Gold and silver are two different strategies with different risk and return profiles. Select your country above for tax-specific guidance and personalised product recommendations.
How your $5,000 grows at 50% / 50% gold/silver
When metals rise, silver outperforms gold by multiples. This chart models realistic differential performance.
The grey cash bars show what happens to your money doing nothing — it shrinks every year to real inflation. Drag the sliders above to see how different splits and budgets change the picture.
Gold — The Stable Option
Gold is the stable, conservative strategy. Lower premiums, tighter buyback spreads, and historically reliable as a store of value.
Breakeven: spot needs to rise ~6%
No VAT
Silver — The High-Upside Option
Silver has significantly more upside potential than gold. When metals move, silver moves multiples more. The bigger the move, the more silver outperforms.
Breakeven: spot needs to rise ~12%
No VAT
Considering platinum? See platinum bullion
Premium Comparison
Coins carry a small premium over bars but are more recognisable
Recommended Products — for your $2,500 gold portion
| Product | Premium | Level | Price | Dealers | |
|---|---|---|---|---|---|
Half Sovereign Gold Coin
Best value that fits your budget
|
-2.2% | LOW | $484 | 29 | |
1/2 oz Maple Leaf Gold Coin
Best value that fits your budget
|
-0.1% | LOW | $2,093 | 50 | |
1/4 oz Tudor Beasts Gold Coin
Best value that fits your budget
|
1.0% | LOW | $1,060 | 20 |
For your $2,500 silver portion
| Product | Premium | Level | Price | Dealers | |
|---|---|---|---|---|---|
Pre-Owned 1 oz American Silver Eagle Silver Coin
Higher upside potential — silver outperforms gold in bull markets
|
2.7% | LOW | $68 | 15 | |
Pre-Owned 1 oz Noah's Ark Silver Coin
Higher upside potential — silver outperforms gold in bull markets
|
3.1% | TYPICAL | $68 | 2 | |
1 oz Britannia Silver Coin
Higher upside potential — silver outperforms gold in bull markets
|
4.3% | TYPICAL | $69 | 86 |
What your $5,000 buys
Gold portion ($2,500)
Silver portion ($2,500)
Cost Comparison
| Product | Price | Premium | VAT | CGT | Breakeven | Round-trip |
|---|---|---|---|---|---|---|
| Half Sovereign Gold Coin | $484 | -2.2% | — | Taxable | +-0% | ~-0% |
| 1/2 oz Maple Leaf Gold Coin | $2,093 | -0.1% | — | Taxable | +2% | ~2% |
| 1/4 oz Tudor Beasts Gold Coin | $1,060 | 1% | — | Taxable | +3% | ~3% |
| Pre-Owned 1 oz American Silver Eagle Silver Coin | $68 | 2.7% | — | Taxable | +9% | ~9% |
| Pre-Owned 1 oz Noah's Ark Silver Coin | $68 | 3.1% | — | Taxable | +10% | ~9% |
| 1 oz Britannia Silver Coin | $69 | 4.3% | — | Taxable | +11% | ~10% |
Breakeven = how much spot must rise for you to get your money back.
Round-trip = total cost to buy and sell (premium + VAT + buyback spread).
The Cost of Doing Nothing
What happens to your $5,000 if you hold it in cash. Real inflation — measured by observable cost-of-living data — substantially exceeds official figures.
Official: national CPI. Real estimate: ShadowStats, observable cost-of-living data.
Not sure yet Tips
- • Start with sovereigns: Britannias, Maples and Eagles are liquid, recognised and keenly priced.
Ready to compare prices?
Prices are fetched automatically and may not reflect current merchant prices. Currency conversions and tax treatment are approximate. Rankings are based solely on price. We are not a dealer and accept no responsibility for transactions with listed merchants. Past performance is not indicative of future results. This site does not provide investment advice. Full disclaimer