I found over the past couple years, if you can establish a good relationship with your local bullion dealer, you can get 1oz gold bars and/or coins under a 2% premium. The bigger the purchase, the better the premium.
Also, 1KG silver bars for anything between 6-10% premium is decent. Silver always has a higher premium.
I won’t buy gold over 5% premium or silver over 15% premium on spot. But if you can only afford like 1 gram or 1/10oz higher premiums are unavoidable.
buy from a bullion dealer, not ebay or FB marketplace please. ebay may have a money back guarantee, but the fees means your paying more. I’m not of FB but I hear lots of horror stories.
