Catalog of coins made of precious metals at VTB 24 bank

Precious metal coins at VTB 24 are an excellent alternative to a standard investment. The economic situation in the vastness of the Russian Federation is almost always unstable. Today there are many people who want to invest in coins made of precious metals. Four types of metal are the most profitable. These are aurum, argentum, platinum and palladium. The market price for each metal is different.

Types and prices of precious coins

VTB 24 Bank has 2 types of emission coins for those interested - for investment and gift. The main difference will be the price. Coins from collections have always been and will be more expensive than investment coins. There is a special catalog that contains a list indicating a fixed price.

Their price does not directly depend on the amount of metal content and its type.

The coins offered by VTB 24 Bank can be gold, silver, platinum and palladium.

Gift coins

What is characteristic of this type of coin?

1. The release is marked by some kind of solemn event.
2. There are quantity limits in each batch.
3. There is always a certain theme.
4. Their intangible value determines the price much higher than the cost price.
5. Coin collectors are always in pursuit of exclusive models.
6. These coins are given as a gift.

Topic: talismans

Coins for investment

These coins are characterized by:

1. Large circulation.
2. They are money that can be used to pay.
3. The cost is equal to the expenses incurred.
4. Uninteresting for numismatists.
5. The coins are no different from each other.
6. These coins are aimed at attracting investors.

Metal: gold

Proper storage

Precious coins need proper storage. Scratches or chips on the surface will significantly reduce the cost; the starting price will not be important. Due to external imperfections of the product, the bank has the right to refuse the seller. These circumstances include:

• packaging damage, weak fixation;
• contact with ultraviolet radiation (sunlight changes the shade of the product);
• exposure to high humidity.

Precious coins are of interest not only to numismatists. This offer attracts those who want to invest profitably, plus the products can be purchased as gifts for loved ones.

( 1 ratings, average: 5.00 out of 5)

Cost of coins in the VTB 24 catalog

You can buy any coin listed in the catalog at VTB 24 Bank. Its price directly consists of the material used, sample, series, weight and other components. Production costs are also always included, regardless of whether the coin is in limited or large quantities.

Bullion coins are valuable for their metal, which is what makes up the future value of the coin. As well as the exchange rate for precious metals, which slightly increases and decreases.

To start your investment, you can use gold or silver coins. On the official website of VTB 24 the cost is from 1000 rubles per coin. Recently, coins with the signs of the eastern horoscope have become in demand. These are both gift coins and coins for investment.

Related article:

Tariffs and cost of renting a safe deposit box at VTB 24

Nuances of purchasing gold through “VTB My Investments”: algorithm of actions

To do this, it is convenient to use the following procedure:

1. Open a brokerage account.
2. Install the “VTB My Investments” application on your smartphone.
3. Transfer money to a brokerage account.
4. Find a gold fund with the ticker VTBG in the app.
5. Indicate the required number of shares, select the type of price (market or limit).
6. Make a deal by clicking on the “Buy” button.

Investing in precious metals through a VTB broker is no different from purchasing other assets on the stock market. Transactions are carried out similarly with other gold ETFs - funds from Finex and Tinkoff.

Aurum and Argentum products you can invest in

The profitability of these assets comes over time. 5 years or more to achieve a return on investment

This is the only way the client will be able to get up to 60% of the income from his own investment. This applies to coins of any metal.

Determining the return on an investment is not difficult. The difference between the acquisition cost and the selling price will be your income. The more exclusive the coin, the more you can earn from it.

You can make good money speculating with collectible coins. The sale of coins to a financial institution obliges you to pay taxes, and a document of ownership is also issued.

Nuances for investors

How much income can you get? The features of trading for investment coins are not much different from trading in precious metals. The gold spread changes over the long term, the fluctuations are more pronounced than the currency ones (up to several tens of percent). On the other hand, gold is not as liquid as money: it will not be possible to quickly generate income from the difference between buying and selling.

Keep in mind that the coin initially contains additional data that affects price fluctuations. For example, the mass circulation. Even in a down market, items produced in small quantities can maintain a high price. There are factors that, on the contrary, can reduce its liquidity - for example, the issuing bank can withdraw an investment coin from circulation - it will turn into a commodity, therefore, you will have to pay a tax on transactions with it.

Nuances for investing in coins:

1. Russian or foreign? It depends on where you plan to exchange the coins. In the West, Chervonets is well known among the domestic ones; our well-known Victorious is perceived as a numismatic issue.
2. It is quite difficult to transport coins across the border - plus 10-15% to the cost.
3. As a gift, experts recommend choosing foreign editions - more design options, possible inlay, unusual shape, embossing, 3D effects.

How to save?

For coins there is a certain list of storage rules. Minor damage can significantly reduce the price of a coin, even if the amount you paid for it was exorbitant.

Sometimes you may get a refusal to sell such a coin to a bank.

• The packaging of the coin must remain completely intact.
• Direct light should not shine on the coin as the color may change.
• A lot of moisture is contraindicated when storing coins.
• The coin must be secured if it is stored in booklets.

These rules will help preserve the original condition of the coin, which means selling it profitably.

How to purchase this product at VTB 24?

If you want to buy a coin, you should come to VTB 24 Bank with a passport of the Russian Federation. You will explain to the manager of the organization specifically what you want to buy. A specific list will be selected from which you can choose. Each coin has documentation that includes the license plate number and other information. Plastic packaging is designed for each coin.

Paladium coins and coins made of platinum will cost more for those interested than those made of silver and gold.

VTB 24 Bank offers its customers themed coins. All of them are sealed in a capsule.

Advantages of investing in goods made of precious metals at VTB 24

When comparing an investment in coins with a deposit investment, it is worth highlighting:

1. Persistence. Regular deposits concern foreign currency investments. The currencies of countries are volatile, so they can bring both profit and loss to the investor. And the price of precious metals does not fluctuate much and is more predictable.
2. The long-term nature of the deal ensures good income.
3. Coins are valuable gifts and not just an investment item.
4. You can invest in coins from a certain group of precious metals.

Related article:

How to open an impersonal metal account at VTB 24?

The main ways to make money on gold

There are several tools for investing in gold. They differ in profitability, risk level and liquidity.

Anonymized metal account

Compulsory medical insurance is reminiscent of a bank deposit linked to the exchange rate of a precious metal. Its yield follows the market price of gold. An investor purchases a certain amount of precious metal in virtual form for money. Compulsory medical insurance is not provided with physical gold. The amount of metal and its current value according to the bank’s internal exchange rate are reflected on the client’s account.

On the VTB website you can calculate the expected profitability using an online calculator.

Many Russian banks offer such an instrument as compulsory medical insurance. In addition to gold, you can invest in other metals - silver, palladium, platinum.

The purchase of metal through compulsory medical insurance is not subject to VAT. Investors don't have to spend money to securely store their gold bars and coins. The instrument has high liquidity. Compulsory medical insurance is subject to a long-term holding benefit, with the help of which an investor who has held metal in an account for at least 3 years is exempt from paying personal income tax when selling it.

Among the disadvantages of this method, it is necessary to note the large spread between the purchase price and the sale price of the metal. OMS are classified as over-the-counter instruments, so all transactions are carried out only through the issuing bank. Guarantees from the Deposit Insurance Agency do not apply to metal accounts. Therefore, in the event of bankruptcy of an organization, clients may lose their funds invested in metals.

ETF

Exchange Traded Fund is a popular tool for long-term investing. It is an index fund that tracks the price movements of stocks, bonds and precious metals. Investors can buy and sell shares in the stock market through a broker.

The fund's assets are gold bars stored at VTB.

Several gold ETFs are offered on the Moscow and St. Petersburg exchanges:

• FXGD from the Irish company Finex;
• VTBG from VTB;
• TGLD from Tinkoff Capital LLC.

There are differences between them in the value of the share, the method of replication of the asset and the amount of management fees. Index funds have high liquidity. Units can be quickly sold and purchased using the mobile application. All transactions are carried out online.

The tool is suitable for investors who do not have large capital. The cost of 1 share of the TGLD fund is only $0.08. The management fee for various ETFs available to the average investor on the Moscow and St. Petersburg exchanges ranges from 0.45% to 0.74% per year and is included in the asset price.

Buying shares of gold mining companies

Investing in securities of gold mining companies is an excellent option for increasing your own capital. The dynamics of their value are affected by both changes in the price of precious metals on the world market and the efficiency of the enterprise’s business model.

Investors have access to shares of the largest Russian gold miners:

• "Pole";
• "Polymetal";
• "Seligdar";
• Lenzoloto;
• "Petropavlovsk".

Gold has traditionally acted as a protective asset in times of crisis. The companies' securities have seen impressive gains throughout most of 2021. The increase in value was influenced by the global COVID-19 pandemic, which triggered investors' shift away from risky investments.

Investing in gold mining shares has an important advantage over other investment options in precious metals. Holders of securities can earn both from an increase in the market value of assets and by receiving part of the profit distributed among shareholders in the form of dividends.

The risks of investing in shares of gold miners include:

• the risk of falling company profits due to ineffective management;
• depletion of main deposits;
• a fall in the price of precious metals on the world market while the situation in the economy stabilizes.

Futures

In the stock market, they are understood as contracts for the sale or purchase of an asset in the future at a set price. More often this instrument is used not for long-term investments, but for speculative transactions.

There are two types of futures on the Moscow Exchange.

The exchange rate of gold futures follows the dynamics of the price of the metal on the market. Income can be obtained from the difference between the purchase price and the sale price of the contract.

Futures have several important parameters:

• expiration date;
• type of contract - delivery or settlement;
• price step;
• scope of the contract;
• collateral - funds that a trader must deposit to execute a futures contract.

The instrument has good liquidity and high potential profitability. Commissions and contracting costs are negligible. The spreads between the purchase price and the sale price are minimal. The main disadvantage of futures is their high risk. The instrument is highly volatile and can bring considerable losses to the trader.

Special offers at VTB 24

Most clients choose coins with the signs of the eastern horoscope as a gift. In addition to these coins, VTB 24 offers coins on popular themes: love, famous people, amulets, religious coins, works of architecture, great holidays, etc.

Love set – Faith – Hope – Love – an original selection of holy martyrs.

Coins in the shape of Faberge eggs are one of the most unique collections.

Precious metal coins at VTB24 bank

At the bank you can purchase gold, silver, combined (gold + silver) and gold-plated (base – silver) coins. Commemorative coins should be distinguished from investment coins; they have their own characteristics:

1. Commemorative coins are characterized by the highest quality of minting (proof, not AC).
2. Investment notes have the status of banknotes, their price is as close as possible to world prices for gold and silver (reference point is the London Stock Exchange).
3. Commemorative items are intended for collecting, have additional numismatic value, are often dedicated to a specific date, and are produced in very small editions. More difficult to implement.
4. Commemorative coins are considered property, and upon their sale you will have to pay personal income tax. Investment funds are equal to other means of payment, therefore they are not subject to tax.

On VTB 24 coins you can find the monograms of the following mints:

• St. Petersburg Mint (SPMD). Examples: 3 rubles150th anniversary of the Leningrad Zoo, silver, 3500 rubles; 25 rubles Giuseppe Verdi, silver, 9500 rubles; 100 rubles Mordovia, silver, 78 thousand rubles.
• Moscow Mint (MMD). Examples: 2 rubles Alkina, silver, 3750 rubles; 100 rub. Victorious, gold, 48 thousand rubles; 100 rubles Kalmykia, silver, 60 thousand rubles.

Among the investment coins, the most famous is the “St. George the Victorious” coin. Only this, among all the variety of coins made of precious metals, can be purchased at VTB24 bank. Denomination – 50 rubles. The obverse of the coin bears the legendary image of the most revered Christian saint, who, sitting on a horse, kills a serpent (dragon) with a spear. On the reverse is a double-headed eagle, the symbol of the Central Bank, and all technical parameters.

The characteristics of the coin “St. George the Victorious” are presented in the table:

There are rarer denominations of “St. George the Victorious”, issued in smaller editions. For example, coins of improved minting (not AC, but proof) with a face value of 100 rubles. were released in an edition of 10,000 pieces.