i think a lot depends on what country you live in. Im in UK so its entirely different. We pay VAT for a start unless you can buy from Germany. For me its a no brainer to buy coins instead of bars. The queens beasts were just an example of why you want coins and not bars. Chinese pandas are pretty much guaranteed to keep their value no matter what the market does. In America they tend to sell to coin shops and in the UK we just dont have that same thing going on so entirely different.
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I get the whole VAT thing and think it ridiculous. The problem with pandas now is there are way to many produced and they are very prone to milk spots which turns your high premium coin to a piece of silver.