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There are two main categories of gold and silver coins: bullion coins and numismatic coins.
Bullion coins are mainly bought for their precious metal content (gold or silver). Their value is based almost exclusively on the price of the metal ("spot" value), and they are generally available at close to this price, making them particularly attractive to investors wishing to secure their capital.
These coins are minted in large quantities by official institutions, and their purity is guaranteed. Popular examples include :
Numismatic coins have a historical, cultural or artistic value in addition to their metal value. They are often rare, ancient or linked to specific historical periods. Their price is therefore largely influenced by supply and demand in the collectors' market, and not by their gold or silver content alone.
Certainly, some numismatic coins can increase in value over time, but they represent a riskier investment, subject to subjective criteria: state of preservation, rarity, origin, etc.
The choice depends on your investor profile and objectives:
If you're looking for a simple, tangible and liquid investment, bullion coins are the way to go. They're easy to resell, their price directly follows that of the metal, and they're VAT-exempt in certain countries.
If you're passionate about numismatics, willing to spend time studying the market and aiming for a higher potential return over the long term, numismatic coins can represent an opportunity - albeit with increased risks.
In general, we recommend focusing on the value of the metal rather than speculative premiums. Premiums on numismatic coins can be substantial, with no guarantee of profitability.
A good strategy is to buy bullion coins in bulk, to reduce unit premiums. Monster boxes, for example, are ideal for this purpose. These are sealed boxes containing several hundred coins (usually 250 or 500), packaged directly by the refineries.
There are also packs of 10 pieces (Krugerrand, Maple Leaf, etc.) which offer an excellent compromise between accessibility and yield. The unit price of these coins remains very close to the spot price, which means that a slight rise in the market can already make your investment profitable.
If your aim is to secure your wealth by capitalizing on world-renowned precious metals, bullion coins are your best option. Their price transparency, liquidity and purity make them a strategic choice, even for beginners. Gold and silver have retained their value over the centuries, and there's every reason to believe that they will continue to do so in the future.