With economic instability and fluctuations in currency exchange rates, many investors resort to such a type of profit as an investment in precious metals. For the public, such ways are available thanks to banks. The leader in the sphere is Sberbank, which offers various contributions to gold, silver, palladium and platinum.

Stable rise in prices for gold for many years made investments in metals very popular. The yield on such contributions significantly exceeded the deposit rate. At the same time, in the short term, the situation was not always favorable.

In Sberbank, the following methods of investment in gold are provided:

• impersonal metallic accounts (OMS);
• sale and purchase of ingots;
• investment and collectible gold coins.

The impersonal metallic account (OMS) is a view of an account on which the acquired metal is displayed in grams. Opening an account, you pay for its value according to the internal quotation of the bank. If you want to remove cash, then calculates at the rate at the time of sale.

Despite the name, in fact, this type of account is not a contribution. Since it does not guarantee profitability. Opening it, you become not a contributor, but an investor, and carry the relevant risks.

In addition to OMS, customers are invited to buy and sell gold in ingots. Their weight can be from 1 gram to a kilogram. Silver bars are sold weighing from 50 grams to a kilogram, and palladium and platinum - from 5 to 100 grams. Investing in this case is that you are buying a bank gold, and after a while we sell, while getting income. But it is possible to sell our own gold bars, including to diskete them by enrolling the value of the made metal on the OMS.

Acquired ingots can be left for free storage in the bank. At the same time, certificate and documents confirming the purchase and transmission are issued in the hands. Gold bars often buy as an original gift, and you can donate both directly ingot and the certificate on it.

Another type of deposit in gold is buying gold coins. Sberbank offers memorable and investment coins. The first are purchased in most cases for gifts. They are often decorated with semi-precious and precious stones, drawings and decorated with original ways. Investment coins are produced in large circulation and are intended for investment. Their cost is tied to the price of metal, so they, unlike memorable, do not have collection values \u200b\u200band are cheaper. The price of investment coins is not subject to VAT.

Conditions of opening

Investing in gold occurs on the following conditions:

• gold contribution can open individuals and legal entities;
• the metallic account opens in grams;
• the opening and maintenance of the account is free;
• the minimum weight of gold in the ingots and on accounts is 1 gram;
• the maximum weight of the gold ingot - 1 kg;
• transactions with precious metals are carried out throughout Russia, but in a limited number of offices;
• interest on metal accounts is not provided, the income is formed solely on the change in quotations;
• with OMS, you can get a physical metal, as well as pass it by making an impersonal account;
• there are no restrictions on the number of transactions, accounts can be replenished and reduced and cut;
• gold bars can be left in a bank for free storage;
• the Metal Account agreement is a year with automatic extension;
• 999.9 ingot sample;
• investments in gold are not insured at the Deposit Insurance Agency.
• gold OMS operations can be carried out with a minimum pitch of 0.1 grams;
• bought coins can be traded back.

Requirements for depositors

To buy gold bars and coins, it is necessary to contact the department engaged in operations with precious metals, with a passport. Depositors for metal accounts can be:

• faces over 18 years old in the presence of a passport;
• parents or legal representatives of the child under 14 years old upon presentation of a passport or birth certificate, if the child is not partition in the passport;
• teenagers from 14 to 18 years old in the presence of a written permission of a legal representative.

On the control of a metallic account, you can write a notarial power of attorney to another person. If the account is open to a minor, then not only the power of attorney is required, but also the notarious consent of the legal representative. Credit operations on the accounts for a child under 14 require permission of guardianship.

Is it profitable to invest in gold

Buying metal, you need to remember by analogy with exchange rates about the difference in quotations for sale and purchase. At the same time, the bank buys gold or other metal cheaper than selling. Therefore, in order to benefit, it is necessary to wait for a significant increase in the course.

If you buy and get a gold ingot, you have to pay 18% VAT. And the benefit from OMS is subject to income tax, to declare which and make a payment must be independently. But in case the bars remain on storage in a bank, VAT is not required to pay only if they are actually obtained.

Investments in gold can bring much greater yield than an ordinary deposit.

Monthly cost increase sometimes reaches 5-8% and the most profitable deposit rarely offers 7% annual income. But if you look at the dynamics of courses, you can find periods of negative dynamics. In particular, from the fall of 2012 to the winter of 2013, gold prices in relation to the ruble fell significantly.

It is also necessary to take into account that Sberbank quotes on metal accounts are expressed in rubles, and in world markets trade is carried out towards the dollar. Therefore, the dynamics of national quotations largely depends on the course of the national currency. A minor drop in the value of gold in dollars during the depreciation of the ruble will increase the loss on gold OMS.

Given all the factors, it can be concluded that the feasibility of long-term investment in gold and a high degree of risk and dependence on stock exchange speculation.

Pros and cons of deposits in Gold in Sberbank

Given the above, you can summarize the pros and cons of deposits in Gold in Sberbank. The advantages are:

1. High potential yield.
2. There are no restrictions on replenishment and removal.
3. On dismandable accounts, you do not need to pay VAT, since the physical sale of precious metals does not occur.
4. High liquidity, at any time physical or an impersonal metal can be exchanged for money.
5. The account can be opened in the name of the child.

The disadvantages include:

1. Lack of deposit insurance in the DC.
2. The contributor fully carries the entire risk of losses from the fall of the Gold Course.
3. The need for self-payment of NDFL.
4. Lack of guaranteed profitability (percentage of deposit).
5. When physically obtaining ingots and coins, you must pay 18% VAT.

Investments in gold can bring both high income and the real probability of damages. The long-term perspective shows a stable rise in the course of gold, but the economic situation in the world does not have any projections to reliability. At the same time, the high liquidity of the investment allows you to promptly respond to changing the market situation. Therefore, deposits into precious metals are currently considered advantageous and fairly reliable way to increase capital.

Gold ... how much gloss in this word. Gold is the only thing that people all generations have dreamed of possessing. And our time is no exception. It may change anything: a house, country, currency exchange rate. But gold - always will remain gold. Hello. The article reveals the topic: "Deposits in gold: pros and cons". Let's start with the review plan.

History

In order to figure out why gold in the price is still worth plunge into history. Gold is noble, precious metal, Open at the time of the Inca. It immediately became a benchmark for money due to the properties that possessed: glitter, color (gold is translated as yellow, sun), did not heat in the form of nuggets, it was easy to handle. Also, gold is very soft, thanks to which many bright decorations were made. Hence, due to the fact that gold is recognized as a universal cash equivalent, adopted in the world, it will never collapse in price.

Summary

Because of gold, a huge number of wars occurred. The most bloody can be called the conquest of America. Then almost all the indigenous population of the continent was destroyed. Do not forget the same events as: crusades, gold fever, the destruction of whole civilizations (Incs, Aztecs and others). Also, it is worth noting that people went to the victims for the sake of this metal. All this story shows us not only human madness, but also the value of the metal.

Contribution to Gold

From the story smoothly go to the present. Each person thinks about the so-called "rescue circle." We will talk about deposits. The contribution is the process of investing your money to the bank, with further receipt of profit. For many, this method is earnings. He carries in itself simultaneously and a simple profit, but at the same time and big risk. In essence, this is a lottery. How do you lucky, and whether you will have time to take money. In order to make a well earn at the deposit, you need to invest. Yes, gold is always in price, but its value has a property to deviate. In general, earnings on gold is a long work that can not give results at all, and raise it.

The population often prefers to invest in gold at the time of financial crises. So they save their money. Types of deposits are very diverse:

1. In the bank.
2. In the form of coins.
3. In the form of ingots.
4. In the form of jewelry.

Each view has its own procedures that will be described below.

Deposit procedure

The contribution procedure depends on what type of deposit you chose:

1. For Bank. You come to the bank, discover the contribution, make an amount and your contribution is calculated based on the market value of gold and the amount you have contributed. This is added to the deposit period. And hence the amount of money that you can pick up at the end of the deposit period (works under ideal conditions).
2. For coins and ingots. You need to come to any institution (most often it is again the bank), and purchase there from the coin (a huge selection of both engraving (jubilee) and size) or ingots (there are various weight categories). Further, you can store these coins both in a bank and at home.
3. For decoration. The procedure is the same as with coins, but the decorations are purchased in jewelry stores.

All such types of deposits have their advantages and disadvantages.

pros

The main advantage of the deposit in gold is saving savings. Also, the main advantages can be called rapid profit (the more invested, the greater the percentage you get). There are also long-term deposits that are taken into account even with time. Plus, decorations - unconditionally the type of financial well-being. And for coins and ingots - your gold is always near.

Minuses

There are quite a few minuses in such contributions. It:

• The bank in which the contribution was made to declare himself with bankrupt or he will be deceived Lizenzia (loss of a large or complete percentage of nested money).
• Loss of bought ingots, coins, jewelry (loss, theft).
• Loss of the value of the decoration after purchase (when leaving the store, the price of decoration falls by 15-30%).
• When selling in pawnshops and on shopping grounds, gold can be assessed as scrap: the decoration is made with impurities (the price may be from 50% of the market and lower).
• You can fool you when selling gold (sell fake).
• VAT is higher than your contribution.

Output

Deposits into gold, at least in Russia, are considered the most secure and popular. Of course, the main purpose of this type of contribution is your welfare. Therefore, despite all the disadvantages, it is thanks to high demand for gold, your financial future will be insured.

No one is secret that gold is an age-old human value. Back in the ancient times, the owners of the gold metal enjoyed recognition and had privileged powers. If we talk about gold today, then under its acquisition it means the safety of money from negative economic impact, as well as an income investment, therefore buying gold Actual topic for many investors.

Advantages and disadvantages of investment in gold bars

The main advantage of precious metal in the form of ingots is their interest of freedom and reliability. The value of gold is not where it will not disappear, regardless of the financial solvency or crash of the bank and even the collapse of the entire monetary system. Such metal can not be destroyed or recreated from any other components.

But minus, while tangible, lies in the taxation of VAT 18%. When implementing even the smallest ingot, the bank includes the amount of the tax in the price of the ingot, during return selling the given tax to the investor no one will compensate. For this reason, the increase in the value of gold by 18% will only be able to cover the cost of buying ingots, and to really have a good profit, you will have to expect, while long. Many investors denote terms of 10 years and longer.

But it is possible not to pay tax if the buyer does not make gold per wall of the bank, but leaves him, making up a metallic account. If the investor chooses this option, then immediately solves two problems: does not pay VAT and solves the issue with its safety. But here there are your pitfalls. The thing is that the storage of the ingot in the bank is equal to renting a bank cell for which it will have to pay. In addition, leaving the Gold Bank, the investor exposes itself to risks. Of course they are not so high than on ordinary deposits, but they have the place to be. Therefore, in such a question it is worth carefully checking the bank and choose more reliable.

What is worth knowing banking gold

If the bank has a license of the Central Bank to carry out operations with precious metals, then the investor can buy ingots from him. The bank has the right to establish the value of gold, so it is not worth a hurry with the purchase, but it is better to get better with all offers and choose a more profitable option.

It is also worth finding out whether the bank provides such a service, namely the reverse buyout of ingots, since not all banks hold such an operation. It is more profitable and convenient to choose the bank that can be used as a gold ingot and then implement it to him. And it has its own reasons. So you can avoid expenses related to the expert assessment of the ingot. In addition, seeing the symbol of another credit structure on the inch, the bank may consider the state of the ingot as satisfactory and buy it for less.

It is also worth noting that the price of gram gold is very dependent on the weight of the ingot itself. In other words, when buying a small ingot, the price of 1 gram will be higher than when buying a large weight ingot. Therefore, it is not worth buying an ingot of 1 kg, and it is better to buy 10 ingots of 100 grams.

Another point you need to know is that gold 999 samples are very delicate metal, so the ingot requires careful circulation and storage. Any fall or touch of ingots to each other can lead to their deformations that will immediately affect their cost. But, and if the damage caused the change in the size or weight of the ingots, the bank can generally refuse it in its redemption. Also, the cost of the ingots may affect the state of the certificate. If he is torn or hard, the bank will buy ingot at a low price. But besides the bank, the Golden Brochka can redeem an investment company or pawnshop that have a proper license.

During the crisis, many people think about the preservation and multiplication of their savings. As one of the possible options are considered investments in gold. Is it worth doing this, what are the pros and cons of investment in precious metals? This will be discussed in the article.

Undoubted pluses

Surely any financial consultant will respond positively to the first question. Gold at all times served as a guarantor of the financial stability of any - ranging from a private person and ending with all states. The rulers changed, and the countries appeared and disappeared, but gold has always remained in price.

In addition to the specified factor, investments in precious metals have a number of positive parties:

Gold is the main means of conservation of savings during the period of economic crisis - stocks of enterprises fall, currency rates will jump in different directions, and only the precious metal is unshakable. Yes, at such periods, its cost increases due to global demand, and after the end of the critical situation, it can be pretty decreased. However, sooner or later the price of gold will still begin to grow. If you look at charts with information about the cost of the ounce of gold, then there will be a clear trend of growth.

The precious metal requires special care during storage. Gold is not deformed, not erased and does not rust. Simply put, acquiring a base in a weight of 1 kg, after 100 years of heirs will remain the same kilogram, no more and no less. True, by that time the cost will increase him at times.

Gold compact. It can be stored in a small home safe. If for any reason it is uncomfortable, then you can rent a bank cell. This service is quite accessible to everyone - depending on the size of the safe and the rental period, the number will be from 7 to 350 rubles per day. It is clear that the larger the size of the cell and less the number of days, the service will be more expensive. On average, the rental price is 23-100 rubles per day.

Gold is extremely. It can be sold at any time in a bank or, as a last resort, in the pawnshop.

Precious metal is not afraid of rampant elements. Even if the force majeure happen in the form of a fire, flooding, tsunami or earthquakes - the ingot will survive, only slightly modified.

Possible disadvantages

In addition to explicit advantages, some minuses have investments:

This item logically derives from the first plus list. If we speak easier, then precious metals are a long-term investment. "Quickly" to make money on the purchase and sale of gold will not work. This is due to the fact that the conditions for the acquisition and sale of gold differ significantly - the figure can be up to 10%. We should not forget about the payment of VAT in the amount of 18% when buying.

Price Sale Gold Bank - 2 000 rubles. Of grams, purchase price - 1,800 rubles. For the same amount. By purchasing a precious metallol, the buyer will pay 2 360 rubles. per gram. If he decides on the same day to part with him, it will lose 560 rubles on this operation. And it is only with one gram of metal. And if the account goes to kilograms? In order for the acquirer from the above example to sell its gold without loss, it should increase significantly in price. And this may take years.

Difficulties with the sale of ingots and coins. Banks reluctantly buy gold bars, very carefully checking not only documents on them, but also the physical condition of the goods. With the slightest scratches or preprints on the ingot (pure gold is very easily deformed) the transaction will not take place.

Investment options

If the only minus does not scare, then you can advise the following types of investments in precious metals.

Gold bars

This is the first thing that comes to mind when mentioning investing in gold. However, this type of deposits is not very common. This is due to the need to pay the tax of 18%, which is not suitable for a person with an average defragment, because it significantly increases the cost of acquisition. There are still a couple of non-obvious minuses: the additional costs of renting a bank cell and the complexity with the sale, as mentioned above.

But such a type of investment is beyond the vibrations of exchange rates and reliability of banks.

Jubilee and Investment Coins

The second option may be the purchase of gold coins. Banks offer 2 types of coins: investment and anniversary. Buying the first look, there is no need to pay 18%. However, this will need to be done when selling coins.
The price of jubilee - memorable - coins significantly exceeds the value of the nominal. We are usually interested only collectors and numismatics.

Jewelry

Still remember how at the beginning of the crisis the population rushed to the shops, fear of the counters everything - they bought 5 televisions, 8 phones and the countless number of gold jewelry. Now they understand that it was a very stupid act. In particular, relating to gold.

This is due to the fact that the decoration is impossible to sell at the same price on which it was purchased. This sum includes many factors not consistent with the sale:

• the cost of the master;
• transportation;
• store costs - rent, salary, and so on.

Jewels can only be sold as a gold scrap. And they are bought by weight. In this case, you won't get a big benefit. The exceptions are only jewelry masterpieces of famous masters or antique values. However, such a product in stores can not be bought, and the cost of it is very far from democratic.

Metal account

An ordinary person with average sufficient can be advised to open the "metal" account. In essence, this is the same contribution, only the amount of investment is translated into a certain amount of gold at the rate for the current day. From the advantages can be noted:

• reliability - if such a contribution does not bring big income, but guaranteed to preserve the existing savings without losses;
• liquidity - to draw a contribution to money at any time;
• lack of various fees and taxes.

However, metallic accounts have both negative sides, the main of which lies in the fact that such deposits are not subject to guaranteed insurance in the DR. Simply put, under the bankruptcy of the bank, funds will not be reimbursed. The second minus - the contribution may increase only in the event of a rising price of metal. Interest on such deposits are not provided.

Other investment opportunities

There are few more opportunities for investing money in precious metals. But they all require certain knowledge. For example, you can remind investments in gold mining enterprises. More precisely, in their shares. Or on stock exchange funds and. In all these cases, an ordinary person needs consultation of a competent specialist who can suggest, for example, to which promotions cost to invest in the moment. If there are no skills to work with trading platforms and terminals, then it is better not to consider such options.

In conclusion, it can be concluded that investing in gold is a reliable way to protect your savings from economic cataclysms. Let a lot of income in a short time and not get, but you can save your "blood", despite inflation and currency courses.

For long-term investments, gold coins and ingots are suitable, and those who are important to be able to dispose of their means, it is better to open impersonal metal bills.

Storage of funds plays a very important role for a person, and their investment in gold guarantees what they won't impair. Many now prefer to invest in securities or foreign currency, but these are risky events that largely depend on quotes in the financial market. And the gold has always been and will be in price.

By right, this investment tool is one of the safest and at the same time uncomplicated in implementation. Although it does not work out without some of the shortcomings, which must be taken into account when deciding to invest in precious metals.

One of the positive points of gold as a tool for investment is its high level of safety and independence from the financial stability of the credit institution or the financial system as a whole. The best way to investment is the acquisition of gold ingots, but it is associated with a number of shortcomings:

- First, when selling it will be necessary to pay 18% VAT from the cost of sale;
- Secondly, this minus follows from the first point - to recoup this tax and get a decent income, a good exposure is necessary and a long-term shelf life of gold is needed - up to 10 years.

From payment of 18%, it is possible if the ingot cannot be taken out of the bank walls, but to leave in the bank cell to store, but you need to take into account the rental of this safe.

There is another option of investing in precious metals - these are coins or investment, or collectible. The cost of their acquisition is significantly lower than on the purchase of ingots, and the tax is not held with the sale of investment coins. However, in this case, it is also not to rush with the sale. These investments should be long-term - then the benefit can be up to 30%.

If the decision to acquire gold ingots or coins is still accepted, then it is necessary to remember whether any damage or imprint carries the price reduction.

You can also invest capital in an impersonal metal bank account. However, this does not mean that the owner of this account has acquired some kind of gold. The main disadvantages of such an investment are that such contributions are not insured - in the event of a bankruptcy of the credit institution, the owner of the account will not return, besides, the amount of the contribution depends on the world prices for precious metals.

What kind of investment in precious metals would not be selected, with the help of professionals and the correct calculation, you can achieve a very good profitability. Gold ingots will bring the greatest earnings, but for this you need to have an impressive capital and not invest it only in one financial instrument.