Investing money in gold at Sberbank: at interest, types of assets, conditions and procedure for opening a gold deposit, maintaining a compulsory medical insurance account, return on investment in gold, reviews

Compulsory medical insurance is an impersonal metal account. It can be called a deposit, but the currency is not money, but metal, and without physical presence. The investor's profit is formed due to the constant increase in the cost of metals on the market. All citizens of the Russian Federation can open an impersonal metal account with Sberbank; there is nothing complicated about it.

How Sberbank's compulsory health insurance works, what such investments are, and their features. How to open an impersonal metal account, what metals are purchased, the mechanism for making a profit. Important information for depositors on Brobank.ru.

Gold as an interest-bearing investment for individuals

When considering the possibility of investing in precious metals, you need to take into account that not all methods involve an increase in income due to interest accrual by the bank. Some of the options allow you to make a profit when conducting purchase/sale transactions. In any case, it is important to take into account quotes - changes in the exchange rate of the precious metal. This will determine how profitable it will be to sell or purchase Au. Regardless of whether the valuable metal earns interest, it is still considered for investment. Causes:

• price stability – ensures long-term preservation of capital;
• divisibility: coins, bars and smaller parts of the whole retain their original properties and therefore do not lose value;
• corrosion resistance;
• conditional inertia.

Sberbank gold bars
Thanks to the properties of the material, it becomes possible to store it for a long period: the precious metal does not rust and does not lose its attractiveness.

Which precious metal should you choose?

Sberbank allows you to invest in four types of precious metals:

• gold;
• silver;
• platinum;
• palladium.

To determine whether a particular type of precious metal is profitable, it is important to take into account the following factors - general features, the current spread at Sberbank, currency volatility depending on external factors, quotes for the short and long term.

A recommendation for those new to investing is to strive to diversify your portfolio. Initially, the amount can be distributed between assets, then the share can be adjusted according to indicators.

How to invest in gold through Sberbank

Investments in gold are most often made for the purpose of preserving capital. If you also plan to earn money, you should pay attention to quotes in order to purchase the precious metal at a good price. The reward in this case is making a profit on the difference between the purchase and sale prices. But the amount may differ, depending on the type of investment. Available investment methods:

• ingots;
• coins;
• decorations.

The last option is usually not considered, because jewelry is difficult to sell, even new jewelry after one owner is considered used. The proceeds will be much less than what has already been paid for the jewelry.

Gold bars

Purchasing gold bars

Technically, you can purchase gold bars. This precious metal is a reliable way to store funds. The value of Au is constantly rising. Rare and minor drops amid the crisis do not have a significant impact on the value of bullion. Significant losses from such investments are excluded. Disadvantages of this method:

• there is a high risk of loss and theft - it is necessary to create conditions for safe storage;
• damage to the precious metal: the appearance of scratches helps to significantly reduce the cost of products; it is also impossible to deform the packaging of ingots (it is provided for bars less than 1 kg);
• when selling a gold bar when 3 years have not yet passed from the date of purchase, you will have to pay VAT (only if the bar is taken out of storage); if it is left for further maintenance, you do not need to pay anything;
• there is an income tax (13%), it is paid if the bullion has generated income;
• stability is one of the advantages of Au, but if you plan to invest money with the aim of making a profit, it becomes a disadvantage, because you will not be able to make money on quotes;
• additional costs, for example, for paying for a safe deposit box.

Selling gold bars prematurely will result in a loss of 30% of their value.

Buying commemorative coins

Investment gold is not just bars. Coins also fall into this category. They are presented as options:

• standard - mass produced, but not highly valued, because they are widespread and often found;
• anniversary, commemorative - those that are produced in small batches, as a rule, they can be dedicated to some date, event, anniversary, such coins cost much higher than others, but are rarely found.

How to close a metal account?

Before closing an investment instrument, make sure that you are satisfied with the current quotes. Since when the account is reset, the existing assets will be immediately sold at the current rate.

To close a banking product:

1. Find the desired section in the mobile or web version of online banking.
2. Select the appropriate compulsory medical insurance from the list.
3. Click on the "Operations" option.
4. Go to the appropriate item.
5. Confirm completion.

An application for closure can also be submitted in person at customer service offices. Choose only those branches that include investment services. When visiting, you will need a passport or other identification document.

What is compulsory medical insurance: opening conditions, documents, deadlines

An impersonal account is an account that displays information about the precious metal purchased by a bank client. Moreover, you can only find out the amount of gold, but there are no identifying marks. This makes the account impersonal. The lack of information about values ​​is due to the fact that when purchasing virtual gold, its physical equivalent is not provided.

However, this does not mean that the deal cannot be carried out. The bank undertakes to carry out the conversion if the client decides to sell the amount of precious metal in his account.

There will be 2 options to choose from: physical gold is issued, its quantity corresponds to the volume of the precious metal that is listed on the compulsory medical insurance; an amount of funds equivalent to the size of the deposit is provided (conversion occurs at the current rate).

To make a gold deposit in Sberbank, you need to take your passport with you and prepare a sufficient amount to purchase Au at the rate determined by this financial institution. It is also necessary to open a current account with Sberbank, funds will be transferred from it to compulsory medical insurance, and at the same time a conversion will take place - the precious metal will be received. The client is given a copy of the agreement and a document confirming the fact of ownership of gold in the metal account. Compulsory medical insurance can be issued for any period – from 1 month or more.

Possible options for opening compulsory medical insurance:

• time deposit: limited investment period, interest accrues on the deposit;
• current (perpetual): opens for any period, but investing money in Sberbank gold at interest will not work, such an operation is not provided.

Investment conditions

The opportunity to invest in compulsory health insurance is also available today in third-party financial organizations. In comparison with existing alternatives, Sberbank offers comfortable conditions for investors:

• purchase of precious metals from 0.1 or 1.0 grams;
• no restrictions on storage periods;
• there are no limits on investment amounts;
• remote account opening and management.

Opening a metal account is available for both legal entities and individuals. Minor private clients can also submit a purchase application with the written permission of their parents and guardians. From the age of 18 there are no additional requirements. You just need to provide Sberbank with a passport or other identification document.

The procedure for opening and maintaining an account with Sberbank

The procedure for completing documents when opening compulsory health insurance is simple, there is no additional commission. Sberbank is one of the few that provides its clients with the opportunity to open an account through Internet banking. Most often, this registration procedure is carried out during a personal visit to a branch of a financial institution.

At a bank branch

An employee of the branch where operations to open compulsory medical insurance are carried out will offer to open a current account. To do this you will need a passport and TIN. If a potential depositor is already a client of Sberbank, an INN will not be required; a passport will suffice. Gold is not issued in person. This option for investing in Sberbank gold does not provide such an opportunity.

Sberbank

Through Sberbank Online

You need to go through a simple registration procedure or log in (if an information profile has already been created). Then it is recommended to open the “Metal Accounts” section. A profitability calculator will appear here. You can calculate what account parameters should be in order to make a profit. The form is filled out, funds are paid from the current account to the created compulsory medical insurance.

In the app on your phone

You need to download the Sberbank Business Online application to your smartphone. Further actions are similar to those performed when using Online Banking: registration or authorization, selecting the “Metal Accounts” section. Simple actions are performed: you pay for the precious metal from your current account.

Potential profitability

The theoretical profitability of compulsory medical insurance at Sberbank can be determined using a special calculator. Follow the link https://www.sberbank.ru/ru/quotes/oms_calculator_udo to open the calculation form. In your request, please specify the following parameters:

• type of metal;
• investment period;
• initial investment amount.

After clicking on the “Show” button, a table and graph of potential income in rubles and percentage per annum will be displayed. The values ​​are indicated taking into account the specified time frames that have passed previously. Indicators may differ in the future depending on the external economic, political and global situation.

To understand whether it is worth opening a compulsory medical insurance, the following shows the profitability for different periods:

The data presented above is based on June 26, 2021.

How to make a profit: quote and spread

The spread is the difference between the buying and selling prices of a precious metal. This is how Sberbank determines the amount of profit for itself when assigning the value of Au. Initially, the price set by the Central Bank of the Russian Federation is taken, and it is slightly changed in order to increase profits. The cost of gold is formed individually - by each bank separately, but it is still tied to the official rate. The markup is always different, as is the spread.

Such changes affect the client’s earnings. The spread can be 10-15%. In addition, with this method of investment, profit will always depend on quotes - changes in the exchange rate of precious metals, which is determined by the market, the volume of gold production and other factors.

If an investor purchases valuables at one price, he must sell them at a much higher price in order to benefit for himself.

How is the price of 999 fine bars determined?

To calculate the real cost of 999 gold per 1 gram on a specific date, you need to know that the exchange rate for precious metals is set by Sberbank daily and depends on prices on the world precious metals market. Among the factors influencing the price of bullion are the following:

1. investor demand;
2. high level of quality of bullion, since Sberbank works only with reliable manufacturers;
3. decrease in production volume on the international market;
4. Sberbank has a gold and foreign exchange reserve.

These are the factors that the bank takes into account when calculating the cost of gold bars. You can independently calculate the price for 1 gram of gold. To do this, compare the cost of 1 troy ounce of the precious metal to the dollar exchange rate on a specific day. Add VAT to this number (13-16%).

Advantages and disadvantages of a gold deposit

When deciding how to invest money in gold at Sberbank, they study quotes and calculate the spread. It is important to understand what advantages and disadvantages this method of investing has.

Positive points:

safety of the deposit due to a stable price (despite the absence of a compulsory medical insurance system for deposits);

simple procedure for opening an account;

no additional payment is required for renting a safe deposit box;

maintaining high liquidity of the precious metal;

Convenience of transactions thanks to the ability to open and maintain an account online.

Disadvantages of impersonal accounts:

Deposit insurance is not provided;

in the short term, it will not be possible to make money by investing in gold with compulsory medical insurance, interest rates on time deposits are too low, as well as the slow rise in the price of the precious metal;

the need to pay tax if you have to sell gold ahead of schedule.

What is important to know

It is not yet possible to transfer the virtual equivalent of precious metals to the accounts of other banks. There is an unspoken rule - you can only sell gold to Sberbank. Individual deposits in gold and other valuable materials cannot be transferred from account to account (if each contains a different type of asset).

Specific conditions of metal contribution

Sberbank of Russia has identified certain weight criteria for the metal: gold is accepted from one gram to one kilogram, and silver from fifty grams. You can also make a metal contribution to platinum and palladium.

For those clients who are concerned about the safety of their investments, the bank gives the opportunity to rent a safe deposit box. Another advantage of keeping a deposit in a safe deposit box is that if something happens to it there, the bank will pay the penalty.

Question-answer section

How to invest money in gold at Sberbank at interest?

Expert opinion

Anton Egorov

Financial Consultant

In order not only to save funds, but also to increase them, you need to consider special investment schemes. These include gold deposits in Sberbank at interest. Among the available instruments, only a fixed-term investment scheme for compulsory medical insurance meets this criterion. It involves the need to accrue interest, which allows you to invest money profitably. But this option is worth choosing if you plan to soon sell gold on compulsory medical insurance. When closing the account, you can receive funds for the precious metal and payment at an interest rate.

Buying gold at Sberbank: is it profitable or not?

Expert opinion

Anton Egorov

Financial Consultant

Sberbank's spread is not the highest, which allows you to get a more significant profit. There is also the possibility of earning interest. This scheme is not offered by all banks. If there was a good exchange rate when purchasing a precious metal, you can wait for a significant change in quotes. There will be more profit when selling.

How to make money on gold at Sberbank and not go broke?

Expert opinion

Anton Egorov

Financial Consultant

Before buying valuables, you should choose a more profitable option (study reviews, parameters of the precious metal, features of the investment method). It is recommended to perform the calculation by year and volume of dividends. It is best to make investments for a long period, taking into account quotes, the likelihood of a crisis and other factors of market changes. You should not sell gold if the price has dropped below what it was at the time of purchase.

Weighing gold

How to store money in gold in Sberbank?

Expert opinion

Anton Egorov

Financial Consultant

There are different options: physical metal, virtual gold. Usually they choose a method that does not require additional investments with the ability to sell valuables at a high price. If you plan to invest funds for the purpose of preserving them, rather than earning money, the option of buying physical gold is suitable. But then you cannot avoid paying for a safe deposit box. When selling, difficulties will arise with the valuation of the metal and payment of VAT.

Service tariffs

On the question of how much it costs to service metal accounts for individuals. Basic services for the asset are provided free of charge, in particular, opening or closing, issuing an extract, and searching for an appeal. Only a certificate of ownership is provided for a fee - 100 rubles.

However, the client will need to make an additional payment for transactions with precious metals within the framework of compulsory medical insurance:

For storage in the depository, 50 rubles are also charged daily per bullion. Based on the current tariffs, you can immediately understand which option is more profitable for investing in precious metals - in impersonal accounts or physical assets.

Investments in gold: pros and cons of Sberbank

Pros of investing:

safety of the deposit;

no risk of metal damage;

you can sell the asset when it is convenient (with the exception of the compulsory medical insurance fixed-term deposit);

maintaining liquidity;

an individual can make a deposit; for comparison, playing on the stock exchange requires an appropriate business status.

The gold deposit also has disadvantages:

low rate of exchange rate growth, which does not allow you to quickly make a profit on quotes or resale;

part of the funds will be “eaten up” by the spread; this is an obligatory part of the expenses when investing money in this way;

costs of selling physical gold;

decrease in profitability due to taxes.

How to cash out?

The easiest way to cash out a metal account is to create an application for the full or partial sale of an asset. The corresponding request is generated in a similar section of Internet banking. After the transaction is confirmed by the issuer, the funds will appear on the user’s specified bank card.

Sberbank provides an additional way to cash out compulsory medical insurance for an individual - in the form of a bullion. If there is enough money, the “virtual” investment can be converted into a physical object. However, this alternative involves new costs for exchange and storage - the current tariffs were discussed above.

Investing money in gold at Sberbank interest: reviews

I like storing money in gold because the money is reliably saved. I have a compulsory medical insurance contribution, I don’t pay for the cell. They issued it for me at Sberbank. Now I don’t need to think about where to hide my money, because I don’t trust deposits, I just don’t want to keep money in a current account - there are many risks of theft today.

Sergey L., Kostroma

Gleb L., Kostroma

There is no monthly payment when investing in gold, there are no commissions. I chose a metal account for myself. I considered coins and bars, but this is not my budget, because the losses when selling physical metal are too large.

Friends advised me to choose a gold deposit. A large amount of cash came loose and I didn’t know where to put it. I wanted to buy real estate at first, but changed my mind, there is no goal of becoming attached to a place, because I travel a lot.

Dmitry N. g, Moscow

Compulsory medical insurance or traditional contribution - which is more profitable?

When comparing a metal account with a regular bank deposit, two conditional advantages can be identified that highlight the second option. The advantages include being covered by insurance and fixed income. When opening a deposit, the bank immediately determines the rate - a percentage of the total investment amount.

Today, most banks in Russia have yields on deposits of 3-5%. Such tariffs in modern realities are not able to cover inflation. Whereas the current dynamics of precious metals will allow you to both earn and accumulate funds in the long term.

What is such an account and is it profitable?

There are 2 types of investments available:

1. Responsible. They imply that the bank receives a fee for storing precious metal bars that are transferred by the client. Each unit is assigned a number. The user pays for the following services:
   operations for opening and closing an account;
2. procedure for crediting bullion or issuing it;
3. assigning a number to each product;
4. interbank deposit transfers.
5. Unallocated metal accounts (UMA). They represent deposits of valuable metals. Compulsory medical insurance differs from standard investments of coins or bars in that the database reflects only the amount of precious metals that the client purchased. There is no information about the manufacturer, number or sample.

With this approach, there is no need to check the quality of the metal when buying or selling, which allows you to quickly carry out operations without wasting time on completing various documentation and examination.

Unlike cash, gold, platinum or silver does not depreciate, so such deposits have greater guarantees. Sberbank has developed a simple scheme for opening such an investment on favorable terms.

Using various assets, you can invest metals, top up your account and sell bullion, and receive a stable income. The rights to the deposit can be transferred to a third party by issuing a power of attorney.

The metals available to Sberbank clients include the most in demand:

1. Gold, which continues to occupy a leading position in the market.
2. Silver is a cheaper metal, so it is chosen as an alternative to gold deposits.
3. Platinum. This metal is the third most popular. Cases have been recorded of fraudsters committing counterfeits by fusing platinum and gold and passing off the bar as gold. Owners of compulsory health insurance are exempt from such danger, because The bank deals with authenticity issues.
4. Palladium. This metal is the rarest, discovered later than the others.

If the investor decides to withdraw metals from the account, the conditions stipulate payment of VAT in the amount of 18% of the value of the assets.

Despite the stability of investments, the risk of losing a large amount of funds remains.

Closing a deposit

In Sberbank, you can close a deposit after the expiration date only at the branch, and it is important to have all the necessary documents for the deposit with you.

Important: if you urgently need money, you don’t have to close the deposit, but simply withdraw the required amount down to zero, because there are no restrictions on operations and no minimum funds.

If you decide to close your existing “gold” deposit, this can be done without visiting a bank branch. This uses remote access. In this case, you should proceed according to the following instructions:

1. Log in to the portal and go to your personal page “Sberbank-Online”.
2. Oh, and then click on Metal Bills.
3. The compulsory medical insurance management page will open, where you should see Fr.
4. A list of suggested actions will open. You need to find and click on the “Closing” section.
5. Carry out all further actions following the instructions of the automated system.

Security issue when working with cash settlement services: how to protect your money?

To avoid becoming a victim of fraudsters and to maintain order in your accounts, it is enough to take a few simple security measures:

• When signing an agreement to open a current account, don’t be lazy to read every point of it, check everything and double check. Until you are sure that you understand all the terms and conditions, do not sign anything. Don't hesitate to ask questions to the manager. Be sure to check the following indicators: subscription fee, accrued commissions, regulations for transferring money to other accounts, depositing and withdrawing funds from the account.

• Check whether you have all the documents for opening a current account and whether you have completed the application for submission to the bank correctly. Never use false information .
• Opening a current account for an individual entrepreneur or other legal entity is half the battle. As soon as the agreement with the bank is signed, immediately notify the tax service . As a rule, banks do this on their own, but it is always better to play it safe and double-check this point.
• Before transferring funds to a counterparty's account, check its reliability . To do this, you need to ask him to provide you with registration documents and licenses. Study his financial statements, find out if there is information about him in the registers of the Federal Tax Service and in the data bank of enforcement proceedings of the FSSP.

Opening a current account: instructions for LLCs and individual entrepreneurs

Opening a current account is a mandatory condition of work for legal entities. As for individual entrepreneurs, having an account is highly desirable, since it will be needed to pay taxes, pay off payments to suppliers, and the like. I offer you detailed step-by-step instructions that will help you acquire such an indispensable banking assistant:

1. First of all, decide in which bank you will open an account , where the conditions are more favorable. You can decide for yourself whether to choose one credit institution or several. However, as soon as you decide on a bank, contact the manager and clarify what documents need to be collected. As soon as the entire package of papers is ready, fill out the application form . Some banks provide the opportunity to open an account online by simply providing the bank with copies of the documents that I mentioned earlier. However, later you will still need to submit paper copies to the bank. Considering that most credit institutions offer the service of a specialist visiting the customer, you just need to set a time and place for the meeting, and then settle all the details.
2. Now you need to decide on a tariff plan . The choice should be made based on the amount of turnover that is planned to be made on the current account. The bank will help you find the most suitable tariff. If within 30 calendar days you feel that you have made the wrong choice, you can completely free and painlessly.
3. The manager will prepare a card with sample signatures ( COOP ), an agreement for opening an account and cash settlement. You will also need to sign papers for additional services. By the way, all authorized persons must be in the bank at the time of opening a current account. Their authority must be documented.
4. As soon as all documents are signed, you will receive a digital signature , login and password for your personal account. You can safely start setting up Internet banking, mobile banking, Internet acquiring and similar “goodies”. You will learn what Internet acquiring is in my separate article. If you are not strong in the legal intricacies of maintaining an account, it makes sense to turn to specialized companies or professionals who will be happy to help you prepare all the necessary documents. Their rich experience and brilliant knowledge of the laws will allow us to solve all the problems that arise . Outsourced accountants mainly help with this.

Which bank is the most profitable to open an account at?

You can choose a bank to open a current account based on many criteria. The most important thing is to decide which parameter is most significant for your business . I strongly recommend opening accounts and signing cash settlement agreements in young progressive banks. Personally, I am impressed by two proposals from two banks - “ Bank Module ” and “ Points ”. I suggest you compare the average tariff plans of several organizations, estimate how much it costs to open a cash register and decide what suits you best.

TKS

Tinkoff offers 3 regular tariffs and one premium:

• “ Simple ” for 490 rubles per month. The bank does not charge a fee for the first 3 payments, but charges 49 rubles for all subsequent payments. Cash withdrawal from cash registers is possible through withdrawal to a bank card and further cash withdrawal at ATMs with a commission of 1.5% + 99 rubles. for amounts up to RUB 400,000/month.
• The “ Advanced ” tariff will cost 1990 rubles. External payments cost 29 rubles per piece. You can withdraw money with a commission of 1.0% + 79 rubles, but only for amounts up to 400,000 rubles/month.
• “ Professional ” costs 4,990 rubles per month. All payments under this tariff cost 19 rubles, and for the purchase of an unlimited package you need to pay 1990 rubles. When withdrawing up to 800,000 rubles/month. commission 1.0% + 59 rub.
• “ Premium ” – costs 24,990 rubles/month, 1000 free transfers are given, each subsequent one will cost 19 rubles. Cash withdrawal up to 1.6 million rubles/month. – commission 1.5% + 59 rubles

Dot

Tochka offers 3 tariffs:

• The required minimum is free, only 1 company account is connected. I would like to note free external payment orders and generally minimal costs for this type of account;
• The golden mean - it will cost 500 rubles/month if paid monthly. Suitable for an already established business, they give 10 free external payments, the cost of each additional one is 60 rubles;
• All the best at once - the first 3 months of service cost 500 rubles/month, then 2500 rubles/month. There are already 100 free external payments, and the cost of each next one is 15 rubles.

Sphere

Sphere is a subsidiary bank of BCS , so there are no problems with reliability here. Businesses are offered 3 types of accounts:

• S – free plan, ideal for beginner businessmen. Here I will highlight a zero subscription fee and the ability to withdraw up to 50,000 rubles/month. with zero commission;
• M – 990 rub./month. with good limits on transfers, up to 100,000 rubles/month. You can withdraw without commission. They also give 10 free external transfers;
• L – 4990 rub./month. it is rather the choice of already established businessmen. Absolutely all external payments are free; you can withdraw up to RUB 500,000 per month. no commission.

conclusions

In general, opening a current account is a simple matter and does not require large financial expenses or time. Without an account, the normal functioning of any business activity in the current realities is simply impossible. And if the work of individual entrepreneurs without current accounts will be inconvenient, then LLCs will not be able to exist without them. I sincerely hope that this review will help you make your business comfortable , organize all your accounting and convince your partners of your reliability . That's all for me, see you soon!

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