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Replies: 16 / Views: 4,088 |
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Valued Member
United States
362 Posts |
This past year I have invested a good deal of time and money in acquiring all the SML fractional sets. what I am reaching out to know is, will these hold value above the silver value? I am relatively new to Canadian coinage so even though I have done my homework online as to current value I'm curious as to if they have enough interest to hold or increase in value, or are they looked at in disgust and will slowly lose value over time? I personally think they all are lovely and exhibit great craftsmanship. However, I do think one set a year is diluting the market. Thank you!
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Valued Member
United States
408 Posts |
No one can predict the future when it comes to guessing if something will hold value or lose value over time. There are a lot of factors that go into that. One is supply and demand. Check the mintage amount of the set. If it is super high, then it probably won't hold its value aside from the silver content.
I am more of a American Silver Eagle guy, so I will hope to see a comment from someone who is more experienced and knowledgeable in Canadian coins and legal tender bullion.
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Pillar of the Community
Canada
6768 Posts |
Without entering to the deep analisys, but just trying to help, would say, that according to my experience with 2013 and later fractional sets - RCM minted them annualy since 2013 - all slowly loose in value. Could be, that sellers (on ebay) still try to sell for issue+, but the buyers waiting for sales, like ones that Colonial Acres does, where sets priced CAD 25-50 below the issue. What holds the value, and might increase - highly graded 1oz coins from these sets. The 69 sold for CAD100+ and '70 much higher. From all silver RCM fractional, sill more or less hold the value "Arctic Fox" and "The Lynx". Anyway, the sets not bad at all and looking good. Just RCM overproduced them (imo). Have a good luck and enjoy!
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Valued Member
Canada
192 Posts |
Not from what I hear. Not on a dollar for dollar perspective; if you allow for depreciation due to your personal enjoyment in owning them, then probably :) Statistically, the best silver for value is bullion. Even then, you pay a premium for RCM coins because they are easier to authenticate / harder to counterfeit, so you can get more value in other coins but the risk increases of buying a fake coin. Growing value in NCLT comes at the whim of the market, and is rare.
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Pillar of the Community
Canada
2845 Posts |
Just my opinion of course but I think silver Fractional Sets will hold their value into the future better than the endless release of "this n' thats" with no connection to becoming an ongoing series or set of anything. Collecting as a hobby tends to encourage people to collect things that share a commonality, As long as RCM doesn't get too carried away with overkill in how many fractional sets are released each year, current collectors of each version will limit the supply, future collectors create demand by buying past releases.
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Pillar of the Community
Canada
6768 Posts |
Good example of RCM Fractional set, that already lost a value, just in couple of years. And this one is from beatiful ones: 2015 Incuse Fractional Set 5 Silver Maple Leaf Coin Set .9999 FineItem ID = 142125785667Dealer sells it over ebay. BIN = CAD 179, while issue price was CAD 225 (or 250?)They all will go down the same way.
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CCF Master Historian of USA Commemoratives
 United States
12273 Posts |
Quote: what I am reaching out to know is, will these hold value above the silver value? Yes, I believe they will always be worth more than their silver melt value. The question is - How much more? While many of the ML fractional sets are attractive, they don't seem to be standing separate from the myriad of issues coming each year from the RCM. By that I mean, they appear to suffer the same value loss as nearly all of the RCM's NCLT issues. Back in 2003, I purchased the 15th anniversary fractional ML set - the first ML fractional set. It features the first RCM release of a $3 coin as well as the first $4 coin; all coins in the set feature a holographic ML. It's a very attractive set in a nice wooden case. The set cost $149.95 at the time of issue. Today, you can purchase the set on ebay for $115 or less. Unless the melt value of silver increases dramatically, it would not surprise me to see the set offered for $100 or less within a year. Assembling all of the various ML fractional sets would certainly make for an attractive collection. IMO, however, a positive return on investment should not be anticipated.
Collecting history one coin or medal at a time! (c) commems. All rights reserved.
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Valued Member
 United States
362 Posts |
Commems I believe you are correct. I paid $125 for the same 2003 set. I'm good with my purchases. I've assembled I believe all the fractional sets. Very nice coins, I just can't understand why they are not more popular. All with super low mintages.
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Valued Member
Canada
393 Posts |
Recently I tried selling the 2013 SML set for half retail on a couple of occasions at area club auctions with no avail.
Keeping it longer now which is fine with me.
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Pillar of the Community
Canada
3690 Posts |
I like these sets.
In terms of value appreciation, the exception seems to be the Canada Lynx 2005 Set. I haven't see it at or below issue price in about 10 years of searching.
Issue price was $90 but it's generally sold at $170+ now. Though I guess this is a 'special' fractional SML set.
Edited by CC-Ottawa 10/29/2016 5:09 pm
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CCF Master Historian of USA Commemoratives
 United States
12273 Posts |
Quote: In terms of value appreciation, the exception seems to be the Canada Lynx 2005 Set. I haven't see it at or below issue price in about 10 years of searching. @CC-Ottawa: With an issue price of just $89.95, I can understand the difficulty! It's funny, I don't ever think of the Lynx or Arctic Fox sets (or the various more recent 1 ounce silver coins featuring wildlife) as SMLs. In my mind, if a coin doesn't have a maple leaf on it, it's not a "Maple Leaf." Not saying I'm correct, it's just the way I look at them.
Collecting history one coin or medal at a time! (c) commems. All rights reserved.
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Valued Member
 United States
362 Posts |
"It's funny, I don't ever think of the Lynx or Arctic Fox sets (or the various more recent 1 ounce silver coins featuring wildlife) as SMLs. In my mind, if a coin doesn't have a maple leaf on it, it's not a "Maple Leaf." Not saying I'm correct, it's just the way I look at them."
I agree Commems, no maple it isn't a SML in my book. I wondered why such coins were listed on Wikipedia Silver Maple Leafs.
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Pillar of the Community
Canada
6768 Posts |
As per my undrestand, "Lynx" and "Arctic Fox", people oficially do not call "SMLs", but still they "Fractional set" family. Unlike the recent Fractional wildlife sets, the Linx and Fox bears different design on each coin, and alligned to the concept started with Platinum sets. This might be the factor that contributes to the value on the sec marked after years.
And, btw, many people call the 2011-2013 wildlife bullion coins - "SMLs"
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Pillar of the Community
Canada
3690 Posts |
Charlton calls the fox and lynx "Silver Maple Leaf special issue sets".
I understand the no maple thing but they are still considered SMLs as are the wildlife bullion series and subsequent non-leaf bullions coins.
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CCF Master Historian of USA Commemoratives
 United States
12273 Posts |
Quote: I understand the no maple thing but they are still considered SMLs as are the wildlife bullion series and subsequent non-leaf bullions coins. Yep, I'm aware of how Charlton catalogs them - that's why I acknowledged my comments were just a personal viewpoint. If I were ever to collect the series, however, I'm fairly certain I would limit myself to the coins with MLs on them. Afterall, we each have to collect the way that makes us happy! 
Collecting history one coin or medal at a time! (c) commems. All rights reserved.
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Pillar of the Community
Canada
3690 Posts |
Sorry I wasn't clear. My comment was in response to the question of why Wikipedia lists them as SMLs. Wiki lists them as SMLs because they are SMLs. 
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Replies: 16 / Views: 4,088 |