U get the premium back when u sell them. There's a way bigger market for fractional because more ppl can afford them. If u look at say the lunar series gold coins, alot of my 1/10s have doubled in value from what I paid. Same with proof libertads and pandas. They fair better than the oz coins imo. Plus if you need some emergency cash u can sell a couple and not have to sell the whole oz. But to each their own