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Just getting started. Always.
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I'd say if its purely investment, then you go for the 1 oz. If its more towards SHTF scenarios, then fractionals might be better, because 1 oz is too much and there will be the problem with making change. youll just have to accept that you'll be paying a huge premium on it. Try your local dealer, ours will sometimes give you fractional at the same price if they dont have more 1 oz coins, which happens sometimes when theyre really busy. Which is all the time.

If its a mix, then get both.
 
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