To buy physical gold from a dealer, you'll pay a premium above its market, or "spot" price. This markup decreases by weight, ranging from as high as 40 percent for a 1/20th of an ounce Gold Maple Leaf coin from Northwest Territorial Mint to as low as 0.4 percent for a 400 oz. bar of gold recently at Kitco.com. The typical premium is in the 2 percent to 5 percent range for bars, but it's higher for coins because of fabrication costs. Premiums on rare collectible coins can be virtually unlimited, depending on their scarcity, condition and the dealer's profit motive.