I'm trading out any premium for more PM at the moment. I'm not a numi collector, so the low premium bars I keep. I have some Maples and junk silver, but otherwise my silver is in kilos (but not as attractive :-)) or unallocated. Out here we have a low premium 10g gold coin ($200 Koala) which was minted in large numbers in the 80s and makes a good bullion coin - it spent 29 years under face value; I've picking those up when I can.