which made the gold value for a 1/2 oz coin $1,688, and the price I paid was $1,853. At the time, I thought the premium of $165 was brutal, but looking online, I can barely find this coin anywhere aside from eBay listings that have some insane prices. The cheapest listing I found was on a site that I haven't ever seen before, but the price was listed at $2,588, which is a whopping 358 bucks over spot at the time of filming.

[00:07:31]So, it's safe to say that the 165 I paid over spot a year ago was money well spent. And what's shocking about all of this is the fact that these coins were minted less than 6 years ago. when the Lunar Series 3 is fully released in 2030 and Series 4 begins the year after, there's no telling where numismatic valuations will land. You can already go online and purchase the full Lunar Series 2 in silver, and the prices for those are pretty high. But, both the Perth Mint and stacking precious metals in general exploded in popularity as Series 3 began in 2020. So, the value of scarcity in regards to the current Series 3, I feel very, very high in just a few more years considering how popular stacking has become. So, all of this sounds like a win-win situation. As time goes on, spot price rises, and so does the numismatic value of these low mintage pieces. But, there's one big problem. Sure, the gold value is liquid all day long. There's no debate over the spot price of gold whenever it comes time to sell. Whether you're offered spot or a few percentages back of spot is irrelevant. Any professional establishment will base their buy and sell spreads on the current spot price that day. However, we run into issues with liquidity when trying to profit from that additional numismatic value.

[00:08:48]Many dealers do not care a bit about mintage numbers of semi-numismatic pieces unless the coin or bar in question is a true collector's piece like a super low mintage pre-33 gold coin that's slabbed in MS70 condition or a super old, super rare ancient coin, dealers do not care about the new pretty designs coming out of the Perth Mint the way stackers and collectors do. At least, not usually. In order to get the full potential value out of pieces like this, you must find the right buyer, and that's much easier said than done.

[00:09:22]Whether you're selling peer-to-peer online, in person, or going to a coin show, there will usually be some additional steps involved in actually moving pieces like these into the hands of someone that values them just as much as you do. So, getting your money's worth out of these pieces can be a bit conditional at times. Liquidity is obviously very important, and getting as much money as you can for it is an even bigger deal if the piece that you're trying to sell holds a lot of sentimental value to you. When approaching stacking over the long term, it's important to acknowledge which purchases are emotional and which are logical. Of course, they're all worth spot price. Gold is gold and silver is silver, but it's important to keep in mind how liquid different pieces are, especially when some of them cost more than others when buying, even though they're the same exact weight. And this is why I somewhat regret stacking the pieces that I've stacked. Of course, I enjoy these pieces very much, but the honest truth is that if I was in a bind and I had to sell quickly, racking in a few extra Benjamins from collector's value may not be possible. Whenever I think about selling, I would much rather have a more regimented stack, and I've decided that after I finally complete my gold buffalo purchase, I'm going to take a break from all the Perth Mint pieces and focus strictly fractional eagles and fractional maples. And I've learned throughout my stacking journey that numismatic value has its place in every stack, but it's important that we strategize what percentage of our stacks are strictly bullion and what percentage of our stack carries an artistic premium, because the scenarios at which we sell are going to be quite a bit different. Stacking in itself is a practice of planning and preparation, but it's important to have a plan for when it's time to sell, as well. Let me know if you guys enjoyed this video. Did this perspective and what I've learned throughout my stacking journey help you at all with yours? Let me know down in the comments below. Stay safe out there.

[00:11:18]Keep stacking. Peace.