Unallocated metal accounts of Sberbank: gold rate for today, profitability

What it is

Metal accounts in Sberbank are a store of value in which not money, but metals are placed. You can purchase them at any bank branch. The client does not have to see the bars, evaluate their quality, move them, etc.

To open an account, you can buy any of 4 metals:

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

They can be stored for an unlimited period of time. You can monitor the dynamics of the exchange rate, then choose the most advantageous moment and sell them to Sberbank, making money on the difference that arises. For example, the exchange rate for today is as follows (in rubles).

Compulsory health insurance differs from traditional deposits in several ways:

1. Interest is not accrued on a metal account - you can earn money on it only on the difference in prices.
2. The deposit is impersonal, since 1 ingot (weight up to 1 kg) can contain “shares” of several clients at once.
3. There is no guarantee of earnings, since profitability depends solely on the dynamics of quote prices.

How the price is formed, why it changes and is different in different banks

The rate of gold of different types in commercial banks differs, and sometimes quite noticeably, from the indicator established by the regulator. This is understandable - not only investors, but also banks strive to make a profit. In addition, the cost of the yellow metal itself today also does not stand still. What affects the price of gold

Changes in the value of a gold ounce depend on:

• global economic crises;
• US monetary policy and fluctuations in the exchange rate of its national currency;
• speculative movements of large market makers;
• exchange rate of our native ruble against the US dollar.

Fluctuations in world gold prices force our Central Bank to adapt and also change course.

Its rate is a reference point for other commercial banks that set their rates for today. At the same time, banks need to solve two problems at once - to make a profit and to increase the number of clients.

Therefore, their rates are different - whatever the pricing policy is, so is the rate. Where to turn, whether to choose Sberbank or a less popular financial institution, is up to the investor to decide.

Advantages and disadvantages

Metal accounts have several advantages over classic ones:

1. Precious metals are one of the reliable means of saving. Quotes for them change regularly, but in the long term the price only increases.
2. You can close your account at any time. In this case, the client will be paid the entire difference that has arisen, in accordance with the Sberbank exchange rate for today.
3. This is an affordable store of value - the minimum amount you can invest is the amount required to purchase 0.1 g of gold, palladium or platinum or 1 g of silver at the current rate.
4. Precious metals are stored only in the bank and are not issued to the client or other persons. The bank is responsible for their safety.
5. There is no risk of encountering counterfeit metal, low quality ingots, etc.

However, along with the advantages, Sberbank compulsory medical insurance also has its disadvantages:

1. There is no guarantee of earnings.
2. Sometimes the depreciation of gold or other metals can be very strong (during a crisis) - it is extremely difficult to predict this moment.

Bank gold in jewelry production

Bank gold 999.9 has a big impact on the jewelry industry. The price of jewelry made of precious metal directly depends on quotes on world exchanges and within the country. It is very easy to determine the real value of 585 gold and other samples if you have information from the Central Bank of the Russian Federation or Sberbank.

Jewelry is also not the best way to invest money, since at least 50% of the cost consists of labor and the store’s trade markup. An exception is products with precious stones that have artistic or historical value.

It should be added that silver bars are a good alternative to the yellow precious metal. The advantage of such a purchase is its relatively low price, which makes it more accessible to all segments of society.

Is it profitable to invest in metal accounts?

It is quite possible to use an impersonal account to store savings. However, most often it is possible to make money on it only in the long term - 3-5 years or more. To verify this, you can analyze the price chart of the precious metal using gold as an example (period 2000-2020)

For example, if someone purchased 100 g of gold on 01/01/2015, he managed to do it at a price of 221 thousand rubles. Then, if you wait for the right moment and sell it, for example, after just 13 months (02/01/2016), you could sell the same 100 g for 281 thousand rubles. Those. net profit will be 60 thousand rubles. or 27% of the initial investment.

But even if you do not consider such obvious situations, you can still come to the conclusion that purchasing gold is quite profitable. For example, the purchase of the same 100 g was made recently - 01/01/2017 for 227 thousand rubles. Since then, the dynamics have not been very active, but a growing trend is still obvious. Already on January 1, 2020, it was possible to sell part of the ingot for 285 thousand rubles. The increase over 2 years amounted to 58 thousand rubles. or 25.5% of the initial investment, i.e. approximately 13% per year.

Taxes and restrictions on acquisition

There is nothing complicated about paying taxes when buying physical gold. The notorious VAT is already included in the price, so whether you like it or not, you pay it right away.

There is also an income tax - well known, with a rate of 13%. However, you don't have to pay it. To do this, you must have owned the bullion for more than three years. Therefore, be sure to take this into account when choosing the moment of purchase. If you doubt that you will be able to keep it for the entire period, it is better to hold off on purchasing it. Why overpay if your income is already low?

Gold price dynamics: exchange rate for today

Today Sberbank of Russia offers to buy and sell gold on the following conditions:

1. Purchase 2639 rub. for 1 year
2. Sale 2942 rub. for 1 year

If you track the dynamics of the exchange rate of this precious metal over the past 20 years, you can see that its price almost always increases.

Based on these data, we can say that over the past 20 years, quotes have increased by 182%, i.e. on average 9.1% annually. At the same time, even the most profitable bank deposits in rubles are opened at rates of no more than 8.0-8.5%. Therefore, gold and other precious metals can really work as a reliable tool for saving and increasing your own money.

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.

How to open compulsory health insurance and start earning money

Compulsory medical insurance can be opened at a bank branch or through the Sberbank Online system. You can log into your personal account either through a browser on your computer or through a mobile application.

The instructions are simple:

1. The user visits his page.
2. Goes to the “Deposits” section.
3. Selects compulsory medical insurance.
4. Indicates the desired metal (you can select several).
5. Determines the number of grams.
6. Transfers the required amount.

When is the best time to invest in compulsory health insurance?

The main condition for making money is determining the favorable moment to buy and sell precious metals. Often, investors do not have sufficient experience, so it is better for them to turn to experts and study analytical materials, including the dynamics of changes in quotes over recent months and years.

To determine the optimal moment to sell, it is worth deciding on a earning strategy. For example, with a conservative approach, it is enough to earn 8%-9% per annum, as on a profitable bank deposit. If you invest with higher risks, you should wait for a price surge, and then sell the metal at a price that exceeds your investment by 25-30%.

Purchasing and storing bullion at Sberbank

The process of purchasing gold is quite simple. To carry out transactions for the purchase and sale of metal, the investor will only need a passport.

Please note that not all Sberbank branches have the right to conduct transactions with precious metals, so first check this information on the website, and then call the branch itself to confirm the availability of the selected asset.

The bank employee performs all operations himself, the client only has to deposit money into the cash register. After payment, you will be given gold, sealed in a special case, and a certificate attached to it.

Neither the bar itself nor the certificate must be subjected to any influence that could cause damage. All this entails a reduction in price up to the point of sale for gold scrap. Therefore, many buyers today prefer to store gold directly in a Sberbank branch.

Do I need to pay taxes?

When purchasing precious metals at Sberbank or any other credit institution, the transaction is not subject to VAT. However, personal income tax will be withheld from the client:

• in the amount of 13% from a Russian citizen;
• in the amount of 10% from a foreigner.

If the account was opened more than 3 years ago, the citizen has the right to receive a deduction of up to 250 thousand rubles. For example, a client opened a deposit in February 2015, earned 300 thousand on it and decided to close it in March 2018. Since 3 years have expired, he has the right to use a deduction of 250 thousand. Therefore, personal income tax will be only 13% of the remaining 50 thousand, t .e. 6500 rub.

Procedure for selling bullion

In terms of complexity, selling is no different from buying. One important difference is that a Sberbank employee carefully examines the bullion and its certificate in order to issue an opinion on its condition. This is what determines how much it will cost today.

Also note that the purchase price is always lower than the sale price.

Selling a bullion purchased from another bank

To the delight of clients, Sberbank does not refuse to accept gold purchased from other banks. The conditions are the same:

1. The condition of the bar must be either excellent or satisfactory.
2. The bar must be accompanied by a legible certificate.
3. To sell “other people’s” gold, Sberbank will also need a client’s passport.

Customer Reviews

It would take quite a long time to list the benefits of compulsory medical insurance.
Before opening, it is worth studying in detail not only the advantages, but also the possible risks. You should also pay attention to the reviews of real clients who have already stored or are storing their funds in a metal account. Anna, 35 years old, St. Petersburg:

“Investing in metals is quite possible - I have been able to earn money this way for the last 5 years. Average yield is 10% per annum and above. But there are nuances. The most important thing for beginners: distribute your risks. Those. store funds in both metals (and more than one) and currency. And try to study the market in advance, choosing a convenient moment to buy.”

Igor, 48 years old, Yaroslavl:

“Gold and other precious metals are not an instrument for those in a hurry. In the future, quotes are really rising, because in principle the price is rising for everything - just remember the notorious Big Mac index. Therefore, you can only enter this market with serious intentions and fairly large sums.”

Yuri, 28 years old, Ekaterinburg:

“I purchased 10 g of gold out of pure curiosity in September 2021 for 25 thousand. As of June 2021, the same piece of metal already costs almost 28 thousand. The increase is 12%. Of course, it’s too early to rejoice, but in principle this investment is made for the long term. Accordingly, you need to wait for an advantageous moment.”

Why choose Sberbank of Russia for storing capital

In terms of the amount of gold that Russian residents bought, and this is a total of about 15 tons of precious metal stored in customer accounts, the Russian Sberbank is considered the leader.
The huge demand for the services of this particular domestic bank can be explained by the favorable conditions provided for clients, as well as the extensive network of bank branches. Sberbank branches are everywhere - in any locality in our country. The leader of the domestic precious metals market began its work in 1841. Thanks to the huge banking capital and stable operation of Sberbank, it is chosen by many Russians who are willing to overpay for the services of a leading bank. The exchange rate and price of gold at Sberbank is determined not only by the current situation on the precious metals market, but also by the situation that is developing in the global market as a whole. It is worth recalling that gold is an international currency. This means that its value is not tied to the economy of any country. How can you find out the current rate of the precious metal if you want to buy gold bars or investment coins?

To get acquainted with the current quotes, you need to type the corresponding query in the search engine window, for example, “the cost of gold in Sberbank of Russia” and use one of the proposed results. In most cases, data presented on analytical resources with an economic focus is updated in real time. In addition, you can obtain the necessary information at one of the bank’s branches.

The current price of the precious metal is also presented on the official website of Sberbank. In addition to gold quotes, the rate of silver, platinum and palladium is also indicated here. Users of the resource will also appreciate information related to the dynamics of exchange rate changes, as well as the archive of quotes. Just a couple of mouse clicks will allow bank clients to find out the possible profitability of one of their deposits in precious metals. Thanks to the profitability calculator, in which you can specify the desired time period and the amount of the deposit, information important for making the right decision will be received by a potential investor in a matter of seconds.

Applications of palladium

Sberbank compulsory medical insurance quotes for today
All of the above characteristics made it possible to find the following methods of application:

• Oil production. Palladium chlorides are used as a catalyst in the production of high-quality gasoline.
• Chemical industry. Serves as a catalyst for the hydrogenation of unsaturated fatty acids and is used as a “litmus test” for the detection of carbon monoxide. Due to palladium's ability to accumulate gases, it is used as a material for purifying hydrogen from impurities.
• Electroplating. It is an activator of copper when covering the surfaces of printed circuit boards with it.
• Electronics. Used as a coating for electrical contacts that require chemical resistance to sulfur-based compounds. Rheochords are made from palladium wire - a rheostat capable of changing resistance in a bridge manner. Palladium-based compounds are an integral part of ceramic capacitors, which are characterized by increased temperature stability of the capacitance.
• Medicine. Due to the inertness of palladium to organic compounds, it serves as a material for surgical instruments, dentures and parts of pacemakers. Palladium isotopes have found application in radiotherapy - treatment aimed at preventing the appearance of early signs of oncology.
• Jewelry production. It is part of the chemical composition of “white gold”, which in turn is a material for all kinds of jewelry. This metal is also valuable for numismatists, because... commemorative coins are minted from it in small editions.

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Methods for opening compulsory medical insurance

The metal deposit demonstrates the price dynamics of metals in an impersonal form. Investors note the attractiveness of this type of investment for obtaining a decent level of profit.

Types of precious metals available for purchase in the form of impersonal metal accounts

This is explained by its advantages compared to the purchase of real precious metal bars:

1. purchase and sale transactions are not subject to VAT;
2. there are no storage and transportation costs, which affects the cost of unidentified metal;
3. there are no risks associated with theft and force majeure;
4. ease of cashing out.

You may also find the article about mutual fund risky bonds in Sberbank useful.

The most common and sought after metal today is gold. The client also has the opportunity to open an account using silver, palladium and platinum. To open, you can use any of the following methods:

• Bank branch.
• Online service (if you have open accounts and activate the service).

Stages of opening a metro account online

When visiting the branch, you will need to fill out an application. The employee needs a passport to identify the client. Opening a metal account follows the same procedure as any other.

Gold price charts for buying and selling

The client can choose his deposit options, which provide different levels of profitability:

1. Profit increases only due to changes in the exchange rate. The amount of impersonal metal remains at the same level, but its value changes based on stock market trends.
2. In addition to the above-mentioned principle of changing the amount, interest is calculated (as with a deposit).

Read our article about how to buy silver bars at Sberbank.

When opening in an online service, the instructions are similar to opening any other account. You will need to select: Open an account – compulsory medical insurance. Fill out an application on the form provided: enter your passport details, amount to invest, type of metal. After review, bank employees will inform the client when they can come to the branch and sign documents to open an account.

Three steps on the path to wealth

In addition, you can invest existing metal ingots. Payments are required for the following operations:

For gold

• standard bars - 0%;
• in unsatisfactory condition - 0.1%;
• measured ingots - 15-400 rubles based on weight;
• ingots in unsatisfactory condition are not accepted.

Download file:
Conditions for placement of precious metals

Download file:

Standard form of the Compulsory Medical Insurance Agreement

For silver

• in excellent condition - 0-0.5%;
• not corresponding to good delivery - 1-1.5%;
• in measured ingots - 0%;
• in unsatisfactory condition - not accepted.
• Platinum, palladium - as agreed.

The service also allows you to control your account. The client can view quotes of precious metals under compulsory medical insurance in Sberbank of the Russian Federation from his Account online.

Silver buying and selling charts

What investments are involved in palladium?

Back in 2014, palladium had the highest price in its history. At present, this situation has remained virtually unchanged. The reliability of this asset is constantly growing. But all risks must be taken into account. Prices for palladium, like other precious metals, largely depend on the state of the industry. The trend is quite fragile, despite the assurances of many experts.

Today you can invest your money in palladium in the following ways:

1. Buy palladium bars at Sberbank. But here you will need to take into account that a lot of money will be required to ensure the safety of the funds. The bullion will be kept safe in the bank vault for a fee. When selling, you will have to fill out a lot of documents to prove the authenticity of the valuables.
2. Palladium coins. In essence, they are the same as ingots, only they also have a beautiful artistic design, for which you have to pay extra. You can purchase coins not only made of palladium, but also with inclusions of other precious metals.
3. Compulsory medical insurance. This option is the most economical. If necessary, the metal can be sold quickly enough. This method has a significant drawback - the inability to insure your funds. In the event of a sharp decrease in funds, the client will lose most of his savings.
4. Purchasing shares of companies involved in palladium mining. This method is suitable for those who have quite impressive savings.
5. Conclusion of a futures contract. For the Russian market, this method is not yet entirely clear, but advanced investors have been making money from this for a long time.

Russian investors are increasingly showing interest not in simple bars and coins, but in more modern investments. Nowadays there is a popularization of compulsory medical insurance. This is an asset that does not require security or additional expenses, and if necessary, it can be sold much faster than coins and bars.

Conditions under which the bullion will not be accepted at Sberbank

The bank has defined a number of restrictions, in case of which it may refuse to purchase bullion from an investor:

1. If the case in which the ingot was sealed is opened.
2. Unreadable information on the certificate.
3. Lack of certificate.
4. Rust or chipped surface of a gold bar.
5. Inconsistency of the weight or dimensions of the ingot with GOST.

In these cases there is only one way, alas! All that remains is to hand over the gold to jewelry workshops or pawn shops at the price of scrap.