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most of the time its a few quid over spot for me, extra 20% tax sucks!

Yeah the tax on silver is a killer no tax on gold. owenwat is right thats the lowest most of the time. Plus the old silver money went out of circ in 1947 which was 50% and 1926 90%. so even those coins cannot really be bought for spot. unless your a dealer i guess. Silvers a bad deal here in eu not just uk. I really going to be buying more gold moving forward i think especally lower premium