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All-in-or-nothing · 2024-11-23T16:19:52.862177Z

Zeit der Geschenke - Geburtstage, Weihnachten usw. - aber bitte keinen Schrott! Hallo liebe Quinies, aus gegebenem Anlass verfasse ich heute mal einen kurzen Post abseits von dem, was von meiner Seite noch in der Pipeline ist. Unser Großer ist am Montag 3 Jahre alt geworden und von Oma und Opa gibt es traditionell physisches Edelmetall $965515 $965310 … soweit so gut. Von Opas Seite ist bei dem Thema auch soweit alles klar, gibt entweder Anlagegold in kleinen Stückelungen oder Silber in ganzen Unzen (natürlich immer viel zu teuer eingekauft in Sammelalben von MDM, Bayerisches Münzkontor usw.🙄). Nicht meine Kohle von daher so what🤷🏼♂️. Problem: Oma kauft leider ausschließlich nach Optik der Sammlungen nicht wirklich mit Plan von Edelmetallen… heißt wir bekommen sowas hier: Die Motive sind natürlich hübsch anzusehen, aber was soll man denn bitte mit 6 x 9,2g 333/1000 Silber anfangen🤦🏼♂️. Das sind ca. 18,38g Feinsilber… also ne gute halbe Unze. Den Preis dafür möchte ich ehrlich gesagt gar nicht erst wissen… Was tue ich also? Immer wenn ein solches (ausschließlich hübsches Sammelalbum) bei uns eintrudelt, muss ich Fotos machen, bei eBay einstellen und an irgendwen, für einen halbwegs lächerlichen Preis (da ja fast kein Edelmetall drin ist) verkaufen und versenden. Warum? Weil es zur Anlage eben nicht taugt, ich keine Lust habe noch 30 weiterer solcher Alben irgendwo halbwegs sicher lagern zu müssen und weil ich denke, dass das, was ich an Kohle aus dem Verkauf bekomme in Juniors ETF-Sparplan besser aufgehoben ist. Was will ich euch damit sagen? Wenn ihr physisches Edelmetall (Gold, Silber, Platin, was auch immer) verschenken wollt, achtet bitte, bitte auf Anlage-Qualität🙏🏻 (Feingehalt 999,9 bei Gold/Silber oder 999,5 bei Platin). Kauft lieber vermeintlich „kleinere Präsente“ (ein 1g Goldbarren in 999/1000 ist wirklich winzig😅), die dafür einen echten Wert haben und werthaltig sind. Bei kleinen Geschenkbarren und kleinen Anlagemünzstückelungen zahlt ihr effektiv zwar immer noch deutlich drauf gegenüber dem reinen Goldwert, aber ihr schenkt damit etwas Vernünftiges! Anlagemünzen solltet ihr aber nichtsdestotrotz nicht kleiner als 1/20 Unze gestückelt kaufen, danach werden die Preisaufschläge mehr als absurd und es sieht auch nicht mehr toll aus😉. In diesem Sinne: Fröhliches Schenken und Beschenkt werden (der Wahnsinn geht ja bald wieder los). Greetz, Marcus✌🏻

All-in-or-nothing

@All-in-or-nothing

1Mo·

Time for presents - birthdays, Christmas etc. - but no junk, please!

Hello dear Quinies,

on this occasion, I'm writing a short post today away from what's still in the pipeline from my side.

Our big boy turned 3 on Monday and grandma and grandpa traditionally give him physical precious metal $965515 (+0,5 %)
$965310 (-0,29 %) ... so far so good.

From grandpa's side, everything is also clear on the subject so far, there is either investment gold in small denominations or silver in whole ounces (of course always bought far too expensively in collection albums from MDM, Bayerisches Münzkontor etc.🙄). Not my money so what🤷🏼‍♂️.

Problem: Grandma unfortunately only buys according to the look of the collections, not really with a plan for precious metals... which means we get something like this here:

The motifs are of course pretty to look at, but what are you supposed to do with 6 x 9.2g 333/1000 silver anfangen🤦🏼‍♂️. That's about 18.38g of fine silver... a good half ounce. To be honest, I don't even want to know the price...

So what do I do?

Whenever one of these (exclusively pretty scrapbooks) arrives, I have to take photos, post them on eBay, sell them to someone for a halfway ridiculous price (since there's almost no precious metal in them) and send them off.

Why?

Because it's no good as an investment, I don't want to have to store 30 more of these albums somewhere halfway safe and because I think that the money I get from the sale is better off in Junior's ETF savings plan.

What am I trying to tell you?

If you want to give physical precious metal (gold, silver, platinum, whatever) as a gift, please, please pay attention to investment-Qualität🙏🏻 (purity 999.9 for gold/silver or 999.5 for platinum).

It is better to buy supposedly "smaller gifts" (a 1g gold bar in 999/1000 is really tiny😅) that have a real value and retain their value. With small gift bars and small bullion coin denominations, you are effectively still paying a lot more than the pure gold value, but you are giving a sensible gift! Nevertheless, you should not buy bullion coins in denominations smaller than 1/20 ounce, after that the price premiums become more than absurd and it doesn't look great either😉.

With this in mind: Happy giving and receiving (the madness is about to start again).

Greetings, Marcus✌🏻

8 Commentaires

Artiskon@Artiskon

1Mo

I don't give a damn about that kind of bang either.
I'd rather put down a few nice Britannias or Maple Leafs :)

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All-in-or-nothing@All-in-or-nothing

1Mo

@Artiskon For me, Sovereign and Rand, as they are close to/quasi at spot price without significant premiums😉.

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Uwe@SchlaubiSchlumpf

1Mo

Haha I have a collection of coins from my father. Before that from my grandfather. Went through hands. They're also all worth nothing. But at least most of them were actually in circulation.
I was very interested in the MDM stuff at the time, only to realize that, as far as I understand it correctly, the things are hardly worth more than the melt value, which is just below the purchase price of bankable coins.
That's why I separate fun from investment. While the inherited collection contains coins such as 1921 emergency money, which is usually not worth much, but is a piece of history, I actually mainly collect €2 collector coins that I (or my girlfriend) get at the till.

Gold would be investment coins/ $EWG2

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All-in-or-nothing@All-in-or-nothing

1Mo

@SchlaubiSchlumpf Unfortunately, it's exactly as you described with the MDM stuff😅🫣. You can also combine fun with investment if you approach precious metals correctly😁. For example, I only physically hold British Sovereigns or South African gold rims because I really like the coins on the one hand and, on the other, a number of Sovereign monarchs and vintages are so common that they are virtually traded at spot prices werden👌🏻. Of course, you shouldn't look for jubilee years or anything like that, then it fits😂.

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Uwe@SchlaubiSchlumpf

1Mo

@All-in-or-nothing right. My girlfriend has inherited 3 ounces of gold rim. But that's exactly why I want to have even more precious metal at home 😁 I also think it's really chic. Maybe when I buy a house and can get a heavy safe

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Sparfuchs@Reinecke

1Mo

I can talk to my mother about such topics in a fairly relaxed way. It's like at work - communication is everything.

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All-in-or-nothing@All-in-or-nothing

1Mo

@Reinecke I'm pretty good at communicating, but unfortunately I can't give my mother any constructive advice on the subject. She gives it, so she chooses it, blablabla😅🤷🏼‍♂️

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Richard@trabajohombre

1Mo

Great post! I gift my family an ounce of silver every year. Just pure silver, and they always seem to like it. They are impressed by how shiny it is. But I don't know if the tradition will continue since we now have to pay vat on silver bullion... Doesn't make sense as an investment anymore sadly

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