Metal deposit gold in a savings bank. Deposits in gold at interest: pros and cons Deposits in gold in a bank at interest

Investing in gold at interest is an excellent opportunity to preserve and increase capital in the long term. After all, gold does not deteriorate over time, is not afraid of inflation and can act as a unit of account anywhere in the world.

Despite the fact that today there are different options for deposits and accounts, investing in precious metals makes sense in the future for 10, 20 years, or even more.

Now it is not showing very good growth dynamics, but due to limited reserves and high demand in the world, we can assume that gold and silver will always be in price, regardless of the economic and political situation in a particular country, the exchange rate and events in the stock markets, etc. .d.

Types of deposits and their features

There are several ways to make a deposit in gold at Sberbank or any other bank.

Metal accounts can be of two types:

1) Responsible storage- in this case, the depositor first purchases bullion or, and then gives them to the bank for storage. It involves difficulties with the procedure for purchasing and paying for ingots, but makes it possible to preserve their individual characteristics: exact weight, fineness, percentage of other metals, manufacturer, number, certification, etc.

If the metal has been owned for less than three years, its sale involves the need to pay a tax of 13%; keeping gold in a bank requires paying commissions (for storage, opening/closing a deposit, withdrawing/depositing metal, accounting and maintaining a deposit, transfer to another bank, etc.).

2) Impersonal - depositing funds into the client’s account, which are tied to the metal and its value, but the actual delivery of gold is not carried out.

In this case, you can even open an account online, the sale of metal is carried out only in rubles, if the account is replenished, a commission is charged, an account is opened “on demand”, there are no restrictions on the amount of funds placed.

Advantages and disadvantages of impersonal accounts

Due to the many nuances with bars and coins, their storage, conversion, purchase and sale, difficulties in taxation, it is easier to invest in gold at interest, which retain all the advantages of long-term investment in precious metals, but exclude the disadvantages of actually owning bullion. Sberbank makes attractive offers, giving anyone the opportunity to quickly and easily open an account.

Why should you choose this option:

• Possibility freely manipulate funds, withdraw or top up your account, transfer money without restrictions.

• Buying virtual gold makes it possible to forget about complex purchasing procedure bullion, concerns about safety, etc.
• There is no need to pay taxes - while with an actual supply of metal, if it were sold, one would have to pay 13% VAT.

• Tax-free income - except in cases where the investor decides to withdraw assets from the account in real metal format.
• Lots of opportunities for speculative activity– you can buy virtual metal at one price, then sell it, etc.

When considering whether it is profitable to invest in gold at Sberbank or any other bank, it is worth remembering the risks.

Disadvantages of deposits into compulsory medical insurance:

• Lack of insurance - if the bank fails, funds will be lost
• Very small interest
• All transactions with gold require payment of a commission
• In case of withdrawal of gold asset from the account, the bank needs to pay all current expenses

If you take into account what interest rates Sberbank or other banks offer on gold deposits, it becomes clear that this option is more suitable for storing funds. You can make money on it only if the price of the precious metal actively moves, which is not observed now. And paying 3-5% per annum, which is also calculated in gold, is unlikely to be a good current income.

Features and nuances

In view of the pros and cons of actually buying gold and opening an impersonal account, we can conclude that storing funds in this way is beneficial in the long term. And if we are talking about 2-3 years, then it makes sense to open a compulsory medical insurance, if we are talking about decades, buy bullion, since it is unknown what will happen to the bank in 10, 20 years, what laws will be adopted in the area, and gold is always valued and bullion no need to convert.

For those who want to make cash deposits in gold in order to earn money, you need to carefully consider the conditions and figures, the features of the contract offered by Sberbank or any other selected organization.

It is best to invest 5-25% of assets in gold, choosing a long storage period, as this is more profitable. If you have no idea how much to invest, you can distribute the investments: open one account for a year, a second for 2-3 years, a third for an even longer period.

Banks offer not very high interest rates - from 0.6 to 2-3% (sometimes more), so in this case we are more likely talking about making money on changes in the value of an asset. The rate directly depends on the weight of the metal and the duration of the deposit. The longer the period, the more profitable it is to invest.

Price of precious metals fluctuates quite noticeably: in 2000, 31.1 grams of gold was valued at $280, today the price reaches $1,650 and higher. Therefore, those who invested in the metal in 2000 received a return of 600%. Now the situation is not so rosy, but in the future the cost of precious metals will still rise.

Today, investing in gold is the safest and most effective way to make a profit. Considering the current financial instability throughout the world, investing in gold will help increase the net worth of both a large investor and an ordinary person who decides to make money on gold.

As history shows, humanity has always been partial to this precious metal. The numerous gold and gilded objects found by archaeologists at excavations around the world are clear confirmation of this. It was in gold equivalent that it was customary to store one's wealth. Thousands of years have passed, and the value of gold has not decreased. This phenomenon is quite understandable. Its quantity on the planet is so small, and its extraction is so difficult and costly that the cost of gold only grows every year. Therefore, questions about whether it is profitable to invest in gold and how to do it are increasingly visited by potential investors.

You can increase your capital by making a deposit in gold at Sberbank. Such an investment will be profitable only if it is long-term. It is in the long term that investing in gold will be the most reliable.

Options for investing money in gold

Gold coins and bars

Many banks that have the appropriate license today offer the purchase of gold bars or coins. Each of these gold bars, in addition to a stamp indicating the denomination, number and mark of the manufacturer, has a quality certificate. The price of an ingot is determined by its weight. Sberbank, as one of the leaders in the precious metals market in Russia, gives its clients the opportunity to buy and sell gold standard and measured bars.

Gold coins are also an excellent investment tool. There are historical (collectible) and investment coins. The former are of historical value and are much more expensive than investment ones, the task of which is to preserve capital.

Gold jewelry

You can invest in gold by buying gold products. At the same time, do not forget that jewelry made of precious metals, after purchasing it in a jewelry store, immediately loses up to 30% of its value. In addition, pure gold without impurities is rarely used in the manufacture of jewelry. You can often encounter counterfeit jewelry.

The only exception is antique gold jewelry, the cost of which, on the contrary, is growing every year.

Unallocated metal accounts

Another way to profitably invest money is to open an impersonal metal account (UMA). In this case, banks sell gold, but it is not the precious metal itself that is given to clients, but documents that confirm ownership of it. The investment itself is written in grams or kilograms, not rubles.

It became possible to open a metal account with Sberbank in 2002, and today this type of deposit is gaining increasing popularity. This investment option is the most profitable, since you can perform a number of operations with the account itself (open, close, cash out partially or completely at any time). The owner of such an account simply deposits funds into the account, and the bank automatically converts them according to the internal selling rate.

There are two types of compulsory health insurance:

1. No interest or current. This type of compulsory medical insurance is also called “on demand”. The income of the owner of such an account is formed only from the increase in the exchange rate value of gold bars (or other precious metals). At the same time, you can both withdraw and replenish your account, thereby maneuvering in the precious metals market. Such an account is opened by those who want to quickly make money on changes in the prices of gold or other precious metals.
2. With interest accrual, or deposit (term). Here the investor's income is formed differently. The client is paid interest and the resulting increase in the price of gold or other precious metal. Moreover, today banks offer different interest rates, which depend both on the weight of the metal and on the term of the deposit itself. Naturally, the longer the term, the more profitable the investment. The duration of such an investment is limited in time. You can lose interest on the investment and, accordingly, part of the profit if you terminate the contract early. A deposit deposit is suitable for those who are not looking for quick profits and are ready to wait for a stable income.

Thus, if the question arises about how to invest money in gold, the best solution would be to open a compulsory medical insurance. Such deposits are not taxed; the main risks for storing precious metals fall on the bank itself.

Conditions for opening a gold deposit in a bank

After choosing exactly how to store money in gold, you need to open a deposit. Remember that you should invest in gold only in reliable and large banks that have special instruments to accurately measure the weight of bullion and their authenticity.

Let's look at how to open a gold deposit in Sberbank below. In general, such a deposit is opened in almost the same way as a cash one.

The conditions for opening a deposit are as follows:

1. An identification document is required (usually a passport).
2. Certificate from the Federal Tax Service on registration, that is, tax identification number.
3. Standard form application for opening a storage deposit.
4. An order for the bank to accept gold or other precious metal.
5. An agreement signed by both parties, which specifies all the terms of the deposit, opening and closing dates, interest, obligations of the parties, etc.

Only adults have the right to open deposits in Sberbank in gold. However, this rule applies to any other banks in Russia. Today, Sberbank offers to open similar deposits for minors. Legal representatives (parents, guardian) can open a compulsory medical insurance account for their child. If a minor decides to open such an account, then the written consent of his legal representatives must be provided.

You can deposit bullion into the deposit of precious metals in Sberbank, purchased from the bank itself or from any other. The bullion that the depositor had is also accepted for safekeeping, provided that the relevant documents for them are provided.

A fee is charged for servicing a metal account in banks. For example, for opening or closing, for maintaining a safekeeping deposit and for a number of other services provided by the bank.

Advantages and disadvantages of investing in gold

Let's consider what advantages and risks exist when opening gold accounts with Sberbank.

The benefits of such savings:

1. The first thing worth noting is the simplicity of the deposit. Such an account can be opened and closed many times (provided that it is not a deposit account). The procedure for buying and selling metal is simple and quite understandable.
2. Replenishment of an impersonal account and reverse conversion are not subject to tax.
3. Free account opening and maintenance.
4. No restrictions on the size of investments.
5. There is no need to store precious bullion, organize their transportation, obtain certificates, etc.

Disadvantages of such investments:

1. When withdrawing funds from an impersonal deposit in gold, that is, converting savings into bullion, the investor will need to pay VAT in the amount of 18%.
2. Such deposits are not subject to insurance. If the bank goes bankrupt or the license is revoked, the depositor will not be paid anything. Therefore, it is necessary to take a very responsible approach to choosing a bank.

Thus, storing virtual gold in deposits with Sberbank is by far the safest option. The bank has long established itself as a reliable and stable partner. The work of Sberbank is constantly monitored by the Central Bank of Russia. A huge network of branches allows you to make similar investments in Sberbank almost throughout the country.

Whether it is worth keeping your savings in gold bars, coins, jewelry or opening impersonal accounts, each consumer decides for himself based on his experience, capabilities and willingness to take risks. Today, many banks offer various types of metal deposits. In any case, with all the existing shortcomings and disadvantages, this type of investment is the most profitable and aimed at long-term prospects. Specialists and experts do not recommend standing still and waiting for changes in the financial situation in the country and the world. You can and should think about tomorrow now. Thus, a gold deposit opened in Sberbank is a profitable and safe form of investing money in your future.

There are plenty of options for investing free funds. Along with risky stock, foreign exchange market, mutual funds, there are also risk-free bank certificates. Credit institutions also offer their clients deposits in gold.

Kinds

Metal accounts are divided into two types: custody accounts and In the first case, an individual buys a gold bar and transfers it to the bank for safekeeping. In the second case, the invested funds are simply tied to virtual metal. The cost of the deposit changes in the same way as the gold rate.

Buying an Ingot

This type of investment is accompanied by a package of documents. In particular, the client is given a certificate (form 377-k), which indicates all the information about the investment: the number of bars, their weight, fineness, series, price per ounce. It will be possible to sell bullion in the future only if this receipt is provided. It is interesting that in the Russian market not all banks involved in the sale of bullion buy metal from clients. Moreover, when selling “foreign” metal, the bank requires confirmation of ownership rights (that same receipt 377-K). Although the situation is not yet so critical. In Ukraine, for example, banks buy “other people’s” bullion at a discount of 20-30%. This category includes metals that have the name of the bank in the inscription.

Peculiarities

Bullion must be stored correctly and safely. It is also not safe to leave the bullion at home because not every bank is ready to buy out “someone else’s” bullion. The bank charges an additional fee for the storage service. Fingerprints, burrs, and scratches immediately reduce the selling price of the product. The presence of serious defects may be a reason for refusal to purchase.

Ingots should be stored in plastic or polyethylene transparent packaging. You also need to immediately find out whether the type of packaging affects the purchase/sale of metal. Some banks purchase bullion only in branded packaging. Damage to the container also results in a reduction in the value of the ingot. According to bankers, in this case the metal loses its attractiveness. The bank may refuse to accept such bullion, since the issue of their further sale raises a lot of problems. Although some institutions in such a situation buy the ingot at the price of scrap.

Investments in gold are not insured. In the event of bankruptcy of a financial institution, the client will not be able to return his funds.

When buying and selling bullion you will have to pay VAT. If the sales price grows rapidly, then in a few years the profit from the sale will cover the losses from the unrefunded tax. You can save on tax by purchasing metal coins. Their price depends not only on the cost of the metal, but also on international quotes and exchange rates. Investing in coins is more profitable than investing in metal.

Spread

It is clear that the price for buying and selling metal will be different. The actual spread on the market could be 13%. But the banking sector is highly competitive. Therefore, the difference in price can reach 30%. The purchase price, contrary to popular myth, in the Russian Federation is not much different from the world. The difference is 2-3%.

The price of an ingot is also affected by the presence of a quality mark: Argor, Degussa, Umicore. This stamp certifies the metal sample and identifies the manufacturer. The latter refers to refining companies recognized as suppliers to the London precious metals market. 25 out of 60 companies in the world have this reputation. The highest class status is awarded by the London Market Association (LBMA).

Compulsory medical insurance

Compulsory medical insurance is an alternative to the stock market. The client buys virtual precious metal. All information about the investment is displayed on an impersonal account. The owner can make a profit from the resale of bullion or in the form of interest on the deposit. The bank hands over to the client not the metal, but documents confirming ownership. The deposit is made not in monetary terms, but in grams. With the right approach, trading in gold can bring up to 50% profit in a year. But to do this, you need to focus not only on bank interest rates, but also independently analyze the market.

Nuances of investing

First of all, you need to select the account type. It is better to open time deposits in gold with interest accrual than regular ones. Even if the price of metal increases significantly during the contract period, you can always terminate the contract early, losing part of the interest.

Interest is subject to personal income tax (13%). If the client withdraws a deposit in the form of cash, then the bank itself assumes the functions of a tax agent in calculating the collection amount and transferring funds to the budget. If the client takes the metal ingot, he will have to file a tax return and pay the fee himself.

Investments in gold Sberbank

Sberbank was the first to offer deposits in the Russian compulsory medical insurance market. At that time, gold, silver and platinum bars of different weights (from 1 gram to 1 kg) were on sale. The demand for small denomination metal was so high that there simply was not enough bullion.

And today the largest financial institution in the country also provides services for opening and maintaining metal accounts. Sberbank does not provide deposits in gold in all regions and branches. Therefore, the first thing you need to do is find a branch on the bank’s website that works with compulsory medical insurance. To conclude a contract, the client must provide his passport.

Sberbank also sells gold (metal deposits) upon receipt of an electronic application from the Internet banking system. To register it, you need to log in to your personal account, go to the “Deposits” section, select the “Open account” item, indicating the “Impersonal” type. At the next stage, you need to select the type of metal, indicate its weight and account number for debiting funds. This is how Sberbank deposits gold via the Internet. The rate is set automatically taking into account quotes. To confirm the application, you need to click on the “Open” button, check the correctness of the specified data and “Confirm” the form. You can also manage your account through your personal account.

Price for metal deposits

The gold rate today and for any period of the past can also be viewed on the bank’s website. To do this, on the main page you need to select the “Quote” item, the “Metals” value and indicate the time period of interest. If you wish, you can also view the price archive. The bank does not charge interest on compulsory medical insurance. Profit is generated due to rising metal prices.

Advantages

• Metal deposits are practically not getting cheaper. Gold goes up in price over the long term. The demand for this investment increases greatly in times of crisis. People are trying to save their accumulated funds by investing them in reliable financial instruments.
• When closing an account, the client can receive a gold bar or the value of the deposit in monetary terms. But in this case you will have to pay VAT in the amount of 18% of the deposit amount.
• On regular accounts, profit is formed when prices rise.
• The purchase and sale transaction is completed instantly, without additional operations. There is no fee for opening and maintaining an account.
• Even a minor citizen (under 14 years old - with the permission of his parents or guardian) can open an account.

Banks that offer deposits in gold can only bear one type of risk - physical deterioration in the quality of the metal. Gold, like any other metal, is subject to physical wear and tear. Even fulfilling all requirements for metal storage cannot save you from this. In the long term, the price of gold is constantly increasing. The decline in the value of the dollar, the world's main currency, is encouraging central banks to replenish

Conclusion

Trading on the market is not for the faint of heart. In the long term, investing in gold can bring real income. Whether it is profitable to invest in OMS bullion, each investor decides for himself. All other things being equal, an investment in compulsory medical insurance will bring more profit to the investor than buying a bullion.

With economic instability and fluctuations in exchange rates, many investors resort to this type of profit making, such as investing in precious metals. Such methods are available to the population thanks to banks. The leader in the field is Sberbank, which offers various deposits in gold, silver, palladium and platinum.

The steady rise in gold prices over the years has made investing in the metal very popular. The yield on such deposits significantly exceeded the deposit rate. At the same time, in the short term the situation was not always favorable.

Sberbank provides the following ways to invest in gold:

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

An unallocated metal account (UMA) is a type of account that displays the purchased metal in grams. When opening an account, you pay its cost according to the bank’s internal quote. If you want to withdraw funds, the calculation is made at the exchange rate at the time of sale.

Despite the name, this type of account is not actually a deposit. Because it does not guarantee profitability. By opening it, you become not a depositor, but an investor, and bear the corresponding risks.

In addition to compulsory medical insurance, clients are offered the opportunity to buy and sell gold bullion Their weight can be from 1 gram to a kilogram. Silver bars are sold in weights from 50 grams to a kilogram, while palladium and platinum are sold in weights from 5 to 100 grams. Investing in this case means that you buy bank gold, and after a while you sell it, receiving income. But you can also sell your own gold bars, including depersonalizing them by crediting the value of the accepted metal to compulsory medical insurance.

Purchased bullion can be left for free storage at the bank. In this case, a certificate and documents confirming the purchase and transfer are issued. Gold bars are often bought as an original gift, and you can give either the bar itself or a certificate for it.

Another type of investment in gold is buying gold coins. Sberbank offers commemorative and investment coins. The first ones are purchased in most cases for gifts. They are often decorated with semi-precious and precious stones, designs and decorated in original ways. Investment coins are issued in large quantities and are intended for investment. Their cost is tied to the price of the metal, so, unlike commemorative ones, they have no collectible value and are cheaper. The price of investment coins is not subject to VAT.

Opening conditions

Investment in gold occurs under the following conditions:

• gold deposits can be opened by individuals and legal entities;
• the metal account is opened in grams;
• opening and maintaining an account is free;
• the minimum weight of gold in bullion and on accounts is 1 gram;
• maximum weight of a gold bar – 1 kg;
• transactions with precious metals are carried out throughout Russia, but in a limited number of branches;
• There is no interest on metal accounts; income is generated solely from changes in quotes;
• with compulsory medical insurance you can receive physical metal, and also hand it over by depositing it into an impersonal account;
• There are no restrictions on the number of transactions, accounts can be replenished and reduced many times;
• gold bars can be left in the bank for free storage;
• the metal account agreement is concluded for a year with automatic renewal;
• ingot quality 999.9;
• Gold deposits are not insured by the Deposit Insurance Agency.
• Gold compulsory medical insurance transactions can be carried out in minimum increments of 0.1 grams;
• purchased coins can be sold back to the bank.

Requirements for depositors

To purchase gold bars and coins, you must go to the department dealing with precious metals with your passport. Investors in metal accounts can be:

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

You can issue a notarized power of attorney to another person to manage a metal account. If the account is opened for a minor, then not only a power of attorney is required, but also the notarial consent of the legal representative. Expense transactions on accounts for a child under 14 years of age require permission from the guardianship authorities.

Is it profitable to invest in gold?

When buying metal, you need to remember, by analogy with exchange rates, about the difference in quotes for sale and purchase. At the same point in time, the bank buys gold or other metal from you cheaper than it sells. Therefore, in order to benefit, you must wait for a significant increase in the rate.

If you make a purchase and receive a gold bar, you will have to pay 18% VAT. And the benefits from compulsory medical insurance are subject to income tax, which you must declare and pay for yourself. But if the bullion remains in storage at the bank, VAT is not required to be paid, only upon actual receipt.

Investments in gold can bring much higher returns than a regular deposit.

The monthly increase in value sometimes reaches 5-8% , and the most profitable deposit is rarely offered 7% annual income. But if you look at the dynamics of exchange rates, you can find periods of negative dynamics. In particular, from the autumn of 2012 to the winter of 2013, gold prices fell significantly against the ruble.

You also need to take into account that Sberbank quotes for metal accounts are expressed in rubles, and on world markets trading is carried out in relation to the dollar. Therefore, the dynamics of national quotations largely depends on the exchange rate of the national currency. A slight drop in the value of gold in dollars when the ruble depreciates will increase losses on gold compulsory medical insurance.

Taking into account all the factors, we can conclude that long-term investment in gold is advisable and there is a high degree of risk and dependence on stock market speculation.

Pros and cons of deposits in gold at Sberbank

Considering the above, we can summarize the pros and cons of deposits in gold at Sberbank. The advantages are:

1. High potential profitability.
2. There are no restrictions on deposits and withdrawals.
3. There is no need to pay VAT on impersonal accounts, since there is no physical sale of precious metals.
4. High liquidity; physical or impersonal metal can be exchanged for money at any time.
5. The account can be opened in the name of the child.

The disadvantages include:

1. Lack of insurance for deposits in DIA.
2. The investor bears the entire risk of losses from the fall in gold prices.
3. The need to pay personal income tax on your own.
4. Lack of guaranteed profitability (interest on deposit).
5. When physically receiving bars and coins, you must pay 18% VAT.

Investments in gold can bring both high income and a real probability of losses. The long-term outlook shows a stable increase in the gold rate, but the economic situation in the world does not support the reliability of any forecasts. At the same time, the high liquidity of the investment allows you to quickly respond to changes in the market situation. Therefore, investments in precious metals are currently considered a profitable and fairly reliable way to increase capital.

In Russian realities, gold has always been and remains the main way of saving capital for the population. Distrust in the ruble is due to constant financial crises and devaluations in Russia. And the US dollar also cannot be considered a store of value. The American currency is not backed by anything. The media constantly reports on the huge US national debt.

Today, any citizen of the country with any income can invest in the yellow metal. There are many ways to invest. From buying physical gold. So is investing in “paper” gold – financial instruments based on the price of the metal.

Pros and cons of investing in gold

Minus investing in yellow metal is the non-productive nature of this investment. Such an investment does not provide ongoing payments to the investor, unlike deposits, real estate or shares. Having once bought gold, in order to earn money, an investor must wait until the price of his asset begins to rise. And you can wait a long time. Decades.

Pros of investing in gold is its worldwide recognition. This metal is a generally accepted measure of value and wealth. And because of the cyclical nature of the economy, when economic shocks occur several times a decade, investing in gold helps preserve investor capital when money and other assets sharply lose value.

How to invest in gold? Investment methods

Investment in physical metal. The most reliable way to invest in gold is to buy the metal. In Russia you can buy:

• coins;
• ingots;
• Jewelry.

Buying and selling coins and bars can be done at banks. Jewelry is bought in jewelry stores.

The most profitable way for an investor to purchase and sell metal is through coins. The sale of coins is not subject to VAT (18%), unlike bullion.

The least profitable is the purchase of jewelry. The price of jewelry includes the costs of the store, the expensive work of a jewelry maker, and the price also includes the artistic value of the product. But it is possible to sell the jewelry for the price of scrap.

Investment in paper gold. With the development of financial markets, there are more and more ways to make money on gold. Banks, investment companies and the stock exchange offer a wide range of investment instruments.

Unallocated metal accounts. The most widespread instrument in our country is Unallocated Metal Accounts (UMA) in a bank. The investor's income or loss depends on the current settlement price of gold. The main thing to remember is that compulsory medical insurance deposits are not insured by the state. Therefore, it is better to conclude a compulsory health insurance agreement with banks and government participation. The price for buying and selling metal is set by the bank (spread). The cost at the bank differs from the estimated price of the Central Bank of Russia by several percent.

Gold mutual funds. Mutual funds that invest shareholders' money in foreign exchange-traded funds focused on the price of metal can be purchased from management companies. Some management companies are subsidiaries of large Russian banks. Management companies charge a fee for managing mutual funds of up to 5% per year of the amount of assets, and not all clients’ money is placed in foreign funds. Part of the money is kept in accounts so that clients can return the money upon request. Therefore, the profitability of mutual funds will lose to the dynamics of metal prices.

Buying gold on the stock exchange. The MICEX offers several instruments through which you can invest in precious metals: company shares, futures contracts, purchasing gold on the foreign exchange market and the precious metals market, ETFs.

To work on the Moscow Exchange you must have a brokerage account.

Gold ETF- This is an analogue of a mutual fund. The only difference is that ETF shares are traded on an exchange and the management fee, purchase or sale commissions do not exceed 1%. The return on ETFs due to lower costs is significantly higher than that of mutual funds.

Buy gold futures possible on the Derivatives Market of the exchange. A futures contract is a derivative financial instrument. When the price of gold rises, then futures rise as well. Futures are a futures contract. It has a closing date when it is settled. The contract period is three months or six months. When the closing date of a futures contract comes to an end, you need to sell and buy a new futures contract for a new period. Therefore, you will have to track the execution time of contracts.

The futures rate almost always tracks the price level on the world market. And the investor’s income is generated by the difference in price between the purchase and sale of gold futures. At the same time, the costs are minimal. You must have several thousand rubles in your account for guarantee coverage. The investor also spends on exchange and broker commissions.

Buying gold on the exchange similar to buying currency. By purchasing metal this way, the investor will have the metal in his forex brokerage account. The minimum purchase and sale amount is 10 grams - 1 lot. Thus, for the purchase you need 20,000-25,000 rubles. Exchange instrument GLD/RUB.

By purchasing metal on the exchange, you can subsequently receive it physically. Part of the precious metal is located in the storage of the National Clearing Center (part of the Moscow Exchange Group) in the form of bars.

Investments in shares of gold mining companies one of the ways to invest in gold. On the Russian market you can buy shares of companies that produce it in Russia.

Investing in company shares has advantages over other investment methods. By its nature, gold is not a productive asset. It does not generate cash flow or profit on its own. Investment profit or loss arises from pricing in commodity markets, as well as from investor expectations and the actions of central banks. By purchasing company shares, you become the owner of a gold mining business - a shareholder. Shareholders receive part of the company's profits in the form of dividends.

By owning company shares, an investor can count on making a profit regardless of the price of raw materials. Business is aimed at profit in any market situation. If the price of metal falls, the company will reduce costs. Reduce production, fire personnel, invest less in new fields. But overall the company will be profitable. And shareholders will receive dividends in an environment of low commodity prices. Of course, company shares will lose value if the price of gold is low. But the investor will constantly receive money that compensates for losses, unlike investing in “physical” or “paper” gold in other ways.

Having considered the pros and cons of investing in gold, let's look at the profitability.

Return on investment in gold

Is it profitable to invest in gold? Despite the fact that it is not an essential item for a person like food, energy, real estate, investments in gold over the long term show consistently good returns. The economy and financial markets periodically fall into a phase of crisis, and the eternal metal becomes a safe haven for investors. Gold is popular among conservative investors, due to the fact that the modern world monetary system can only print money that is not backed by anything. The more money is printed, the more an ounce of precious metal is worth in that money.

Earnings from gold are not constant. But for Russia, investing in this metal is especially important. Its price is set in US dollars. And with the national currency prone to devaluation, the price of gold in rubles is constantly growing in the long term. If you invest 100 rubles in gold at the end of 1997, then at the end of 2015 the investor would receive 3,944 rubles. This result is associated with the devaluation of the ruble in 1998 and especially in 2014-2015. Other types of investments showed the following dynamics: real estate 2,732 rubles; shares (MICEX index) RUB 2,059.

Review of investing in gold

As I wrote above, gold is not a basic necessity. According to the latest data, it is mined more than is needed for the jewelry industry and electronics manufacturers. But it is a means of accumulating savings for national banks. The world's population is growing. The population of third world countries will gradually become richer and will consume gold in the form of jewelry.

1. Physical gold in the form of coins. In the amount of a six-month consumption budget. In the event of any apocalypse, it was possible to live until a bright future.
2. The remaining investments are divided into 50% of the gold portfolio into “Paper” gold.

Buy gold through the Moscow Exchange to a brokerage account. It is as reliable as in Sberbank OMS. The shareholder of the Moscow Exchange is the Central Bank of Russia and state banks, including Sberbank. At the same time, the exchange and broker commissions are about 1%. And not 12%, as is sometimes the spread at Sberbank on compulsory health insurance accounts.

Shares of gold mining companies. Dividends will smooth out periods of decline in metal prices. It is worth choosing companies that regularly pay dividends.

At the same time, you should not postpone investments and save up for coins, and deal with the order of the stock exchange. Already now, part of the income can be invested in gold. You can start at compulsory medical insurance. Gradually move to other instruments. For example, we saved up 25,000 rubles for compulsory medical insurance. The account was closed. We bought a coin. At the next cut-off, we bought gold on the stock exchange. Then we invested in shares.

Investments in gold at Sberbank are not the most profitable. Compulsory medical insurance accounts are offered not only by Sberbank. But also other state banks, where the difference between buying and selling is less than in Sberbank. I like the offer of Gazprombank, where they add another 1% to the compulsory medical insurance account.

And when buying jewelry for yourself or as a gift, pay for the metal, and not for the beauty of the product. If necessary, the pawn shop will give you more money for jewelry where the weight of the metal is greater than the patterns.