Online charts of the compulsory medical insurance rate in Sberbank of Russia for today + quote dynamics and forecast

I am glad to welcome my readers again! Precious metals are an asset that always remains valuable and even rises in price during crises and cataclysms, which cannot be said about money. But it comes with many inconveniences. You need to store the bullion somewhere (some are still buried in dachas), but it won’t be possible to sell it today even in case of urgent need. Fortunately, information and banking technologies provide us with an alternative.

The compulsory medical insurance rate at Sberbank today is an unstable thing. Today gold falls in price, tomorrow it rises in price - it seems that it is too late to buy it, because yesterday it was cheaper. But what if in a week it will cost 30% more?

Online course schedule

Theoretically, you can buy metal blindly and wake up a billionaire the next morning. In practice, very few people in history have succeeded in doing this. If we want to save money and increase it, it is worth familiarizing ourselves with exchange rate fluctuations and their dependence on the state of the world economy.

Gold

Despite periodic ups and downs, the gold rate is growing steadily. Since 2000, its cost per troy ounce has increased from 300 US dollars to more than 1,000, rising to almost 2,000 in 2012.

Silver

Some experts consider silver to be an undervalued metal. There is actually much less silver on the market than has been mined in the history of mining. This is due to the fact that most of it is used for industrial needs. Nevertheless, silver today is included in the list of precious metals and is also considered a profitable investment.

Palladium

Palladium is a metal needed by the mechanical engineering industry. Its center in Russia is Chelyabinsk and the Chelyabinsk region. Demand for it is stable, because even in times of historical turning points, people need cars, machine tools, electronics and medical equipment. All this means that there is no need to fear a depreciation.

Platinum

Platinum is the rarest of the four investment metals and the three that perform a monetary function (palladium coins appeared only in 1966 and were not in active circulation). In 2015, at the peak of its value, it was more expensive than gold. However, those who did not cash out their platinum accounts in hopes of future growth were mistaken: the growth was followed by a sharp decline. Nevertheless, today platinum is more expensive than before 2015.

Dynamics in recent years

By 2021, experts predicted an increase in the price of metal assets, linking the rise in exchange rate with the escalation of the trade confrontation between China and the United States. By mid-2021, this war reached its climax - both states imposed duties on the import of goods, the amount of which amounted to billions. The conflict has not yet been resolved; negotiations on the situation are ongoing.

Contrary to forecasts, all metals fell in price, and the owners of compulsory health insurance felt this for themselves. Perhaps the reason is that the dollar has strengthened in the global foreign exchange market.

If we take statistics over the last 10 years (from 2009 to today), we will see that all metals have risen significantly in price, despite repeated drops and increases in exchange rates, sometimes sudden and large. See how this happened in the graph:

Gold, Silver and Platinum Quotes from TradingView

What is an impersonal metal account and what metals can be purchased

An impersonal metal account (abbreviated as OMS) is a financial instrument that allows citizens today to open a fixed-term (deposit) or perpetual (demand) deposit. It differs from a ruble or foreign currency deposit in that it is settled in grams of precious metal, and not in monetary units.

The investor thus becomes the owner of silver or palladium, but only virtual. When carrying out operations under compulsory medical insurance, the individual physical qualities of the metal are not taken into account: the number of ingots, sample, manufacturer, serial numbers. However, it will not be possible to withdraw funds from compulsory medical insurance in the form of real metal.

When opening compulsory medical insurance, the investor is traditionally offered 4 metals to choose from:

• Gold.
• Silver.
• Platinum.
• Palladium.

Conditions and procedure for placing precious metals in Sberbank of Russia

To open a gold account online in 2021, you can seek help from one of the 8,500 branches that work with compulsory medical insurance. You can find the nearest one on the interactive map of branches. Don't forget to select the correct filters in the settings.

Owners of the Premier VIP package can consult with a personal manager about impersonal metal accounts.

The process of opening compulsory medical insurance for individuals is quite simple. Necessary:

1. Log in to the bank's website or mobile application.
2. Go to the “Metal Accounts” section.
3. Fill out a short form.
4. Read the contract, agree to its terms and confirm your intention.

The account is provided for an unlimited period, but carefully read the agreement and terms of service. Opening and closing compulsory medical insurance is free, the bank takes money only for issuing a certificate and accepting/issuing physical metal.

An impersonal account is not available to all categories of residents of the Russian Federation. The following can become the owner of “virtual” metal:

• Adult citizens. You will need an ID and Taxpayer Identification Number.
• If the client is under 14 years old, then legal representatives are needed.
• Investors aged 14-18 will need parental permission in writing.

With an active account you can:

• Sell ​​and buy metal.
• Top up your balance with a bank card or by exchanging physical bullion.
• Close an account. To do this, you need to sell all the accumulated metal to the bank. To close an account online, all you need is an account.

It is worth noting that transfers between different accounts cannot be made. If an investor has several active “storages”, then it will not be possible to collect the entire balance in one place.

Sberbank provides quite favorable conditions for investing in metals. Any client, even an inexperienced client in banking, can go through the opening procedure.

How the price is formed

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The cost at which metal is purchased today for compulsory medical insurance is not taken out of thin air and depends not only on the Sberbank exchange rate. The initial (first) price is set by the London Precious Metals Exchange (LME) based on the results of trading by the main participants in the world market (today there are 13 companies). Every day at 14:00 Moscow time on weekdays, the Central Bank of Russia publishes precious metals rates on the official website cbr.ru. Quotes of the Central Bank of the Russian Federation are formed on the basis of quotes from the London Stock Exchange.

The metal exchange rate according to the Central Bank of the Russian Federation also depends on the second factor - the ruble exchange rate to the US dollar today. The fact is that the exchange sets the price in US dollars per ounce, and the Central Bank - in rubles per gram. An ounce is always equal in mass to ~31.1 g, which cannot be said about the ruble, because its exchange rate is constantly changing and has been especially unstable in recent years. Therefore, even with the same price of gold on the LME, the rate of the Central Bank of the Russian Federation today may differ quite significantly from yesterday.

The quote on cbr.ru is the second price. There is also a third one - the one that the end consumer, a private investor (for example, me or you) focuses on. The bank, as a commercial organization, works to make a profit, so it slightly changes the price assigned by the Central Bank. Gold and silver are bought from the population at a price below the exchange rate, and sold at an inflated price. The difference - the spread - is the bank's profit.

The law does not regulate the procedure for determining the spread for compulsory medical insurance, so in theory, Sberbank can set any prices. Fortunately for you and me, there is interbank competition, and an organization that sets a draconian sale price will simply be left without investors.

Sberbank adheres to the “golden mean” principle in relation to the spread - this is one of the reasons why depositors choose it to open compulsory medical insurance. The second reason is the reputation of Sberbank. In the minds of the majority of the population, he is reliable enough to trust him with funds.

Features of premium service

The Premier program takes the quality of customer service to a new level. VIP status has the following set of advantages:

• Personal manager who is an expert in the field of banking. The employee is responsible for an individual approach and is ready to advise on all financial issues. In addition to consultations, the manager helps in managing financial assets;
• Separate service area in bank offices. A special territory allows VIP clients not to waste their time in queues. All problems are discussed individually in a confidential format;
• Dedicated telephone line. The support line operates 24 hours a day and helps program participants resolve problems as they arise. The hotline number is different for residents of Moscow and regions;
• Banking products on favorable terms. The premium program covers a wide range of financial products: investments with high rates, preferential credit cards, support from highly qualified specialists);
• Consultations with a personal lawyer. Thanks to customer service, the user can receive legal advice on any issues around the clock. Conducting consultations, possibly online, without visiting the office.

Forecast

Today, most experts believe that precious metals will continue to rise in price, but there will not be a sharp increase in the exchange rate. They present both arguments related to all metals (mainly geopolitical) and individual ones (increasing inflation of paper money, finite reserves of precious metals).

For example, there is a version that by the end of 2021, platinum will practically displace palladium from the production of autocatalysts. This will lead to an increase in its demand, and consequently to a strengthening of its position.

Advantages and disadvantages of compulsory medical insurance

Compulsory medical insurance, like any financial instrument, has its pros and cons. The advantages of a metal account include:

• High liquidity with relatively low risks.
• No costs for transportation and storage of ingots.
• No need to pay VAT.
• Relatively small spread.
• Absence (most often) of bank commissions.
• Low entry threshold (from 1 gram for current compulsory medical insurance).

Flaws:

• There is a problem with interbank transactions under compulsory medical insurance (if you opened an account with Sberbank today, you will not be able to transfer metal to VTB).
• Inability to transfer grams from one compulsory medical insurance to another.
• You will have to file a tax return yourself.
• Lack of insurance.

The last minus is the most significant. He is one of the reasons why most investors in compulsory medical insurance today choose Sberbank: in conditions when you can lose everything, reliability becomes more important than profit.

What type of deposit is better to choose?

All three listed methods of investing in gold can be conditionally considered financially equivalent according to the following criteria:

• the investor cannot count on current dividends;
• all hope for profit is connected with the future rise in price of the precious metal;
• The acquisition of gold, physical or “paper”, takes a long time.

The options demonstrate approximately the same profitability, but when choosing between bullion, coins and compulsory medical insurance, their specifics should be taken into account.

If an investor is a numismatist, then he can, with a certain probability, predict an increase in the value of some coins, taking into account not only the weight characteristics, but also the collection value.

Storing bullion at home is only possible if you are confident that your home is reliably protected from the risks of theft.

The conditions for placing a gold deposit in Sberbank PJSC may change in favor of the client if quotes on world markets show steady growth. In this case, there is a chance that dividends will be paid, albeit small. True, the gold account will have to be reissued.

As for the entry threshold, it will be the highest for coins. The minimum weight of an ingot is only one gram, and even a person of modest means can purchase such an amount.

The smallest step of a gold transaction at Sberbank is only 0.1 grams. The minimum deposit for opening a compulsory medical insurance is one gram. It is difficult to imagine a coin with such weight.

It should be borne in mind that investing in precious metals is advisable only when investing a significant amount, measured in tens, hundreds of thousands and millions of rubles.

How to make money on compulsory medical insurance

If you have chosen a speculative strategy, then you will have one tactic that has not changed since the first money appeared. Buy cheaper, sell more expensive - that's the whole secret. The only difficulty is predicting the course - even experts tend to make mistakes.

There is complexity. If you often withdraw money and buy metal again, the profit can be offset by the bank spread.

What does profitability depend on?

First of all, it depends on the type of compulsory medical insurance. He can be:

• Deposit (urgent).
• On demand (current).

In the first case, it will not be possible to withdraw money from compulsory health insurance before the deposit expires, and the income will consist of interest accrued on the account. It is advisable to establish deposit compulsory medical insurance for a long period - 3 years or more.

Today, it is impossible to open an urgent compulsory medical insurance at Sberbank, but for general education it is worth knowing about this, because the bank may revise its conditions - not today, then tomorrow.

The current compulsory medical insurance can be replenished unlimitedly, as well as withdrawal of funds. It does not accrue interest, and the trader’s benefit depends on exchange rate fluctuations and the ability to manage the deposit.

Profitability depends on the chosen metal. For example, if you bought gold, platinum or silver in September 2021, you still would not have received a percentage of the profit. But a bet on palladium would bring almost 3,000 rubles from 10,000.

Profitability of gold deposits

Unlike cash deposits, financial institutions do not charge interest on compulsory medical insurance and real gold deposits. Therefore, profitability is driven only by rising gold prices. In general, such growth may be more profitable than standard Sberbank deposits.

What is the maximum income you can expect?

Short-term deposits will be more likely to be unprofitable, but by placing a deposit for a period of more than 3 years, you can earn money. There have been spikes in the recent past where gold deposits have yielded returns of up to 80%. Between 2004 and 2021, the real annual rate of return on investments in this metal was 8.5%. This means that the asset not only outperformed inflation, but also brought profit.

Ways to get maximum profit:

1. Purchase of assets.
2. Trading on the stock exchange.
3. Purchasing shares of gold mining companies.

Watch a video with experts about whether you should invest in gold.

Taxes on income under compulsory medical insurance

An investor who has opened a fixed-term compulsory medical insurance should not worry. The bank itself acts as its tax agent, which at the end of the year transfers the due percentage of the depositor’s income to the Federal Tax Service.

With the current compulsory medical insurance, and Sberbank today offers only this option, it is more difficult. Since the income from it is unpredictable (it may not exist at all), the trader will have to file a declaration independently. The scheme for calculating profits received from changes in exchange rates is simple: the obligation to pay tax arises only when the deposit is closed.

The fact that you filed a declaration yourself will not allow you to be recognized as evading personal income tax.

Service cost

“Sberbank Premier” provides two tariffs - free and with a monthly fee of 2,500 rubles (30,000 rubles per year). Free use of the program is possible in two cases:

• During the grace period - regardless of the amount in the account. The period starts after registration of the VIP package from the bank;
• If there are 2.5 million rubles on the balance sheet at the beginning of the next month, the balance is assessed on the last day of the current month.

Paid connection to the program includes the following rules:

• The service price is charged every month - after the end of the grace period. In this case, less than 2.5 million rubles must remain in the account;
• If a person cancels the package 60 days after registration, 2,500 rubles are removed from the balance. regardless of the remaining amount.

The starting point of the grace period is the day the service package is issued. The period is valid until the last day of the following month. If a person activates the program on April 10, then the grace period lasts until May 31.

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Account opening methods

An individual needs very little - just a passport, a certificate of TIN assignment (if any) and the required amount.

Poste restante

Those who decide to open compulsory medical insurance at Sberbank have two options:

1. Come in person to one of the Sberbank offices (not just any branch is suitable - you should first check by calling 8-800-555-55-50 whether the nearest one is suitable for your home).
2. Use the Sberbank Online service (only for personal account users).

In the second case, since the agreement with Sberbank has already been signed and your data is in the database, you can create compulsory medical insurance with a few clicks of the mouse.

Urgent compulsory medical insurance

Today, Sberbank does not offer to charge interest to investors for deposits in metal, so it will not be possible to open a deposit compulsory medical insurance. In those banks where such a service is available, the conditions for its provision are usually the same: either a visit to the office, or a simplified remote scheme for bank clients.

Reviews

Nikolay, St. Petersburg

I would like to note that before opening a deposit in gold, you need to watch price fluctuations for some time and buy when it drops a little. Then you can earn more.

Natalia, Volgograd

My deposit in Sberbank in gold has been sitting for seven years, during which time it has grown well. I’m in no hurry to pick it up, because the bank seems to be reliable.

Irina, Moscow

Thanks to compulsory medical insurance, I started saving money. Keeping them at home is dangerous, placing deposits with interest in rubles is risky, and by buying gold in small quantities, I protect myself from an unstable economic situation and save money.

How to open compulsory medical insurance in the SB of the Russian Federation

If you have connected to the Sberbank Online service, you can open compulsory medical insurance today. The procedure will be as follows:

1. Scroll down to the bottom of the main page and click “Go to the bank’s offer catalog.”
2. Find the item “Metal accounts” in the list.
3. Choose the metal that will become your currency (the most crucial moment!).
4. Indicate the mass of the metal (the minimum in Sberbank is 0.1 grams of precious metal).
5. Confirm the money transfer by clicking the “Continue” button.
6. Read the contract carefully (it is short).
7. Click on the “Open Compulsory Medical Insurance” button.

Congratulations: from now on you are the owner of several grams (or fractions of a gram) of precious metal.

Privileges when connecting a package

The privileges of Premier program participants cover a number of areas:

• Deposits with higher interest rates;
• Premium plastic cards platinum;
• Credit cards with reduced interest rates;
• Investment tariffs;
• Endowment life insurance.

Deposits are available in two options – short-term and long-term. There are four categories of deposits:

• “Special Save”: non-replenishable with a percentage of 7.7% - 10% (in rubles) for a duration of 30 - 1095 days. You can open it with an amount of 1 million rubles. Interest is calculated once a month - they are added to the invested amount and increase income;
• “Special Replenishment”: replenishable with a rate of 8.2% - 9.4% (in rubles) for a duration of 90 - 1095 days. Opens with a contribution of 1 million rubles. The bank allows the withdrawal of accrued interest;
• “Special Manage”: allows you to withdraw funds without losing interest (if you have a minimum balance). The percentage is 7.8% - 8.4% for a duration of 90 - 1095 days. The percentage depends on the minimum balance;
• Savings: provides increased interest and is suitable for everyday use. The rate is 1% – 4% depending on the balance. The account supports deposits and has no restrictions on withdrawals or minimum amounts.

The advantage of the Premier program is the issuance of five debit cards that provide access to the following privileges:

• Insurance of means of payment: protection of a sum of money in the event of loss or theft of a plastic medium with subsequent illegal use;
• Travel insurance. When traveling abroad, the service is responsible for the safety and protection of the interests of the individual (in case of flight cancellations at airports, loss of luggage, etc.);
• Concierge assistance: a virtual concierge helps with booking hotel rooms, cars, event tickets, etc.;
• Premier priority pass: allows you to wait for flights in the business lounge (the class of the purchased air ticket does not matter;
• Contactless payment: Visa's PayWave and MasterCard's PayPass programs provide access to a high-security contactless reader;
• Discounts under the Visa World of Privileges and Priceless Moscow programs from Mastercard: provide bonuses and discounts on hotels, shops and restaurants around the world.

Credit cards are available to Sberbank VIP clients in three options:

• Visa and MasterСard Gold: annual service is 0 – 3,000 rubles;
• Visa Gold and Classic “Gift of Life”: require regular contributions to the fund of the same name, amounting to 0.3% of purchases;
• Visa Gold and Classic Aeroflot: the principle of operation is to accumulate bonus miles exchanged for award tickets.

Investment schemes were developed by Sberbank in three directions, which include:

• Investing in mutual funds: the minimum amount for opening is 15 thousand rubles. Funds invested in mutual funds are supervised by qualified bank experts. Profit is determined by the type of asset (stocks or bonds);
• Investing in precious metals (OMS): low-risk investments are made thanks to free account opening and maintenance, and no VAT on the purchase and sale of precious metals. A deposit can also be opened for minors;
• Life insurance "Smart Plus": invested funds go into two funds - guarantee and risk. The guarantee fund ensures the return of funds regardless of the market situation. Risky provides increased income.

Endowment insurance opens up a number of new opportunities for program participants:

• Creation of target capital for children;
• Preservation of capital thanks to legal and fiscal bonuses;
• Receiving additional investment income;
• Regular replenishment of reserve capital.