Invest in gold coins. Investment in gold
In this material:
Gold is the world's most liquid asset. Moreover, throughout the history of the market, prices for the precious metal have been rising relentlessly. As a consequence, an increase in the level of the volume of funds invested in it. Let's figure out how to invest in gold and is it worth investing in?
What Motivates Investors to Invest in Gold: Reasons
Investing in gold is an established way to diversify your finances. Buying gold allows you to reduce the level of risk from depreciation in times of high inflation, to receive a steady income during severe financial cataclysms.
Gold, as mentioned above, is the most liquid asset in the capital market. It can be sold at any time by transferring to any world currency, for the shortest possible time slice.
Benefits of investing in gold:
- Most stable asset with constant growth cost;
- An excellent insurance tool against the consequences of global financial and political crises;
- High rate of profitability;
- High liquidity ratio;
- Universal diversification asset.
Many opponents of investing in gold argue that the precious metal is not able to provide significant profitability when compared to various securities, derivatives financial instruments(derivatives) and debt instruments that are traded in the financial market. However, as history shows (the 2008 crisis), with an accurate calculation and the right time, the profit can reach 90 percent of the initially invested funds.
Gold Investment Opportunities
For obvious reasons, public investment in gold is not as widespread in Russia as abroad. But in recent times this earning tool has become more accessible. Banking organizations offer many investment services, including the purchase of precious metals.
Buying gold bars
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Buying gold bars is the most well-known way of investing money. However, like all other investment instruments, buying a gold bar has its own specific characteristics.
An ingot of gold is a pure chemical element with a fineness of 999.95. There are two main types available: stamped and cut ingots (from large sheets). In the vast majority of cases, gold bars are round in weight. The most typical values (in grams): one, ten, one hundred, one thousand. Not so long ago, there were gold bars the size of a regular credit card(ChipGold), weighing from 1-20 grams.
When buying a gold bar, be sure to pay attention to whether it contains any contamination. It is important to check the documentation (manufacturer's passport and certificate). V cashier's check must be indicated:
- Purchase cost;
- Gold bar weight;
- Amount of purchased metal;
- Serial number;
- Try;
- The name of the noble metal;
- Time of the completed transaction.
Today there are two types of quality classifications: excellent and satisfactory. Each gold bar must comply with GOST R 51572-2000.
Opening a compulsory medical insurance (unallocated metal account)
Among the advantages of using compulsory medical insurance as an investment instrument is the absence of storage costs. The thing is that when opening an impersonal metal account, the client does not receive precious metal in his hands. All gold is kept in special vaults of the bank. Also, compulsory medical insurance is not subject to personal income tax. There is no need to pay VAT.
Before opening a metal account, you must fulfill the following requirements:
- Choose a bank, check for licenses;
- Check the reputation of the bank, because no metal account falls under the individual deposit insurance program;
- Find out what types of gold deposits the selected bank offers. The legislation of the Russian Federation spelled out two possible options;
- Prepare all the required documents for opening a compulsory medical insurance (identification account, passport);
- Find out if you will need to pay additional money for the maintenance of an impersonal metal account. According to current legislation, You do not need to pay VAT.
In most cases, opening a CHI is free. The only costs incurred by the depositor are the spread between the buy and sell price (at the time of invoice cancellation). One of the disadvantages of this investment method is a small percentage of accrual (up to two percent) or its complete absence. Depersonalized metal account is perfect for speculative operations with the aim of making a profit.
Buying gold coins
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Purchasing investment and commemorative gold coins is one of the most effective ways not only to protect your funds from the harmful effects of inflation, but also to earn a considerable sum of money.
Advantages:
- No need to pay VAT;
- Do not depend on changes in state legislation;
- The reliability of the banking sector is not subject to;
- Possibility to get double profit.
disadvantages:
- Low liquidity ratio;
- Overpriced, loss is possible in case of urgent sale;
- Storage costs.
Investing in gold coins has specific characteristics, especially when compared to buying gold bars or opening an OMC. The price of gold coins is made up not so much of the current quotes of the precious metal on the market as the level of demand. In the overwhelming majority of cases, big role plays the date of issue of the coin, its circulation and appearance. Before buying gold coins, it is best to review the reviews of those who have already worked with similar investment instruments.
Acquisition of precious metal from Sberbank
In Russia market relations began to develop actively in 1997. Today, there are a significant number of financial operators on the market offering opportunities for investing in gold. In the register of the Central Bank of the Russian Federation, about two hundred banking organizations holding licenses for operations with precious metals. V this example, consider the possibilities of buying gold from Sberbank.
Sberbank offers its clients both standard and measured gold bars. Each is produced in Russia with a weight of one to a thousand grams. As in any other financial operator, the cost of gold in Sberbank is higher than the current OMS quotes.
The process of buying gold from Sberbank is simple. All that is required from the client is an identity document. On the part of Sberbank employees, all transactions (with precious metals) are carried out only in the presence of the client. Legal issues at the time of buying gold are provided by Sberbank.
In Sberbank, you can also buy bullion, unallocated metal accounts (OMS), investment coins. Also in Sberbank, special storage rooms are available, with a small cost of their rent.
Profitable gold buying strategy
There are two ways to trade gold - hedging risks, and buying to make a profit. As stated above, gold is an ideal defensive asset against the financial turmoil of the world. In the overwhelming majority of cases, investors purchase the precious metal in order to diversify their assets, or to protect themselves from the harmful effects of rising inflation. All these methods involve extracting extremely low level arrived.
However, despite the seemingly “calm nature” of gold, both investment instrument, you can't make great money on it. The principle is simple - buy at a lower price, sell at a higher price.
The main driver of the value of each asset is the volume of concluded deals. Today, the main buyers of precious metals are:
- Jewelry workshops;
- Exchange traded funds;
- High-tech companies;
- Central banks of the world.
Before finally deciding to invest in precious metals, it is important to determine the following parameters:
- Supply-demand ratio (who buys, who sells);
- Dynamics of production volumes (if the market is oversaturated, the price will not rise);
- The economic situation in the leading countries of the world (in the overwhelming number of cases in the United States).
Having identified all of the above components, you can make a purchase decision.
A striking example of a profitable investment in gold - financial crisis 2008 year. At the beginning of the crisis (November 2008), the cost of one troy ounce of gold was equal to USD 762. Over the next three years, the value of the precious metal rose by more than 100 percent, to the level of 1,762 US dollars (August 2011). But what contributed to such a rapid rise in the price of gold?
Gold price dynamics
Financial cataclysm, uncertainty, bankruptcy - a huge number of banks, investment funds and government regulators around the world began to shift their assets into gold, in fear of losing their capital. The level of demand for the precious metal was several times higher than the available volume on the market. An ideal situation for a profitable investment in precious metals.
Similar situations occur in different financial markets at intervals of four years (according to the well-established theory of crisis phenomena). However, even in calm times, you can make money buying and selling precious metal using simple strategy"Corridor Trading". Now, due to the crisis, we again see a decline in gold prices and this good time to invest in it. It is important to catch the moment when the fall ends and growth begins.
Conclusion
When deciding to buy a precious metal, you should always conduct a thorough and scrupulous analysis, weigh all the risks and opportunities, and always take into account the following:
- The price of gold does not always rise, there are times when the price begins to correct and decline;
- Novice investors should not use short-term gold trading strategies. The best choice is long term;
- Always work with licensed resellers. There are many financial pyramids and scammers.
You should also be wary of buying securities of gold mining companies that do not have their own reserves of the precious metal. This may indicate the absence of production results, and as a consequence - a decrease in the value of shares on the market.
Gold is an asset traditionally characterized by extremely high attractiveness among investors. What is the reason for this? What are the ways to invest in gold and what does their effectiveness depend on?
How profitable is investing in gold?
Investing in gold is, in fact, a type of business with a history spanning thousands of years. This noble metal has been valued at all times, and today its demand as a liquid and reliable asset remains relevant.
However, the main criterion investment attractiveness of any asset - how legitimate it is to expect a stable growth in its value. Is gold characterized by such a property at the present stage of the development of the world economy? Is it worth investing in gold today, or should one prefer other investment options - more profitable and, perhaps, predictable from the point of view of capitalization prospects?
Indeed, gold, like many other precious metals, is characterized by extremely high price volatility. And this is despite the fact that today they are being formed on the world market, which is characterized by a fairly large inertia (as a result of which unpredictable large-scale jumps and drops in prices for raw materials and goods are more a rarity than a rule - but they certainly take place). Gold is a highly demanded commodity. Many central banks, including the Bank of Russia, strive to provide their reserves, primarily with gold, and are actively buying it. It is extremely rare that there is an oversupply of this precious metal on the market.
But, anyway, the statistics recent years suggests that world gold prices are far from stable. If in September 2007 gold cost about $ 700 per troy ounce, then 5 years later - its price increased to $ 1,700. Today the cost of gold is about $ 1,300 per troy ounce.
What does this mean for an investor? The first is that one should invest in gold if there is confidence that its purchase price is “at the bottom” or close to such a level. Second, gold, taking into account the realities of the modern market, is not very suitable for "short" investments. The volatility of gold prices during the year and even during the month can be tens of percent - both upward and downward.
It is very difficult to predict in which direction the gold rate will go based on trends in the global economy. Thus, it is extremely difficult to make a correlation between the prices of this noble metal and oil prices, indicators of the leading stock markets.
Thus, investing in gold in many cases makes sense if there is an opportunity to make "long investments".
With short trades, there is a risk of falling into a downtrend, as a result of which the investment will be unprofitable. But there is, of course, the likelihood of a different outcome - and here the question is in the competence of the investor in terms of predicting the influence of certain factors on world gold prices. There are a lot of such factors, and not all of them appear predictably - not to mention the possible results of their impact on economic processes.
In addition, the acquisition of gold assets can be useful in the activities of a large corporation - as a tool for business diversification.
For her, the "gold" portfolio, most likely, will not be the leading one in terms of volume, but it will be able to become a guarantor of business liquidity if suddenly there are problems with cash in cash and other assets that the company can pay to creditors.
It also matters how the investment in gold is made. Let's consider the most common options for such investments.
What are the ways to invest in gold?
Probably the easiest way is to invest in physical gold. That is - the implementation of purchases of gold bars or products containing this noble metal - for example, commemorative coins, jewelry. Physical gold can be purchased from different suppliers - but the question is where to store it later. The most reliable options here are renting a cell in a bank or opening an impersonal metal account with a financial institution. The bank will take on the main risks to ensure the safety of gold. Such services are available in most of the largest Russian banks - including Sberbank and VTB 24.
If necessary, the owner of an impersonal account can at any time sell the precious metal belonging to him. In many cases, asset management operations on CHI can be carried out via the Internet - using the depositor's Personal Account.
The main risk in opening compulsory medical insurance is that such accounts are not subject to deposit insurance legislation. If the bank closes, then the return of the volumes of gold transferred to it will be possible only within the framework of the bankruptcy procedure and debt collection from credit institution at the expense of the assets he has.
Another way to invest in gold is by investing in stocks of gold mining corporations (and related businesses such as jewelry). They can be carried out both when interacting with issuers directly, and through brokers or a stock exchange. It is noteworthy that the growth in the capitalization of gold mining companies in many cases does not depend on the increase in gold prices. It also happens the other way around: when the metal becomes cheaper, the demand for it increases, as a result, the need for more gold supplies. The number of orders at the enterprise is growing, its capitalization is increasing.
The same can be said for the jewelry business. At the same time, the key growth drivers for the shares of companies associated with gold mining may be extremely different from those that characterize jewelry firms. Central banks tend to be among the largest customers of gold mining corporations. The main buyers of jewelry are private individuals. The structure and activity of demand from both sides can be different.
The next option is to conduct classic exchange trading, in which gold will be one of the trading instruments (like, for example, currencies on FOREX). This scheme allows you to use "leverage" - when, with a small amount of investments, it is possible to increase them several times in case the trader guesses with the price movement. It can be negative - and this is another advantage in exchange trading gold. Even with a fall in world prices for this noble metal, a trader can be a big winner.
Thus, the efficiency of investment in gold in modern conditions depends on the method of their implementation, the knowledge and skills of the investor in terms of managing "gold" assets - physical metal, securities of gold mining corporations (and other related businesses), as well as in terms of implementation exchange transactions with gold. At the same time, the increase in the cost of physical gold does not predetermine the growth of capitalization of gold mining businesses - and vice versa. But with experience, many investors can acquire the ability to predict trends with high accuracy in both cases, and they can be extremely successful in doing business using gold assets.
Gold has been appreciated at all times. Let us recall at least the era of the gold rush, when thousands of people who wanted to get rich rushed in search of this metal overnight. Possession of gold is an indicator of status and prestige. Not only people, but also entire states are striving to possess more and more of this precious metal. After all, gold is an integral part gold and foreign exchange reserves leading countries of the world.
Over the past couple of centuries, the price of gold has been growing rapidly and reached its peak in 2011, when a troy ounce of gold, and it is in such units that this metal is measured, was worth about $ 1,900. Considering that in the 19th century, about $ 20 was given for 1 ounce, then, as we can see, the growth is truly stunning. However, after growth, as a rule, pullbacks follow, and today the price of gold is fluctuating in the range of 1000 -1250 dollars / ounce.
Thus, just as not all gold that glitters, so not all investments in gold, and not at all times, are profitable. Therefore, we will consider the main ways of investing in this precious metal and figure out when to refrain from investing in it. Since in some cases, by purchasing gold, you can not only not profit from your investments, but also remain at a loss.
How to invest in gold
There are different ways to invest your savings in gold:
- Buy gold bars from the bank;
- Purchase gold coins;
- Open a compulsory medical insurance or an impersonal metal account;
- Buy jewelry;
- Speculation on stock exchanges.
Purchase of bank bars
The first thing that experienced investors turn their gaze to when deciding to invest in gold is bank bars of various sizes. In addition, ingots from precious metals purchased as a gift to loved ones. You can buy gold bullion at a banking institution licensed to trade metals.
How much does a gold bar weigh
The bank will offer you a choice of measured ingots of various weights: 1; 2; 2.5; 5; ten; twenty; 50; 100; 250 grams, bars weighing half a kilogram, as well as 1 kilogram of gold. A larger volume is made only by individual order.
In domestic banks, you can also find bars in troy ounces, where one ounce is equal to 31.10 grams.
How much is a gold bar
The weight of a gold bar directly affects its price. The more grams in the ingot, the lower the price of that gram in it. Therefore, it is more profitable to save up a sufficient amount of money in order to purchase bars of a larger denomination. The most popular and attractive in terms of investment are bars weighing 100 grams or more.
To buy gold from a bank, you need to go to the bank branch, having previously agreed on the availability of bars by phone, and purchase an ingot of the required weight.
You can store gold reserves both at home and in a rented safe deposit box. Gold bars are usually purchased for long-term storage, since the difference between the current buying and selling rates is most often simply extortionate for the buyer. And if, having bought gold, for one reason or another, decide to sell it almost immediately, you will definitely lose part of your investment.
pros
Safe (if stored in a bank);
Prestigious.
Minuses:
Payment of VAT;
Large spread between the buy and sell prices;
Long-term investment;
It is risky to store at home.
Investing in gold coins
In addition to ingots, gold can be purchased in the form of coins. Coins are bought in banks that have received a license for a similar type of activity.
There are coins:
Investment;
Collectible.
The second type is attractive primarily for avid collectors. The advantage of collectible coins is that by purchasing a rare or valuable coin, after a while it can be very profitable to sell. However, in this case, you need to understand the nuances of collecting and know what is especially appreciated in this environment. Investment ones, in turn, are cheaper and, if necessary, banks buy them back.
However, it should be remembered that banks do not accept back coins that have some kind of damage - scratches and even abrasions, and therefore coins, as well as ingots, require careful handling.
pros
Available;
You can get carried away and collect a good collection of coins, which will be highly appreciated in the future.
Minuses
You yourself will have to take care of the safety and security of the coins;
You need to understand the value of collectible coins;
They require careful storage.
Depersonalized metal accounts
Most banks provide their clients with the opportunity to open anonymized gold accounts (OMC). In this case, after payment, you will not receive gold in your hands, but an agreement with the bank, confirming your right to the n-th amount of precious metal. The gold itself remains in the bank in a kind of deposit account.
Distinguish:
Urgent accounts - valid until a certain date;
Indefinite - on demand of the depositor.
As you can see, it is convenient and safe. In addition, you do not need to pay additional commissions and taxes. VAT will be removed from you only if you want to cash out the account and collect gold from the bank.
However, there are some nuances here. Deposit insurance does not apply to such accounts, and if something happens to the bank, no one will return your savings to you. In this case, there is only one answer to the question “how to invest in gold” and not lose your savings - to choose a reliable and trusted bank.
pros
Not subject to VAT;
There is no risk of losing the purchased gold - it is kept in the bank;
Interest may be charged on such accounts.
Minuses
No money back guarantee.
Buying gold jewelry
When it comes to buying gold, a trip to the nearest jewelry store is the first thing to think about. a common person... And it will be wrong. Buying jewelry can hardly be called investing in gold. The pleasure of owning a beautiful thing - yes, but not an investment of savings. And that's why.
Buying such items, you pay not only for the gold itself, but also for the work that the jewelers have done, giving it one shape or another. And do not forget about all kinds of trade margins, taxes, which are also included in the price. And if in the future you have to sell jewelry, you will bail out for them, with rare exceptions, an order of magnitude less money than those for which you purchased at one time, since they will accept it from you based on the weight of the product, without taking into account all the above nuances included in real value.
Pros:
Available at any jewelry store
Beautiful, can be used as decoration
Minuses:
The price of the product includes, in addition to the cost of the gold itself, the work of the master, as well as all kinds of trade markups.
In such products, gold often goes in an alloy with other metals.
If the sale is necessary, it is not always possible to return the money invested
Speculation with exchange instruments
You can profit from gold without investing directly in the physical equivalent of this metal. It is enough to sell or buy futures contracts on the stock exchange and make money on the price difference. Moreover, in this case, you can make a profit both on the growth and on the decline in prices. And the leverage provided by the broker allows you to operate significantly large sums than you have in stock.
All you need is to open and fund an account with a broker, install trading terminal, get acquainted with the principles of work stock exchange or the Forex market. Also, it will not be superfluous to understand trading strategies and only then can you start working.
Important! Working with futures is a highly risky operation and only professional players who are well versed in all the nuances of exchange trading make money here on a stable basis.
Pros:
With the right approach, the ability to quickly make a profit on price fluctuations.
Minuses:
There is a risk of winding down all the capital if you do not fix profits in time or, in the worst case, albeit small, but losses.
conclusions
If you are thinking about investing in gold, you need to observe the golden mean - do not succumb to the gold rush, investing all your money in it and not give up buying gold completely. It is worth investing in gold only a part of your capital and it is best to do this in calm times, and not in the midst of a crisis, when, on the wave of excitement, the price for it tends to rise.
Whether to listen to the opinions of analysts is up to you. However, as practice shows, even the most eminent of them are inclined to make mistakes. Therefore, before investing significant sums in precious metals, it is worthwhile to independently compare different opinions and analyze various sources.
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What are the pros and cons of investing in precious metals? Is it profitable to invest in gold in 2017? How can a graph of the dynamics of gold prices be useful?
Hello everybody! In touch Denis Kuderin is an investment expert.
For many years my friend has been collecting commemorative and commemorative coins, including gold ones. So, some of them have increased in price by 5-15 times or more in just 10 years. For example, he showed me the Sower coin, which he once bought for 1000 rubles. Now it costs about 20,000 rubles. It can be sold to the same Sberbank at any time.
The price of the "St. George the Victorious" coin issued in 2008 rises by 20-30% every year. In the year of release, it could be purchased for 6,000 rubles. Now it costs 17,000. If at one time I had bought a dozen of these coins ... Will we count the lost profits or together will we figure out how to invest in gold wisely? That's right, let's figure it out!
And I will also tell you which companies can be trusted with "gold" investments and tell about possible risks such investments.
Go ahead, friends!
1. What are the features of investing in gold
Precious metals and especially gold have been one of the safest and most profitable investment areas for thousands of years.
None economic reforms and political shocks will not negate the fact that the reserves of this metal on the planet are limited and a real decline in its value does not threaten it either in the near or in the distant future. Unless new alchemists will appear and learn how to extract gold from lead. But this is, to put it mildly, unlikely.
It is noteworthy that economic crises do not reduce gold prices, but vice versa.
Example
According to Sberbank, the profitability of impersonal metal accounts over the past 3 years was 84%. And the price per gram in 5 years has grown from 1,600 to 2,500 rubles.
Investing in gold in 2017 is as profitable as it was a year or 5 years ago. Moreover, experts believe that the price of this metal is likely to rise by the end of the year. Another issue is the payback period for such investments.
And nevertheless, you should not immediately run to the bank and exchange cash for gold bars. First, you need to weigh all the pros and cons of such a decision and study the basic rules for investing in precious metals.
The first rule that an investor in precious metals needs to know is that investments in gold are designed for long-term profit. It will not work to get real income in 3 months and even in half a year. The return on investment is measured in years. See the graphs of the dynamics of the growth of gold prices on the websites of large banks.
Here is an example of such a graph.
The next point is the choice of the investment method. Every citizen of Russia has the right to purchase bullion or coins in a bank, as well as open an impersonal metal account (OMS) in gold and other precious metals. Each method has its own characteristics and risks, which I will discuss in detail in the corresponding section of the article.
The main advantages of investing in gold:
- gold almost does not fall in price - we are not talking about seasonal fluctuations, but about long-term quotations of value;
- this metal does not rust, does not corrode, does not wear off - if your great-grandfather bought a 1 kg ingot 100 years ago and passed it on to you, the weight and appearance of the metal will remain practically unchanged;
- it is easy to store - the ingots are compact and do not require special maintenance;
- gold is liquid - it can always be sold to banks or others;
- it is a universal currency that is valued on all continents and in all countries.
The main disadvantage of gold as an investment instrument is its high purchase price. Not every citizen has free money to purchase the amount of gold needed to generate a stable income.
Another drawback is the long waiting period for profits. I have already spoken about this - in order to get a solid profit, you will have to wait several years. Also, gold is a property and is taxed.
Method 3. Depersonalized metal accounts
An interesting and promising way to invest. OMS is opened in a bank licensed for this type of operation.
The client purchases gold virtually at the price he sets banking institution... As a rule, this price is slightly higher than the exchange value of gold on that day. The buyer has nothing to do with the metal itself, it is just that the amount that he makes on the deposit is converted into grams of precious metal.
In the event of a rise in gold prices, the client receives a guaranteed income. If he closes the account, he is returned the cash equivalent of the value of the metal, but already recalculated at the current gold rate.
Significant advantages of compulsory medical insurance:
- unlike “physical” gold, unallocated accounts are not subject to VAT;
- the price of gold on compulsory medical insurance is as close as possible to the exchange price, which makes it possible to sell assets as profitably as possible in the case of a demand account;
- accounts are credited bank interest(albeit small).
There are also disadvantages that experts and analysts say. Most importantly, such deposits are not insured by banks, like cash deposits. This increases the risk for the depositor. Therefore, when choosing a bank to open an OMS, be extremely careful. Choose only proven and reliable institutions with a long experience of work.
Method 4. Exchange trading
This is the easiest way to invest in precious metals. There is no need to acquire "physical" gold, and therefore the question of its storage disappears. At the same time, brokers receive income not only due to an increase in the price of gold, but also due to a fall in it.
Leverage allows you to trade volumes in excess of the deposit, which also has a positive effect on profitability. And you don't have to pay taxes.
There are also risks, where without them. The probability of losing a deposit is present in any exchange transactions. It all depends on the reliability of the broker and the effectiveness of the chosen trading strategy.
In the table, the pros and cons of each method are presented in a visual form:
№ Investment methods Advantages disadvantages 1 Ingots Over the years, gold does not fall in value, but grows 18% VAT on the purchase of ingots 2 Coins The value of investment coins is steadily increasing To purchase collectible and commemorative gold coins, you need to understand numismatics 3 OMS No tax on account opening Deposits are not insured 4 Exchange trading The question of storing gold disappears Not easy to find reliable broker and a good trader For more information, see the corresponding publication.
3. How to invest in gold - step by step instructions for beginners
So, you firmly decided not to keep money under the mattress anymore, but to make it work for you. Having started investing, prepare yourself mentally: gold is a reliable instrument, but there are risks in any financial transactions.
It is necessary to act systematically, soberly, reasonably.
Step 1. We assess the current financial condition and put our finances in order
The step is obvious, but I cannot but include it in the instructions. Any investment requires a preliminary assessment of its financial capacity... Count your assets including additional income, and match them with liabilities.
If, for example, "hangs" on you mortgage debt or credit, which takes 30% of the basic income, it is hardly worth counting on a significant amount of free funds. Overestimating your investment opportunities is the main mistake of every beginner.
But too much caution will not bring benefits. One dollar today is always more expensive than the same dollar tomorrow. To keep your savings, you need to invest them. This is how the economy works, regardless of the scale of the funds available.
Step 2. We designate the goals and objectives of investment
Investments are not abstract. Having made a contribution, you need to know how much it will bring you and for how long. Decide on the goals and objectives of the investment.
For example, you need to increase your funds by 50% within a year and a half to purchase a Peugeot 408 car. To implement such a plan, you will have to choose the most profitable and at the same time risky investment method. Having achieved your goal, withdraw assets from the game and buy a car.
Don't be greedy. The pursuit of excess profits often ends in ruin.
Step 3. We develop an investment strategy
There are many investment strategies. Study them beforehand. Let time be wasted, but basic economic knowledge is the same capital.
Strategies are active and passive, long-term and short-term, aggressive and moderate, high-risk and vice versa. The choice depends on your goals, the amount of capital and temperament.
Step 4. We determine the investment method
I have already talked about the instruments for investing in gold. The choice is yours. Experts advise beginners with relatively solid funds to start with impersonal gold accounts. The risks are moderate, the profitability is quite predictable. The main thing is to open an account with reliable bank, which in the next 5-10 years is not threatened with ruin.
Step 5. Choosing a company and a program for investment
Investments in precious metals are offered by banks, investment funds and other financial institutions. How to choose a reliable partner?
I offer several criteria for choosing a company:
- experience - ideal if the institution has been operating on the market for more than 10-15 years;
- the presence of a functional site with interactive functions and content useful to users;
- number of investors;
- choice of investment instruments - the more offers a company has, the better.
The best option is to find an institution based on the recommendations of friends who have already received real income from their investments in this company.
Step 6. We submit an application and conclude an agreement
The next step is contact with company representatives. If the firm offers free consultation to clients, be sure to use this option.
Let the manager or consultant explain to you all the nuances and subtleties and help you choose the most suitable program.
Step 7. We deposit funds and make a profit
It remains only to deposit funds and wait for profit. The Internet allows you to check the return on investment from a distance. Start Personal Area and periodically monitor your account status.
4. Rating of companies for investing in gold - an overview of the TOP-3 reliable
To make it easier for readers to choose reliable companies for investing in gold, we have selected 3 of the most reliable Russian organizations working with precious metals.
Read, compare, analyze and make decisions.
The bank was founded in 1990 - it is the oldest institution in new Russia... One of the fastest growing banks in the Russian Federation, industry leader and strongest player financial market... The company's assets are estimated at 250 billion rubles. There are branches in 55 regions of Russia. The head office is in Yekaterinburg.
One of the hundred most reliable banks in the country. It occupies the highest lines in the ratings of independent organizations. National rating agency awarded the bank the AA level - the highest degree of solvency and reliability.
The bank offers its clients deposits in gold and silver. This is a good opportunity to earn income due to the rise in prices for precious metals. Available to consumers term deposits in gold and demand deposits. The compulsory medical insurance is a guarantee of saving funds from inflation, plus the absence of problems with storage, transportation and certification of precious metal.
Check the terms of investment deposits in gold directly on the website and by phone.
according to the Interfax agency. More than a million clients, 18 years of experience in the exchange of currencies and precious metals, 3 international licenses... The dealing center offers clients all the tools they need to work on the exchange.
Trading gold requires special knowledge and skills, so beginners should use the help experienced traders.
The reliability of Sberbank is evidenced by at least the fact that it is the oldest in the Russian Federation financial institution... The bank was founded in 1847. More than 70% of Russians are Sberbank clients and active users. The company has more than 17 thousand branches in 83 constituent entities of the Russian Federation.
Sberbank buys and sells gold bars of various weights, coins (investment and commemorative), offers clients to open metal accounts on the most favorable terms... The site has up-to-date charts of price dynamics for gold, silver, platinum and palladium since 2003.
5. How to reduce risks when investing in gold - 3 useful tips
As I said before, there is no investment without risk. But there are ways to reduce the likelihood of losing funds.
Read expert advice and don't forget to put it into practice.
Advice 1. Use a variety of investment instruments
In economic parlance, this is called deposit diversification. It is wiser to divide the capital into several directions and thereby protect funds from complete loss.
If one instrument suddenly turns out to be unprofitable, then others will protect your investment portfolio from a complete collapse.
Gold has always been synonymous with wealth, capital is also stability and reliability, at least in the economic interpretation. Even thousands of years ago, gold was not only a means of payment, but also a means of accumulating and saving one's own fortune.
Thousands of years have passed, but the situation has not changed fundamentally, and today gold is actively used to save and store capital. Moreover, there are a lot of examples, from ordinary women in India who buy gold items to create their own "financial parachute". According to their laws, all the gold on a woman is her property and with it she leaves her husband's house, it is interesting that a similar practice is common in the Muslim world. All, without exception, the central banks of the world, which keep part of their reserves in gold, and not virtual, but physical.
Interestingly, most of the physical gold of the EU countries is stored in the United States, and last year there was a rather big scandal (in narrow circles) when a part of European countries decided to take their gold from the United States. The process, as reported by the press, has already begun, but the actual transportation of gold will take at least 5 years.
If everything is more or less clear with Indians and central banks, then Was it worth investing in gold for an ordinary person?
How to invest in gold, available options
There is a fairly small set of tools for investing in gold for ordinary citizens; to work with the same sand, nuggets, a permit from the Assay Office of the Russian Federation will be required. The available list includes the purchase of coins, bank bars, and the purchase of jewelry. On a separate line opening of special metal accounts - OMS (unallocated metal account) is in progress.
Each of the options has its pluses and minuses, but in all options, except for bank accounts, investment makes sense only in the long term from 5 years. It is worth noting that in addition to the rather large disadvantages, there is also a huge plus.
The big advantage of investing in physical gold is its highly liquidity, almost at any time gold can be converted into a “living” ruble. At the same time, the correct selection of instruments allows you to carry out such a conversion with minimal losses, of course, compared to most other instruments suitable for investing money (more details here).
Ingots
Bank bars are marked bars with documents containing 999.95 gold. Usually sold in a hermetically sealed package, when purchasing cans, they require an identification card.
When buying a bank bullion, be sure to check the availability of all documents for gold, plus keep the receipt.
Cons of investing in bullion
- - the need to pay VAT (18% of the cost of gold, which will not be returned later);
- - difficulties with the sale. they are reluctant to redeem ingots, while very carefully checking not only the documents of the gold itself, but also its physical safety. The presence of scratches or scuffs gives an almost 100% guarantee that the bank will not redeem the bullion.
- - high sales discount. Banks buy back with a spread of at least 20% to the market price.
Pros of investing in gold bars
- - high liquidity;
- - 100% protection against inflation, crises and devaluation, and not only the ruble but also the dollar.
- - in the future 5-6 years at least 30%, with a profitability of 70%
Where is the best place to buy ingots
The best is to buy outside of Russia, in most countries such a purchase is tax-free, which will save 18%, plus Russian banks the difference between the market price and the selling price of bank gold differs by 20-25% (this is especially noticeable on small bars). Abroad, the spread is an order of magnitude lower. True, you can buy only within a certain limit (check with customs before buying), everything above is subject to an additional customs duty.
Coins
The minting of gold coins is mainly carried out by the Central Bank and, there are two fundamentally different categories:
Investment coins- they are of the greatest interest to the buyer. So when buying them you do not need to pay 18% VAT, in most cases the spread between the market price and the selling price is relatively small. And most importantly, such coins are bought with pleasure not only by banks, but also by jewelers.
It is worth noting that gold transactions (excluding jewelry) between individuals is prohibited, but who prevents you from finding more interesting options than the banal sale of investment gold coins, for example, an exchange.
Commemorative coins- these coins have a price much higher than the face value of a gold equivalent and are valuable for numismatists and collectors. Investing in this tool is quite risky without knowledge and appropriate acquaintances.
Decorations
Gold jewelry was and probably will remain the main instrument for saving capital in the East for a long time, it has already been said about Arab and Indian women. The Slavs do not have such a tradition, but this does not prevent our women from investing.
True, the configuration
wife - gold - decoration - investment
represents a specific aspect of our life and by and large cannot be a benchmark. In fact, this option of investing in gold is only suitable for the wives of wealthy men who must be ready for quick changes in their lives, while having no other tools to create a “financial parachute”.
In fact, investing in gold jewelry is only profitable if the jewelry is very old or is a work of art (which could hypothetically go up in value). In all other cases, such investments are not profitable, since the sale of such jewelry is made by weight, and the purchase is by weight, plus the work and margin of the store. That is, in any case, the conversion of gold back into money will be negative.
Metal accounts, deposits in gold
Depersonalized metal accounts (OSM) are opened in banks and have a more virtual basis, in most cases we are not talking about a physical metal (it can be in gold, platinum, silver). In fact, the virtual metal is bought at the market price, and when money is withdrawn, it is sold at the same market price (set by the bank).
This tool is very convenient and here's why:
Advantages of metal accounts in gold, silver
- — high reliability... De facto, such investments completely protect capital from inflation and devaluation.
- - high liquidity. Converting savings back into cash can be done very quickly.
- - no additional. All transfers are carried out at the current rate of gold in the bank.
Minuses
- - the money is in the bank, that is, all the risks associated with bankruptcy financial institution fall on the shoulders of the depositor.
- - you can only earn if the price rises. Unlike, on OSM practically are not charged, and if there is something scanty.
- - OCM does not fall under the guarantee of deposits.
Conclusion, OCM is a very convenient and practical tool if you need to "wait out", but you will not be able to make money on it. You also need to very carefully choose banks, my advice or the large state-owned Sberbank of Russia and its gold account or large foreign banks
Is it worth investing in gold in 2016
You cannot find a more reliable instrument for saving your own money, gold is and will be the main savings instrument for many years to come, but this option will not allow you to earn and make a big profit. By and large, even after 10 years, having converted gold into money, you will simply receive the nominal value of your capital, taking into account the past inflation and depreciation of paper money.
And now a little video with the opinion of experts on investing in gold.