Where to store savings. How to invest in gold in Sberbank

It is best to store your savings for the long term in gold bars or coins. Russian economic analyst Mikhail Khazin told about this in an interview with journalists, a correspondent reports.

“Long-term investment - I don’t see anything better than gold yet. Just think about what you can bury in the garden for 20 years, and then dig it out so that it’s worth something. There have never been cases where gold could not be sold or exchanged, and this "It's gold, not jewelry. Either gold coins with certificates, or gold bars. In general, a person who takes care of this can figure it out in two weeks," Khazin said.

In his opinion, today there is inflation both in the dollar and in the euro. Therefore, making long-term investments in these currencies, Khazin believes, is stupid. "If you take 100 euros or a thousand euros, bury it in a glass jar in the garden and dig up this jar in 15 years, then you are unlikely to buy something with them, you will buy two boxes of matches for them, for example," he gave an example expert.

"If you take 100 euros or a thousand euros, bury it in a glass jar in the garden and dig up this jar in 15 years, then you are unlikely to buy something with them, you will buy two boxes of matches for them, for example," he gave an example expert

"But if we are talking about saving up before the holidays, then this is absolutely normal. At the same time, in order to secure all these short-term fluctuations, we need a basket of currencies. That is, yuan, yen, dollars, euros, rubles. The main thing is so that there are many of them and then the mutual fluctuations are extinguished," the Russian analyst added.

As for securities, according to Khazin, one must be able to work with them and be able to understand world processes. Just like that, mindlessly investing your money in them can be very reckless, the analyst believes.

In order for your financial balance to always be positive, you need not only to be able to store money correctly, but to be able to make it work for you. To date, the most effective financial instruments are stocks, currencies and precious metals. Of the precious metals, gold is considered the most popular. Investing in it is really profitable, but you need to understand that this is a long-term investment, so you should not expect profit in the near future. It will also be a mistake to purchase gold with the last money. Experts advise buying gold for a period of ten years or more. The precious metal should become that emergency stock that will always be in your financial portfolio. Its share in this case can be on average from 5 to 10%.

Benefits of gold savings

The main feature of gold is that it has long periods of volatility. For example, in the 1980s, the fall in the price of the precious metal was observed for almost ten years. Only upon reaching the peak point, the cost began to slowly creep up. That is why it makes no sense to count on quick profits when dealing with gold. Now many are beginning to buy metal in the hope of capitalizing on fluctuations in the exchange rate. However, in this situation, only speculators participating in investment trades can benefit. Those who buy gold “for the future” should be patient and wait, not trying to sell it at the slightest increase in its value.

How to open an account

In Russia, clients most often enter the gold market by buying gold bars. But there are several problems here:

• in our country, a person who purchases a precious metal must pay a tax fee of 18%;
• ingots begin to "work" after at least ten years or more. Only in the long term can we expect the value of gold to rise against other currencies.

But the main advantage of investing in gold is that savings in precious metals do not depreciate even in the event of large-scale economic and political upheavals.

In this material:

In the current crisis period for our economy, when the national currency is rapidly falling, many people are wondering: how, if not to increase, then at least to save the funds that are already available? Some out of habit sweep away household appliances and other goods from store shelves, someone believes in the country's financial system and stubbornly opens ruble deposits, but someone is looking for new ways to save their capital.

One of these methods has long been a deposit in precious metals. That is, a bank account is opened not in any currency, but in the equivalent of a precious metal, and interest is charged on the metal, and not on the amount of the deposit. Despite the unusual way of saving money, thousands of people use this opportunity. Platinum, gold and silver are among the most popular banking metals. Platinum is very expensive, although its value has been steadily growing for many years, silver, on the contrary, is very cheap, so if it comes to saving a large amount, you will have to buy a lot of silver. The most popular metal is gold. Let's see if the game is worth the candle and whether it is worth investing in gold this year. What is the best metal to invest in?

One of the obvious advantages of such deposits is the absence of sharp fluctuations in the value of metals. That is, any currency in the world is subject to various cataclysms, and can literally lose several points of value in just a few days, while precious metals usually rise in price and fall in price smoothly. This also explains the slow growth or fall of gold prices on world markets. It turns out that investments in precious metals are often more profitable than foreign currency deposits, but only on condition of long-term investments. If you plan to make a deposit for several years or even decades, gold will be an ideal tool for making money. If the approximate term of the deposit is a year or several years, then most likely the bank commission will absorb all your benefits.

Regarding the prices for the yellow metal today, it is worth paying attention to the opinions of market experts. Thus, the cost of precious metals usually has periods of stable growth and stable decline, and these processes are constantly repeated. If you look at the statistics for the past 8-10 years, it becomes clear that after reaching a peak price of about $ 1,800 per ounce in 2011, gold began to become cheaper, reaching today's price of about $ 1,100 per troy ounce. But analysts insist that this is not yet the bottom of the fall - judging by all indicators, gold will approximately reach the mark of 1000-1050 dollars per ounce, and only then will it start to grow. Be that as it may, only growth will continue, and no one knows how fast it will become. It is only clear that if you want to invest in gold bars, you need to do it now or in the very near future.

If you are wondering which metal is better to invest in, then you should study all possible options in detail. In addition to gold, platinum and palladium are considered good metals to save their money. The price of these metals is not subject to strong changes, which means that you are guaranteed a stable income from such a deposit. Only now their cost is higher than gold, and it is problematic to find such metals for purchase. Thus, gold becomes one of the most attractive and profitable long-term investment instruments. But what type of investment in gold should you choose to get the maximum profit? Today, deposits in precious metals have several main forms:

• Jewelry and gold items.

Impersonal metal account

All methods have both obvious advantages and serious shortcomings. For example, an unallocated metal account is probably the best option in terms of deposit security, because a reliable bank will not go anywhere. However, it is worth remembering that when you close your account, you will have to pay 13% tax on profits that are received from interest. (As a rule, banks charge a small percentage for CHI - from 0.25 to 3% per annum). Income received as a result of an increase in metal prices is not taxed. Another unpleasant moment is that banks are free to set quotes themselves, without relying on the prices of the Central Bank. And of course, the commission for services - with a short-term investment, these expenses can absorb the lion's share of your profits.

Gold bars

Gold bullion can be bought at any major bank, and you can make a profit by selling the metal after a certain time, when its value increases. A significant drawback of this option is that when you buy an ingot, you will pay VAT 18% of the cost of the metal, and when you sell the VAT, you will not be refunded. Thus, the actual cost of the ingot will be 18% higher. In addition, the ingot must be stored somewhere to protect it from theft.

Decorations

Jewelry and items made of yellow metal remain. As an investment, jewelry can hardly bring you money, since the initial cost of any product includes the work of the master, and not just the price of the material. If you want to sell your jewelry after a while, you will encounter such a problem that everyone will only offer the price of gold scrap, and not the real cost of the product. This nuance will not affect jewelry that has historical or artistic value, but there are very few such products.

By deciding to invest in gold, you are making the right decision. But it is worth considering all the subtleties and nuances of this issue before spending your savings, and then your deposits will definitely bring you profit!

Coin catalog

All existing coins can be found in our database using a convenient search.

any Australia Austria Austria-Hungary Azerbaijan Andorra Armenia Bahamas Barbados Belarus Belgium Bulgaria Brazil Vatican United Kingdom Hungary Venezuela Virgin Islands Gabon Gambia Ghana Germany Gibraltar Hong Kong Greece Dominican Republic Egypt Israel Iran Spain Italy Kazakhstan Cayman Islands Cameroon Canada Katanga Kyrgyzstan China Colombia Congo Costa Rica Cuba Liberia Lithuania Luxembourg Mexico Monaco Niger Netherlands Niue New Zealand Norway Cook Islands Alderney Isle of Man St. Helena Cook Islands Palau Peru Russia Rwanda Senegal Singapore Solomon Islands Somalia USSR Sudan USA Tokelau Tuvalu Tunisia Turkey Uganda Ukraine Fiji Finland France Chad Czech Republic Chile Switzerland Equatorial Guinea South Africa Yugoslavia Japan

ALL- Investment coins Commemorative and ancient coins Russia and the USSR Tsarist Russia Coins of the countries of the world before 1941 Coins of the countries of the world after 1950 Foreign Ingots and granules Commission

ALL- Silver Gold Platinum

ALL- half a kopeck 1 kopeck 2 kopeck 3 kopeck 5 kopeck 10 kopeck 15 kopeck 20 kopeck 50 kopeck 1 ruble 2 ruble 3 ruble 5 ruble chervonets 10 ruble 25 ruble 50 ruble 100 ruble 150 ruble 200 ruble 1,000 ruble 10,000 ruble 20 ruble 500 ruble RUB 5,000 RUB 15,000 RUB 25,000 RUB 50,000 RUB 100,000

ALL - gold only silver only copper, nickel platinum 999/1000 nickel-plated steel nickel silver copper, zinc/copper, nickel silver 925/1000 - gold 999/1000 brass/copper, nickel copper-nickel alloy brass/copper, nickel silver 900/1000 - gold 900/1000 steel with brass galvanic coating silver 900/1000 silver 900/1000 - gold 900/1000 brass silver 500/1000 gold 900/1000 - silver 900/1000 gold 999/1000 silver 925/1000 silver 925 /1000/gold 999/1000 gold 900/1000 palladium 999/1000 gold 900/1000 - silver 925/1000 brass/cupronickel silver 999/1000 copper, zinc/copper, nickel cupronickel nickel silver/brass brass/nickel silver silver 925/1000, gilding

Extra options

ALL- 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 201 5 2016 2017 2018 2019

150th anniversary of the beginning of the era of the Great Reforms 250th anniversary of the General Staff of the Armed Forces of the Russian Federation 250th anniversary of the founding of the State Hermitage Museum 70th anniversary of the defeat of the Nazi troops by the Soviet troops in the Battle of Stalingrad 90th anniversary of the All-Russian physical culture and sports society "Dynamo" Series: 1150 anniversary of the founding of the city of Smolensk Series: 150th anniversary of the birth of A.P. Chekhov Series: 20th anniversary of the adoption of the Constitution of the Russian Federation Series: XXVII World Summer Universiade 2013 in Kazan Series: Architectural masterpieces of Russia Series: Golden Ring Series: Golden Ring of Russia XXII Olympic Winter Games and XI Paralympic Winter Games 2014 in Kazan Sochi No series Outstanding sportsmen of Russia (football) Geographical series: 1st Kamchatka expedition Geographical series: 2nd Kamchatka expedition Geographical series: Exploration of the Russian Arctic Geographical series: Development and exploration of Siberia, XVI-XVIIth centuries Geographical series: The first Russian Antarctic expedition Geographical series: The first Russian round-the-world trip Geographical series: Russian explorers of Central Asia Geographical series: Expeditions of G.I. Nevelsky to the Far East in 1848-1849 and 1850-1855. Investment coin Historical series: 100th anniversary of the unity of Russia and Tuva and the foundation of the city of Kyzyl Historical series: 1000th anniversary of the unity of the Mordovian people with the peoples of the Russian state Historical series: 1000th anniversary of the founding of Kazan Historical series: 1000th anniversary of Russia Historical series: 200- anniversary of Russia's victory in the Patriotic War of 1812 Historical series: 200th anniversary of the birth of M.Yu. Lermontov Historical series: 200th anniversary of the birth of N.V. Gogol Historical series: 200th anniversary of the birth of Pushkin Historical series: 2000th anniversary of the founding of Derbent, Republic of Dagestan Historical series: 300th anniversary of the founding of St. Petersburg Historical series: 300th anniversary of the Battle of Poltava (July 8, 1709) Historical series series: 400th anniversary of the militia of Kozma Minin and Dmitry Pozharsky Historical series: 625th anniversary of the Battle of Kulikovo Historical series: 700th anniversary of the birth of St. Sergius of Radonezh Historical series: Andrey Rublev Historical series: Russia's contribution to the treasury of world culture Historical series: Dionysius Historical series: The history of Russian money circulation Historical series: To the 300th anniversary of the voluntary entry of Khakassia into Russia Historical series: To the 350th anniversary of the voluntary entry of Buryatia into the Russian state Historical series: To the 400th anniversary of the voluntary entry of the Kalmyk people into the Russian state Historical series: To the 450th anniversary of the voluntary entry of Bashkiria into Russia Historical series: To the 450th anniversary of the voluntary entry of Udmurtia into the Russian state Historical series: A window to Europe Historical series: Theophanes the Greek Historical series: The Age of Enlightenment. 18th century International Coin Program of the EurAsEC Member States A set of commemorative coins: 300th anniversary of the Russian Navy A set of commemorative coins: 50 years of the Great Victory Commemorative coins dedicated to the Victory in the Great Patriotic War of 1941-1945. The feat of Soviet soldiers who fought on the Crimean Peninsula during the Great Patriotic War of 1941-1945. Sberbank 170 years Outstanding Athletes of Russia series (Skaters) Series: 100th anniversary of Russian football Series: 100th anniversary of the Witte emission law Series: 1150th anniversary of the birth of Russian statehood Series: 150th anniversary of the Bank of Russia Series: 300th anniversary of the Russian Navy Series : 50th Anniversary of the Victory in the Great Patriotic War Series: 50th Anniversary of the Victory in the Great Patriotic War 1941-1945. Series: 70th Anniversary of the Victory in the Great Patriotic War of 1941-1945. Series: 70th Anniversary of the Victory of the Soviet People in the Great Patriotic War of 1941-1945. Series: 850th Anniversary of the Foundation of Moscow Series: Diamond Fund of Russia Series: Architectural Masterpieces of Russia Series: Bark Kruzenshtern Series: Armed Forces of the Russian Federation Series: Outstanding Personalities of Russia Series: Outstanding Generals and Naval Commanders of Russia Series: Outstanding Generals of Russia Series: Outstanding Athletes of Russia ( Speed ​​skating) Series: Outstanding athletes of Russia (cross-country skiing) Series: Outstanding athletes of Russia (Artistic gymnastics) Series: Outstanding athletes of Russia (hockey) Series: Cities of military glory Series: Cities - capitals of states liberated by Soviet troops from Nazi invaders Series : Judo Series: Ancient Cities of Russia Series: Wildlife of the EurAsEC Countries Series: Winter Sports Series: 1998 Winter Olympics Series: Signs of the Zodiac Series: History of the Russian Navy Series: History of Russian Aviation Series: Red Book Series: Legends and Fairy tales of the EurAsEC countries Series: Lunar Calendar Series: Russian Olympic Age Series: Russian Architectural Monuments Series: Commanders and Heroes of the Patriotic War of 1812 Series: Russian Federation Series: Russia in the UNESCO World Cultural and Natural Heritage Series: Russia at the Turn of the Millennium Series: Russian ballet Series: Treasury of World Culture Series: Let's Preserve Our World Series: Sport Series: Battles and Significant Events of the Patriotic War of 1812 and Foreign Campaigns of the Russian Army of 1813-1814 Series: Capitals of the EurAsEC Member States Series: Jewelry Art in Russia Symbols of Russia Sports Series : XXIX Summer Olympic Games (Moscow) Beijing) Sports Series: World Race Walking Cup (Beijing) Cheboksary) Sports Series: Sambo

Hello dear readers. I'm willing to bet that each of you is interested in the question of how to keep your capital as securely as possible in the face of rapid inflation.

There is no need to be a financial analyst to understand the need to withdraw funds from a rapidly depreciating monetary form into stable tangible assets, such as precious metals.

Let's talk about how to store money in gold and whether it is effective in terms of generating income.

This metal, unlike any national currency, is able not to lose its value for many centuries. This is due to its small world reserves and the complex and expensive extraction process.

Even our ancestors widely used gold coins as a means of payment. Even then, the presence of this metal determined the status of a person and opened up wide life opportunities for him.

They searched for gold, they died and killed for it. Later, the irrationality of using the expensive to buy cheap goods became clear, and gradually it began to be withdrawn from the money circulation.

Nevertheless, even today gold remains a stable means of payment, allowing not only to save capital, but also to increase it. Especially this trend justifies itself during economic periods, when the national currency is rapidly losing its purchasing power.

At this time, not only private investors are turning their eyes to this metal, but also the governments of entire states are striving to replenish the country's gold reserves as a reserve currency.

According to the quotes of the last decade, the price of a gram of gold bullion has increased by almost 300%. Not surprisingly, long-term investment in gold promises excellent prospects.

What are the alternatives for a potential investor

Having decided to invest in this precious metal, you have several options:

Buying jewelry

Their acquisition helps to emphasize the status, and in many eastern countries it is considered a mandatory manifestation of feelings for a spouse.

Is investing in jewelry profitable in terms of investment value? Definitely not. The thing is that their high price is formed not so much due to the cost of the metal, but due to the work of the master.

If he is not a world-famous designer, this will not be taken into account in any way when selling jewelry, which will go at the price of ordinary scrap.

It is precisely because of the significant difference between the sale and purchase prices that “jewelry” should be considered as an investment only in case of a sharp devaluation of the currency and there are no other alternatives for investing capital.

This does not apply to collectible or vintage jewelry. They are regarded as rare and antique pieces whose value is determined by their uniqueness rather than their actual value.

Investments in "golden" shares

This method, like investing money in ordinary securities, is impossible without the mediation of an investment company and involves two ways:

• Buying shares of gold mining companies for the long term. The goal is to receive dividends and profits from the subsequent sale of securities that have grown in price.
• Getting speculative income from the growth of quotations of "golden" shares in the short term. This option requires the ability to analyze the current situation on the stock exchange and cannot be recommended to the general public.

Given that the amount of gold in paper form far exceeds its physical amount, playing with stocks can be very risky.

Buying gold coins

Any banking institution is ready to offer its customers to purchase gold coins, which can be:

• investment;
• commemorative.

Investment coins are issued by the Central Bank of the Russian Federation in large quantities. Thanks to a simplified minting technology, their value is almost equal to the price of gold itself and does not correlate with the indicated denomination.

The purchase of coins is not taxed, while the sale will have to pay personal income tax.

You can sell coins to a bank, a pawnshop, an individual or jewelers who buy them for raw materials.

Considering this option as an investment, it should be remembered that it can only bring benefits in the long term, since the difference between the purchase and sale prices is at least 20%. Therefore, it is worth waiting for the increase in the price of gold.

Commemorative coins are issued in a limited edition and imply a more complex production algorithm. This, as in the case of jewelry, leads to an overestimation of the value of the coins, compared to the price of the metal used. Therefore, they are usually of interest only to numismatists.

Purchase of bank bullion

The sale and purchase transaction is executed at the bank in the presence of a passport or other document proving your identity. In this case, it is necessary to make sure that the ingot has a stamp indicating the sample and the manufacturer.

Also, a cash receipt, a passport and a manufacturer's certificate must be attached to the ingot.

When buying a bank bullion, the following points should be considered:

• It is more profitable to purchase small bars, since the price of a gram of gold in them is higher. Therefore, if you need to buy a kilogram of metal, break it into several ingots.
• You will have to pay VAT at the rate of 18%. You can avoid this by purchasing gold abroad. In the UAE, for example, bars are sold simply in street vending machines. But then you should take care of storing them there, because it will be possible to introduce an ingot into the territory of the Russian Federation duty-free no more than once a month and in a monetary equivalent corresponding to a weight of less than 100 grams.
• It is worth taking care of the options for storing the ingot, since it is unreasonable to put it under the mattress at home. You will have to issue a safe deposit box, a safekeeping agreement or purchase a safe for personal use.

As for the return on my investment, I would recommend selling bullion not earlier than after one and a half rise in price. This is because banks buy back bullion with a spread between buying and selling, reaching up to 40%.

You will also need to pay for an examination of the authenticity and quality of the ingot. Therefore, this gold investment, in terms of payback, belongs to the category of long-term ones.

You can try to win a little in price by selling bars to jewelers who have the necessary permission. But transactions between individuals are prohibited (But no one can prevent you from giving your friend an ingot for his birthday, and a little later receiving free financial assistance from him).

Opening a metal account

In fact, this is a deposit, the currency of which is gold. Moreover, you are buying not a physical, but an impersonal form of metal at its current value on the world market.

The advantages of this investment method are:

• low entry threshold: an account can be opened even for a gram of gold;
• no need to pay VAT;
• no need to take care of storing the actual precious metal;
• ease of exchange for cash.

There are two types of metal accounts:

• Urgent - allow you to receive interest with an increase in the value of gold and at the end of the term to withdraw a deposit in the form of an ingot or cash equivalent. If you prefer bullion, remember to pay VAT.
• Current - make it possible at any time to sell your impersonal gold at the current bank rate. This allows you to receive speculative income from exchange rate changes.

Please note that you should open metal accounts only in a reliable bank, preferably with a share of state ownership.

This is due to the fact that gold deposits are not subject to compulsory state insurance, therefore, in the event of the liquidation of a financial institution, you will lose your money.

As you can see, there are enough options for storing savings in gold. But which one to choose is determined by many factors, ranging from the amount of cash available to the time during which you are ready to expect a profit.

I wish you to make the right choice that will improve your financial well-being. On this I say goodbye to you and invite you to join the ranks of my subscribers.

P.S. By the way, now it is possible to buy shares and other assets without leaving home through, as well as open an individual investment account (IIA) remotely.
To buy a small block of shares for trial, you can use the button below:

Buy shares online

In this material:

Gold is the most liquid asset in the world. Moreover, throughout the history of the market, the price of the precious metal has risen relentlessly. As a result, increasing the level of funds invested in it. Let's figure out how to invest in gold and is it worth investing in it?

What motivates investors to invest in gold: reasons

Investing in gold is a recognized way to diversify finances. Buying gold allows you to reduce the risk of depreciation in times of high inflation, to receive a steady income during strong financial disasters.

Gold, as mentioned above, is the most liquid asset in the capital market. It can be sold at any time by transferring it to any world currency, in the shortest possible time frame.

Benefits of investing in gold:

1. The most stable asset with constant growth in value;
2. An excellent insurance tool against the consequences of global financial and political crises;
3. High rate of profitability;
4. High liquidity ratio;
5. Universal diversification asset.

Many opponents of investing in gold argue that the precious metal is not able to provide a significant indicator of profitability in comparison with various securities, financial derivatives (derivatives) and debt obligations that are traded on the financial market. However, as history shows (the crisis of 2008), with accurate calculation and the right time, profits can reach 90 percent of the initial investment.

Opportunities to invest in gold

For obvious reasons, people's investment in gold is not as common in Russia as it is abroad. But recently this tool of earnings has become more accessible. Banking organizations offer many investment services, and among them is the purchase of precious metals.

Buying gold bars

The purchase of gold bars is the most well-known way of investing money. However, like all other investment instruments, buying a gold bar has its own specific features.

An ingot of gold is a pure chemical element with a fineness of 999.95. Two main types are produced: stamped and cut off ingot (from large sheets). In the vast majority of cases, gold bars have a round weight. The most typical values ​​(in grams): one, ten, one hundred, one thousand. Not so long ago, gold bars appeared the size of a regular credit card (ChipGold), weighing from 1-20 grams.

When buying a gold bar, you should definitely pay attention to whether any contamination is observed in it. It is important to check the documentation (manufacturer's passport and certificate). The following must be indicated on the cashier's check:

• purchase price;
• The weight of the gold bar;
• The amount of purchased metal;
• Serial number;
• Try;
• Name of noble metal;
• The time of the transaction.

Today there are two types of quality classification: excellent and satisfactory. Each gold bar must comply with GOST R 51572-2000.

Opening of OMS (impersonal metal account)

Among the advantages of using CHI as an investment tool is the absence of storage costs. The thing is that when opening an impersonal metal account, the client does not receive precious metal in his hands. All gold is stored in special vaults of the bank. Also, CHI is not subject to personal income tax. There is no need to pay VAT.

Before opening a metal account, the following requirements must be met:

• Select a bank, check for licenses;
• Check the reputation of the bank, because not a single metal account falls under the deposit insurance program for individuals;
• Find out what types of gold deposits the selected bank offers. The legislation of the Russian Federation spelled out two possible options;
• Prepare all required documents for opening CHI (identification account, passport);
• Find out if you will not need to pay additional money for maintaining an unallocated metal account. According to the current legislation, VAT does not need to be paid.

In most cases, the opening of CHI is free. The only cost incurred by the depositor is the spread between the buy and sell price (at the time of account cancellation). One of the disadvantages of this method of investment is an insignificant percentage of accrual (up to two percent) or its complete absence. An impersonal metal account is perfect for speculative transactions in order to make a profit.

Buying gold coins

The acquisition of investment and anniversary gold coins is one of the most effective ways not only to protect your funds from the harmful effects of inflation, but also to earn a considerable amount of money.

Advantages:

• No need to pay VAT;
• Do not depend on changes in state legislation;
• Are not subject to the reliability of the banking sector;
• Opportunity to earn double profit.

Flaws:

• Low liquidity;
• Overpriced, possible loss in case of urgent sale;
• Storage costs.

Investing in gold coins has specific features, especially when compared to buying gold bars or opening a CHI. The price of gold coins is made up not so much of the current quotes of the precious metal on the market, but rather the level of demand. In the vast majority of cases, the date of issue of the coin, its circulation and appearance play an important role. Before buying gold coins, it is best to look at the reviews of those who have already worked with similar investment vehicles.

Purchase of precious metal in Sberbank

In Russia, market relations began to develop actively in 1997. Today, there are a significant number of financial operators on the market offering opportunities to invest in gold. The register of the Central Bank of the Russian Federation contains about two hundred banking organizations that have licenses for operations with precious metals. In this example, consider the possibility of buying gold in Sberbank.

Sberbank offers its clients both standard and measured gold bars. Each is produced in Russia with a mass of one to a thousand grams. As in any other financial operator, the cost of gold in Sberbank is higher than the current OMS quotes.

The process of buying gold at Sberbank is simple. All that is required from the client is an identity document. On the part of Sberbank employees, all transactions (with precious metal) are carried out only in the presence of the client. Legal issues at the time of buying gold are provided by Sberbank.

In Sberbank, you can also purchase bullion, depersonalized metal accounts (OMS), investment coins. Also, special lockers are available in Sberbank, with a small cost of renting them.

Profitable gold buying strategy

There are two ways to trade gold - hedging risks, and buying for profit. As stated above, gold is an ideal defensive asset against the financial turmoil of the world. In the vast majority of cases, investors acquire the precious metal in order to diversify their assets, or to protect themselves from the harmful effects of rising inflation. All of these methods involve extracting extremely low levels of profit.

However, despite the seemingly “calm nature” of gold as an investment instrument, one cannot make great money on it. The principle is simple - buy low, sell high.

The main driver of the value of each asset is the volume of transactions. Today, the main buyers of the precious metal are:

• Jewelry workshops;
• Exchange-traded funds;
• High-tech companies;
• Central banks of the world.

Before finally deciding to invest in precious metals, it is important to determine the following parameters:

1. The ratio of supply and demand (who buys, who sells);
2. Dynamics of production volumes (if there is a glut of the market, the price will not grow);
3. The economic situation in the leading countries of the world (in the vast majority of cases in the United States).

Having determined all of the above components, you can make a purchase decision.

A striking example of a profitable investment in gold is the financial crisis of 2008. At the beginning of the crisis (November 2008), the cost of one troy ounce of gold was $762. Over the next three years, the value of the precious metal rose by more than 100 percent to $1,762 (August 2011). But what contributed to such a rapid rise in the price of gold?

Gold price dynamics

Financial cataclysm, uncertainty, bankruptcies - a huge number of banks, investment funds and government regulators around the world began to shift their assets into gold, in fear of losing their capital. The level of demand for the precious metal was several times higher than the available volume on the market. An ideal situation for profitable investment in precious metals.

Similar situations occur in different financial markets with a frequency of four years (according to the well-established theory of crisis phenomena). However, even in calm times, you can make money by buying and selling precious metal using a simple “Corridor trading” strategy. Now, due to the crisis, we are again seeing a decline in gold prices and this is a good time to invest in it. It is important to catch the moment when the fall ends and the rise begins.

Conclusion

When deciding to buy a precious metal, you should always conduct a thorough and rigorous analysis, weigh all the risks and opportunities, and always take into account the following:

• The cost of gold does not always rise, there are times when the price begins to correct and decline;
• Novice investors should not use short-term gold trading strategies. The best choice is long-term;
• Always work with licensed resellers. There are many financial pyramids and scammers on the market.

You should also be wary of buying securities of gold mining companies that do not have their own reserves of the precious metal. This may indicate a lack of production results, and as a result, a decrease in the value of shares on the market.