In the uk we dont have coin shops to can get bullion from and have to pay vat at 17.5 percent on pure silver. if you are going to buy any gold/silver get a test kit and a book on hallmarks i own a few oz of gold and lots of silver i buy at scrap price more if it is a good antique item.

The most important thing i can say get the real thing take it home as you will feel very very bad if your on paper bullion was to dissappear and from what i have read the chances of this are very high

i would say try to buy about 5% of your worth if you can but do buy some soon dont sell your kxl shares to raise the money