The official gold rate in Sberbank of Russia for today

Demand for precious metals from investment funds, banks and individuals is always close to feverish. This is due to the constant increase in their cost. This way of saving and increasing money is profitable and reliable. Many financial institutions in the country sell specific products. However, today the gold rate at Sberbank of Russia is the most favorable.

What are impersonal metal accounts?

An impersonal metal account is a special account that reflects the amount of precious metal that belongs to a bank client. Its important feature is the lack of information about a specific metal manufacturer, its sample or ingot number. At the same time, the client is given the opportunity to purchase or sell metal in a jar without unnecessary formalities in the form of checking the ingots or their physical transfer from hand to hand.

In other words, compulsory medical insurance represents the right to own a precious metal, which is not accompanied by the need to search for it on the market, receive, store, check its condition and other rather burdensome and specific functions. All of the above responsibilities are assumed by the bank, which is convenient and beneficial for both parties. The client receives a reliable option for investing and saving money, and the bank gets the opportunity to attract additional financial resources.

What metals can be purchased through compulsory medical insurance?

Sberbank offers 4 types of precious metals that can be purchased for placement on compulsory medical insurance. These include:

• gold (traditional designation – Au, minimum purchase size – 0.1 g). The most famous and frequently used precious metal. It is its value that often determines market trends, despite the active development of the stock and other financial markets. Therefore, it is not surprising that the gold account is the most popular among Sberbank clients;
• silver (traditional designation – Ag, minimum purchase size – 1 g) Most often, it is used as a budget analogue of gold. Less valued due to greater production, which is approximately 4.5 times higher than that of gold;
• platinum (traditional designation - Pt, minimum purchase size - 0.1 g) The third most popular and in demand precious metal. In terms of density, platinum is comparable to gold and alloys well with it, while being noticeably cheaper. The consequence of this is the frequent counterfeiting of gold bars using melts of two metals. When opening compulsory medical insurance, the client does not need to understand such issues, since all problems are solved by the bank, which is an important advantage of an impersonal metal account;
• palladium (traditional designation - Pd, minimum purchase size - 0.1 g) The rarest and most recently discovered of the metals presented. One common use is to alloy it with gold, which suddenly changes color and becomes “white.”

How to store bullion

The issue of storage fades into the background for a novice investor. Having bought a gold record, a person goes to extremes:

• buries it in a glass jar under an oak tree (by the way, it is now the one standing tall among the birches. And in 20 years, the clearing will be overgrown with growth so that every tree will have to be uprooted. Draw a map: if not from sclerosis, then at least for posterity);
• puts it in the freezer or in the chicken, and then freezes it (condensation will settle between the gold plate and the protective shell - the packaging will be damaged);
• sticks it with tape in the ventilation hole, to the back/bottom wall of the furniture;
• attaches with a magnet to the back wall/bottom of the bathtub;
• throws it into the aquarium;
• makes a hole in the wall.

But buying a small safe and properly mounting it in the wall is probably expensive.

If you decide to use similar tips when purchasing gold, ensure the safety of the packaging. Otherwise, you will have to sell it back to Sberbank at a reduced price.

By the way, having bought a gold bar at Sberbank, you can leave it there for storage.

Advantages of storage in Sberbank

Sberbank offers gold storage services to those who have purchased coins and bars. Luring:

• professional equipment with fire safety;
• 24-hour security;
• ease of buyback;
• possibility of quick access to a bank safe deposit box.

Of course, a bank is better protected than an apartment. And a rented safe deposit box is safer than a shoebox. But... Sberbank does not guarantee the safety of property inside such a safe. Therefore, after purchasing bullion, you need to put the gold in a cell for inventory. Mandatory in the presence of a notary. Otherwise, it will not be possible to prove anything in the event of theft (and this has happened).

PS On some websites, among the listed advantages of storing in Sberbank, I see an extensive network of branches and offices. Guys, the safe will be kept in one place. No one will transport the cell around the country. The ability to share is also rather a disadvantage. If you quarrel with your significant other, he will grab what he has accumulated out of anger.

Correct packaging of ingots

Measured gold bars are sealed in thick plastic bags.

I have several bars and little storage space. I layer the layers of the golden pyramid with a sheet of paper and thick cardboard. These are standard storage rules. It is absolutely ideal to place the ingots in a specially equipped box made of wood (not birch), the inside of which is lined with velvet.

It is better not to violate the sales packaging when purchasing a bullion: the bank will buy it at a reduced price.

Storage of metal ingots purchased outside the SB of the Russian Federation

It happens that bars from other countries are sold and bought without protective packaging. In this case, a case with internal soft walls is required. If there is nothing, but you need to transport it somehow, carefully wrap each block in paper and place cardboard between the two.

Attention: a box equipped with carrying handles cannot contain more than 50 kg.

How to make money on compulsory medical insurance?

The easiest way to make money on compulsory medical insurance is quite obvious. It is implemented according to the following scheme:

• first, the purchase of one or more metals opens compulsory medical insurance;
• then the dynamics of price changes for any of the purchased precious metals is monitored;
• when quotes increase, the deposit in the metal is sold in whole or in part, resulting in a profit due to the difference with the purchase price.

Naturally, this is the most general description of the procedure for possible earnings on compulsory medical insurance. It is important to note that making a profit is not always the goal of opening an impersonal metal account. In some cases, a potential Sberbank client is guided by other important advantages when deciding to open a compulsory medical insurance, which are discussed in more detail below.

Dynamics

The features of the precious metals market and price changes on it are clearly shown by comparing the dynamics of two key parameters - the price of a troy ounce of gold (the traditional measure of weight for this metal, equal to 31.1035 grams) and the domestic MICEX stock exchange index. To obtain a more objective picture, it is advisable to consider a fairly long period - from 1998 to the current year. The first indicator is indicated in US dollars, the second - in traditional points.

Analysis of the diagram clearly demonstrates several important points:

• with a stable financial and economic situation in the country, the dynamics of the price of gold is practically not inferior to the growth of the stock exchange index;
• when any crisis occurs - 2 of them (in 1998 and 2008) are shown in the diagram, the third (in 2014) is not marked, but is also clearly visible - the rise in gold prices rapidly overtakes the index, which collapses no less quickly;
• The huge difference in dynamics during crises allows gold to easily compensate for a slight lag during times of economic growth.

Based on the analysis, several obvious conclusions can be drawn:

• gold (like other precious metals, the dynamics of which are generally similar) is a much more reliable asset than stock market shares;
• when forecasting crisis phenomena, it is advisable to transfer assets into precious metals;
• With a steadily growing Russian economy, it is reasonable to retain part of the assets in gold and other metals, which will provide a so-called safety cushion and safety of funds in any development of events. Moreover, not everyone is able to predict crises;
• Regardless of the situation on the financial markets and in the economy, investing in gold is the most guaranteed asset, reliably preserving the owner’s funds and often allowing him to earn money.

The general conclusion with which most experts agree is the following. Gold and other precious metals in the form of compulsory medical insurance from Sberbank do not always allow you to earn a lot, but they guarantee a fairly stable income. At the same time, they will definitely eliminate the loss of the owner’s savings.

History and purchasing process

It was not always possible to purchase precious bullion or open a metal account. Bank operations with such investment instruments have been permitted since 1997. Now the vast majority of these institutions offer clients interaction when purchasing not only silver and gold, but also platinum. Many private investors choose the largest and oldest Savings Bank in the country. With its help, a buyer in Moscow or Chelyabinsk, Tomsk or Kursk will receive all the advantages when performing transactions based on experience and leading positions in the financial market.

Based on the preferences of clients, the organization sells them bars weighing up to 1 kilogram and accepts them for temporary storage. Any operations with valuable metals are carried out on the basis of a license and on a permanent basis. You can find out the cost of gold in Sberbank today at the nearest branch or online on the official website.

All measuring units comply with modern standards of domestic refineries.

Is it worth investing in compulsory medical insurance?

The decision to open a compulsory medical insurance largely depends on the preferences and needs of a potential Sberbank client. In any case, it is necessary to carefully consider the main advantages of such an investment of financial resources. First, we need to list the most important advantages of investing in precious metals:

• safety of savings. The above arguments clearly demonstrated how confidently price quotes for gold and other precious metals behave even during the most serious crises;
• profitability. In the long run, investing in precious metals always pays off. Moreover, quite often they bring returns that exceed any alternative investment options with much less risk;
• liquidity. Demand for gold, silver, platinum and palladium is always stable. Over time, it only grows and is practically independent of increased production volumes and other factors.

In addition to the obvious advantages of investing in precious metals, it is imperative to note several impressive advantages regarding the opening of compulsory medical insurance at Sberbank. Among them:

• completely eliminating the risk of loss or theft of precious metals. This is the key advantage of OMC compared to coins or bars;
• ease of transactions with compulsory medical insurance. The functionality of Sberbank Online allows you to sell or buy the required amount of the desired metal within 2-3 minutes. To complete the transaction, no documents are required, all information is located in the client’s personal account of the client’s online service, and payment is made from his card;
• no costs associated with transactions with bullion or coins. In this case, we are talking about searching for metal, preparing a large number of documents, storing and other similar actions. Do not forget about the taxation of such transactions, which further increases costs;
• ease of control. Compulsory medical insurance opens once - upon the first purchase of precious metals. The validity period of a metal account is unlimited, which eliminates the waste of time on unnecessary formalities.

Where can I buy bullion

Bullion can be purchased at a branch or branch of a financial institution with a certificate from the Assay Chamber of the Russian Federation.

Let me remind you: buying/selling transactions on the black market with gold plates and bars is illegal. And gold-plated tungsten coated with a polyethylene shell is not the most profitable investment.

Which Sber divisions carry out transactions with precious metal bullions: list with addresses and telephone numbers

Sberbank suggests choosing the nearest branch on the website. The IP address is taken into account here, which is inconvenient when you plan to buy gold in another region.

You can find out more information by calling 900 (number for mobile devices for all branches) or going to Sberbank branches. Here are a few:

A complete list of branches where you can buy gold is available for download on the Sberbank website.

Which metal is better to invest in?

After deciding to open a compulsory medical insurance, you need to decide which precious metal is most appropriate to buy. There is one fairly simple piece of advice, which is as follows. The most reliable and at the same time effective strategy on the market is investment diversification, which involves purchasing different investment products.

The above rule is fully applicable to the precious metals market. Therefore, for beginners who do not have a sufficient set of skills and abilities to navigate the intricacies of the market, the easiest way is to purchase several different metals at once. Moreover, there are no additional costs compared to purchasing one precious metal.

The necessary conditions

In order to become the owner of a compulsory medical insurance, you must be a client of Sberbank and have a card issued by a financial institution. This is a prerequisite, since all operations for the purchase and sale of precious metals are performed directly in Sberbank Online from the card balance.

Step-by-step instruction

Sberbank offers two ways to open an impersonal metal account. The first involves a personal visit of the client to the bank’s office. In this case, you must contact an employee of the institution and follow his instructions.

However, the second option is much more often used. It provides for the following client actions:

• authorization in the Sberbank Online service. To do this, you need to follow the link from the main page of the financial institution’s portal;
• go to the section “Metal accounts”;
• selecting the desired metal from 4 possible ones;
• filling out the form that opens, which allows you to create compulsory medical insurance;
• studying the terms of cooperation proposed by Sberbank and agreeing with the parameters of the agreement with the financial organization;
• confirmation of purchase of the selected precious metal.

Detailed instructions on opening compulsory health insurance are provided on the Sberbank website. There is also an alternative option for moving to the opening form.

Where can I monitor price dynamics?

Sberbank provides several convenient tools for clients to work with impersonal metal accounts. First of all, we are talking about a page with quotes for precious metals. It contains comprehensive information from which the user has the opportunity to find out:

• the current cost of buying and selling any of the four precious metals;
• the dynamics of its change compared to the previous trading session;
• dynamics of changes in metal prices for any calendar (month, quarter, six months, year) or period randomly selected by clients, starting from 08/19/2016;
• graphs of price changes.

The client is given the opportunity to print any of the charts. In addition, the page contains a link to a profitability calculator, which allows the client to make the necessary calculations about the profitability of various investment options.

Using a convenient online calculator, the user has the opportunity to calculate the profitability of purchasing any of the precious metals based on the invested amount. Calculations are performed taking into account the existing dynamics of quotes and clearly demonstrate what profit could be obtained by investing funds in a particular time period.

The profitability calculator allows you to get an idea of ​​the profitability of such an investment instrument as an impersonal metal account. In addition, it helps to better study the characteristics of the precious metals market in the short and long term. That is why for beginners who have just opened compulsory medical insurance, it is extremely important to carry out several calculations and understand the principles of operation of both the calculator itself, which will be useful in the future, and the entire market segment.

Taxes on compulsory medical insurance

To date, there is no well-developed regulatory framework regarding the taxation of impersonal metal accounts. As a result, even experts in finance and taxes do not have a common opinion on how to correctly calculate and pay taxes on possible income or property. Moreover, it is not always clear who exactly should do this - the bank or its client.

Most experts believe that only income from exchange rate differences received from the sale of precious metals to a bank should be taxed if the purchase price exceeds the purchase price when the compulsory medical insurance is valid for more than 3 years. In this case, income must be declared by the client himself at the end of the year, after which tax is calculated and paid.

It is important to note that there are no other taxes - VAT, property taxes, etc. – you don’t need to pay, which is an important advantage of such operations. At least according to most experts. Moreover, it is possible to close the account every three years.

In any case, it is necessary to understand that the opening of compulsory medical insurance and related transactions with precious metals is not the most interesting topic for fiscal services. It should be recognized that this is also a significant advantage of the impersonal metal account of Sberbank.

Pros and cons of a metal account at Sberbank

A standard disadvantage of an impersonal metal account is the lack of compulsory insurance, as is customary for ordinary bank deposits. However, in relation to Sberbank, this shortcoming is difficult to recognize as real, given the stability of the financial situation and the organization’s place in the domestic economy. Another possible disadvantage is the instability of precious metals prices in the short term. But even in this case, it must be recognized that any other alternative investment options are inferior to gold and other precious metals in this indicator.

Otherwise, opening a compulsory medical insurance at Sberbank provides the client with several significant advantages, including:

• safety of investments not dependent on inflation;
• reliability of a deposit in the country's largest bank;
• ease of opening an account;
• no need to store bars or coins;
• high level of asset liquidity;
• a convenient scheme for performing transactions with precious metals using a Sberbank card and remote service services;
• stable income that the client receives in the long term.

What can you do with a gold bar if necessary?

Gold is usually bought for this purpose so that in case of a crisis situation it can be quickly sold. Ingot can be:

• sell back to Sberbank;
• sell to another bank;
• lay;
• transfer to compulsory medical insurance;
• take a loan against it (if the weight and value at the time of valuation are sufficient to consider the bullion as collateral);
• export to another country.

If you want to buy jewelry from a private craftsman and have gold teeth installed, the gold bar will become the raw material (it will be melted down).