I have seen a very good explanation about numismatic silver explained by Malaysian. Credit goes to jayjay (forum Lowyat). Here is it:
The opposite of numismatic silver is low premium silver bar. Silver experts such as David Morgan highly encourage silver investors to buy low premium silver bar. The reason is because for the same amount of Ringgit, you will get a lot more silver. In other words, you are paying for the silver (precious metal) content rather than the premium. There is a very good program in Malaysia known as My Silver Accumulator for silver investors to invest silver (utilizing dollar cost average strategy). Feel free to learn more about it here. Alternatively, check out Menu > My Silver Accumulator.