Define Portfolio Allocation Targets
1 hourSet target percentages for gold, silver, platinum, and numismatic premium holdings within your total investment portfolio.
Intermediateongoing
Bullion Investment Tracking Guide
Complete guide for bullion investment tracking — step-by-step workflow, tools, checklist, and expert tips to get started.
precious metal investorsstackers
Workflow
Log Each Acquisition with Spot and Premium
15 minutes per purchaseRecord purchase date, spot price at purchase, premium paid, weight, and dealer for every ounce added.
Track Spot Price and Unrealized Gain
30 minutes weeklyUpdate portfolio value weekly against live spot; calculate unrealized gain and cost basis per metal type.
Quarterly Rebalance and Tax Review
2 hours quarterlyCompare actual vs target allocation, plan purchases or sales, and review capital gains implications with tax advisor.
Tools Used
- Investment Return CalculatorPrimary
Calculate unrealized and realized returns on bullion holdings against purchase cost basis including premiums.
- Percentage CalculatorPrimary
Track actual vs target allocation percentages across gold, silver, and platinum stack components.
- Compound Interest CalculatorSupporting
Project long-term stack growth under dollar-cost averaging purchase schedules.
- NotepadReference
Maintain acquisition log with spot at purchase, premium, weight, and dealer for tax basis documentation.
Checklist
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Planning
Documentation
Accuracy
Tracking
Security
Review
Reference Materials
Typical Bullion PremiumsTable
Approximate retail premium over spot at normal supply (varies by market).
| Product | Metal | Typical Premium |
|---|---|---|
| American Eagle 1 oz | Gold | 4–8% over spot |
| Maple Leaf 1 oz | Silver | $2–5 over spot |
| Generic round 1 oz | Silver | $1–3 over spot |
| 90% junk silver | Silver | Spot + 10–20% |
Cost Basis CalculationFormula
Total cost basis = (spot at purchase × troy oz) + premium + shipping + insurance per piece.
Physical Security StandardStandard
Insure stored bullion at replacement value — home safes delay theft but do not prevent determined burglary.
Premium Awareness
Generic silver rounds minimize premium — proof coins maximize premium but not metal content.
DCA Discipline
Fixed monthly purchases smooth spot volatility better than timing the market.
Home Storage Risk
Large home stacks attract theft — split storage between home, bank box, and insured vault.
Safety Notes
- Verify dealer reputation before large purchases — counterfeit bullion exists in online markets.
- Do not advertise holdings publicly — operational security protects physical stacks.