My frend me also confused with this article. What i understand is when you buy gold coin the price will increase and as you said if we buy jewellery the price what the jwellerer gives you is very low and when you buy its very high and he is deducting the making charges as well. So what i understand is investin in gold coin is okay and we will get 10- 12 % return on that after one year or so because the grammage is marked on the coin. So be carefull