Profitability calculator for impersonal metal accounts. Anonymized metal account
Compulsory medical insurance is an impersonal metal account, which is the equivalent of a specific precious metal (gold, platinum, palladium, silver), which belongs to the client and is calculated in grams. At the same time, its individual characteristics are not indicated (serial number, sample, number of ingots, their manufacturer). Sberbank of the Russian Federation makes it possible to open a personal compulsory medical insurance account for gold and receive a certain income by playing on quotes. The principle is almost the same as in the stock market.
Features of an impersonal account
The opening of compulsory medical insurance for gold and other precious metals has a number of features. Firstly, investing in gold can be considered the most convenient option for saving money from inflation, since precious metals have high liquidity. Secondly, the investor does not pay for the storage of the metal, since the gold is not “physically” transferred to the investor. Thirdly, the acquired asset will not depreciate due to poor condition, which is often the case with coins and bars. Due to the fact that compulsory medical insurance for gold is becoming more popular, Sberbank is doing everything to make the purchase and sale of metals on it as simple and accessible as possible for investors.
The main advantage of compulsory medical insurance is that there is no need to pay VAT as when purchasing “physical” gold.
Investing in such accounts has a number of advantages:
- The procedure for buying and selling gold takes place almost instantly;
- When conducting financial transactions under compulsory medical insurance with precious metals, there is no VAT;
- Opening and servicing an impersonal account is free of charge;
- Compulsory medical insurance can be issued to third parties, including minors;
- If desired, the investor can receive gold or other precious metal for which the account was opened in bullion. However, it should be taken into account that in this case a VAT of 18% will be charged;
- The cost of non-cash gold does not include the costs of manufacturing and storing bullion and transporting it.
Taking into account all these advantages and advantages, we can draw the following conclusion: impersonal gold purchased through Sberbank is today considered a worthy alternative to playing on the stock market. But besides the positive aspects, impersonal metal accounts also have a number of disadvantages.
Individuals receiving income from operations with compulsory medical insurance must independently calculate personal income tax and pay it. At the same time, you should know that income received from impersonal metal accounts that have been owned by an individual for more than 3 years is not subject to personal income tax.
Such accounts are not included in the State Deposit Insurance Program.
Not all bank branches have the technical ability to open compulsory medical insurance accounts and carry out financial transactions with them.
How to open compulsory medical insurance in Sberbank
Before opening a compulsory medical insurance, you need to decide on a bank. Only the most reliable financial institutions are suitable for this type of investment. Otherwise, the investor may lose his savings. For example, when a bank’s license is revoked or it goes bankrupt. This is why most depositors choose Sberbank and Gazprombank (the second most popular impersonal accounts) in order to open a metal account for gold or other precious metals. To do this, you must provide your passport and TIN (if available) to the bank office or its branch.
After this, the depositor enters into an agreement with the bank and purchases non-cash gold at the established rate that Sberbank set at the time of the transaction. At the same time, it should be taken into account that the Sberbank exchange rate is set depending on the quotation of the Central Bank of the Russian Federation and the dollar exchange rate, as well as taking into account the situation on the global precious metals market. It is recommended that before opening compulsory medical insurance in a particular precious metal, you first study their quotes and price dynamics.
If any questions arise, everyone has the opportunity to contact a highly qualified and experienced online consultant who will provide all the most necessary information. In addition, he can help you choose the most suitable option for you on how to most profitably invest your money.
Unallocated metal accounts, like deposit accounts, are of two types - urgent and on demand. The first option involves deposits at a certain interest rate and for a specific period, while interest is accrued in grams, and the storage period for gold on compulsory medical insurance is specified in the contract. If it is terminated early, no interest will be paid. This type of deposit is more suitable for long-term investing.
When applying for compulsory medical insurance on demand, it should be taken into account that this type of deposit is interest-free, and income is generated only by increasing the value of gold or other precious metal (in which an impersonal metal account is opened). This method allows you to quickly respond to fluctuations in quotes and instantly take profits by buying or selling precious metal. This option is chosen by investors who prefer a speculative strategy.
What to consider when opening an account
When opening an impersonal metal account, you must clarify the following points:
- Types of available deposits;
- Minimum and maximum period for placing a deposit;
- Interest rate (if you plan to open a time deposit);
- Spread size;
- The minimum mass of gold or other precious metal purchased;
You should know that all transactions with silver are carried out with an accuracy of up to 1 gram, and with gold, palladium and platinum - up to 0.1 gram, so the minimum deposit amount can be 0.1 gram. unallocated gold on the day of the transaction. The cost of impersonal gold today in Sberbank of Russia is: purchase - 2219 rubles per 1 gram / sale - 2477 rubles.
You should also remember that the compulsory medical insurance rate may differ by region.
Sberbank of the Russian Federation provides its clients with the opportunity to use a profitability calculator. This is a fairly convenient service with which you can easily calculate the profitability of your impersonal metal account. To do this, you need to go to the Sberbank website, select the type of precious metal, its mass and deposit period. The result is displayed in the form of a graph.
You can also open compulsory medical insurance through the interface of the Sberbank program online.
You can also manage your compulsory medical insurance account with Sberbank using the Internet service - Sberbank-online, which allows you to do this as quickly and comfortably as possible.
Summarizing all of the above, we can conclude that compulsory medical insurance opened for gold at Sberbank of the Russian Federation is a completely reliable way to save your savings from inflation, and with the right strategy chosen, it is also a way to increase them.
What is compulsory medical insurance?
This is an account that is opened in a bank in order to take into account the movement of metals in an impersonal form. It also reflects the metal in grams without installing any individual signs, such as: fineness, serial number, number of ingots, manufacturer and others.
Another remarkable factor in working with compulsory medical insurance is the dynamics of changes in compulsory medical insurance quotes - it is always positive. Additionally, operations are carried out to attract and place them. Typically, such an account is maintained in one precious metal, for example, silver, gold, palladium or platinum.
Advantages
- In an impersonal form, there is no VAT when selling and purchasing precious metal;
- The cost of precious impersonal metal does not include the costs spent on the production of the bars themselves, transportation and storage;
- General accounting of all metal is carried out by the bank, so the risks associated with loss and other force majeure events are borne by the bank;
- With relative stability, it is much easier to cash out an impersonal metal account rather than try to sell bullion. After all, when selling bars, you will need to check the weight, integrity and authenticity of the bars and prove these parameters to the buyer.
Flaws
- There is generally no interest accrual on precious metal balances;
- Funds for compulsory medical insurance do not fall under the law on insurance of deposits from individuals;
- A deposit insurance guarantee is not issued for these accounts. That is, you always risk losing part of your funds; if the bank is closed, some of them will be returned to you by the insurance company, the rest will be lost to you;
- It is important to remember that the sale of metal is possible only after filing an income tax return and paying income tax on the profit.
When you are planning to open your compulsory medical insurance, you are probably asking yourself the following questions:
- Which bank is better to open compulsory medical insurance?
- Which metal is better to invest in now?
- What is the profitability of compulsory medical insurance, is it profitable to open it?
- Where can I see quote rates for compulsory medical insurance?
Since compulsory medical insurance is not covered by the system of guaranteeing citizens’ deposits, then, of course, you need to choose a reliable bank that will not go bankrupt. This could be one of the large banks, such as Sberbank, VTB 24 or Bank of Moscow
You can invest your funds in compulsory medical insurance not only in gold, but also in silver, platinum, and palladium. In addition, gold, silver and platinum have high liquidity as jewelry.
However, some metals are more unstable in the short term. For example, silver fell 35% last year. Gold is the most stable metal, so inexperienced investors are advised to choose gold for investment.
Where can I watch the dynamics of gold prices?
If you have already chosen which precious metal to invest your funds in, for example, gold, which, of course, comes first among investors, then you will certainly be interested in the dynamics of changes in compulsory medical insurance quotes.
You can always look at official quotes for precious metals on the website of the Central Bank of the Russian Federation.
However, if you have already chosen your bank and opened your compulsory medical insurance there or are planning to open it, then you should definitely look at the quotes on the official website of your bank.
For example, you decide to invest your funds in Sberbank compulsory medical insurance. Then, on the official website of the Sberbank you can see the dynamics of changes in compulsory medical insurance quotes, do not forget to first select your city, because the compulsory medical insurance rate in Sberbank differs by region.
And, of course, you will be interested in using such a service as the compulsory medical insurance profitability calculator, because you can independently calculate the profitability of your compulsory medical insurance and see the result on the graph. You choose a period, imagining that you have already discovered compulsory medical insurance in the past and select the mass of metal.
Thus, you can decide for yourself how much money and for what period it is profitable to put into compulsory medical insurance, over what period of time the dynamics will be positive.
VTB 24 also has a similar service for calculating the profitability of compulsory medical insurance on its website. On the Bank of Moscow website there is a table of Indicative Precious Metals, where you can see their quotes for today.
Compulsory medical insurance and Savings Bank
OJSC Sberbank of Russia is actively working with impersonal metal accounts. This bank offers its clients services for maintaining and opening compulsory medical insurance accounts in palladium, gold, silver and platinum. The compulsory medical insurance rate at Sberbank is always stable.
Compulsory medical insurance for gold at Sberbank has advantages over other metals. The OMC of silver is in less preferred positions. The compulsory medical insurance rating for palladium and platinum closes.
Sberbank Online
Internet banking Sberbank online is a wonderful opportunity to manage all your accounts and perform various operations remotely and independently, without the need to physically visit a bank branch. You can perform these operations and receive any information at any time of the day or night.
Also at your service is complete information about the products you have used and the registration of new services and products without unnecessary bureaucratic research.
In Sberbank online you can make various transfers to more than 18,000 recipients and make various payments. You also have access to the Sberbank compulsory health insurance profitability calculator online.
The following operations with compulsory health insurance accounts are available to you:
- Purchase/sale of precious metals to impersonal accounts in an impersonal form;
- Obtaining complete information about the current balance of precious metals on the account and a detailed statement of information on all transactions on the account.
At the same time, connecting to the Sberbank online system is free, moreover, you do not need to pay a monthly subscription fee.
Bank of Moscow
The Bank of Moscow is ready to offer you the following services for working with impersonal metal accounts:
- Opening current impersonal accounts in gold, platinum, silver and palladium;
- Purchase/sale of gold bars in denominations: one, five, ten, twenty, fifty, one hundred, two hundred fifty and five hundred, and finally, 1000 grams. The purity of these ingots is 99.99%.
Compulsory medical insurance deposits at the Bank of Moscow are very easy to make. An impersonal metal account is required to carry out any transactions with impersonal precious metals. Unallocated precious metals do not have any indication of purity, manufacturer or serial numbers.
Compulsory medical insurance at a bank in Moscow is profitable and convenient. An unallocated metal account can be opened at any branch of this bank.
When you open this account, you have the following options:
- purchase of compulsory medical insurance for Russian rubles;
- sale of compulsory medical insurance for Russian rubles;
- non-cash transfer of your precious metals from one compulsory medical insurance registered with the Bank of Moscow to another registered with the same bank;
- withdrawal from compulsory medical insurance of gold and silver in the form of bullion in any branches of the Bank of Moscow equipped with special scales;
Operations with compulsory medical insurance at VTB 24
Compulsory medical insurance VTB24 is convenient and simple for a number of reasons. VTB24 offers at your service the opening of impersonal metal accounts in silver, gold, palladium and platinum. VTB has set a minimum threshold for the purchase and sale of precious metals. For silver - 1 gram; for platinum, palladium or gold - one tenth of a gram, without a deductible minimum balance. To the balance of precious metal in an unallocated account.
All transactions with metal on these impersonal accounts are carried out without physical delivery of these metals; VTB24 does not issue coins or bars in physical form. The term of the contract for unallocated metal accounts is not limited in any way.
Transactions on the account are carried out in accordance with the bank's tariffs.
Storing funds on compulsory medical insurance does not fall under the law on insurance of deposits of individuals; accordingly, they are not covered by the guarantees of the deposit insurance system, of which VTB24 is a participant.
Hello, dear readers.
In this article I will briefly tell you what an impersonal metal account is ( Compulsory medical insurance), why I consider this method of investing funds in a bank to be the most profitable compared to long-term deposits and deposits in foreign currency, what are the advantages and disadvantages of compulsory medical insurance, in which banks is it better to open such an account, what to look for when investing in a metal account, how much you can earn on compulsory medical insurance, where you can find out metal prices and forecasts from analysts.
Briefly about long-term ruble and foreign currency deposits
Demand deposits provided by banks have an interest rate lower than the inflation rate in our country (in 2012, the inflation rate in Russia was 6.6%). And only time deposits with an average term of 6 months can save your capital from inflation and even increase it. The annual interest rate of such deposits ranges from 4.75% to 8% for a period of 6 months and from 5.35% to 11.5% for investments for a period of 1 to 3 years. The interest rate depends on the deposit term, currency, deposit amount, as well as on the accrual and withdrawal of interest on the deposit. To this we can add that if you urgently need the invested funds, then upon termination of the contract, the interest on the deposit may be reduced, again it all depends on the terms of the contract.
You can get brief information about time deposits of Sberbank, VTB 24, Promsvyazbank and Bank of Moscow (at the moment, information on deposits is outdated, however, the conditions and interest rates have remained virtually unchanged, you can see more accurate information on the official websites of banks, where for depositors also have online calculators).
The second option for investing in a bank is a foreign currency deposit. Interest rates on foreign currency deposits are much lower than on ruble deposits. Even if we take into account the stable growth of the currency exchange rate against the ruble (I wrote about this in an article about), in terms of profitability, a foreign currency deposit is comparable to a ruble deposit. To get a good profit from a foreign currency deposit, you need to make the right forecast.
The third option for investing funds, which will be discussed in this article, is opening an impersonal metal account (abbreviated as OMS).
Opening an impersonal metal account (OMS)
According to the regulation of the Central Bank of the Russian Federation dated November 1, 1996 N 50, an impersonal metal account (OMA) is an account opened in a bank to record the movement of metal in an impersonal form, which reflects the metal in grams without indicating individual characteristics (number of ingots, sample, manufacturer , serial number, etc.) and carrying out operations to attract and place them.
Services for operations with compulsory medical insurance are provided not by all banks, but by the largest ones. Can act as a precious metal gold, silver, platinum And palladium although some banks only trade in gold and silver. You have probably already noticed that palladium, unlike other precious metals, is not used in jewelry; its main area is mechanical engineering. Drops and jumps in palladium quotes (price) charts occur in less time, so on the one hand it is difficult to predict, on the other hand, if predicted correctly, the result will not be long in coming. Gold is the most stable metal.
It should be noted that a contribution to compulsory medical insurance is also associated with a certain risk. The selling price of the metal by the bank is always higher than the purchase price and you will begin to receive profit only when the purchase price is greater than the sale price at the time you made the deposit. You should invest in precious metal if you are confident in the stability of your financial situation and know that within 2-3 years you will not have the need to cash out your account. Thus, you will practically eliminate the chance of losing on the difference between the prices of buying and selling metal by the bank, but the likelihood of getting a profit will increase to the maximum.
In which banks should I open accounts?
Funds for compulsory health insurance do not fall under the law on insurance of deposits from individuals, so in the event of a bank bankruptcy, you will have to wait longer than everyone else for a refund, at least partially, or you may not. Therefore, you need to open accounts in reliable and large banks.
Before opening or replenishing an account, pay attention to the difference between the purchase and sale prices of metal by the bank; it should not be too large (compare with the difference in other banks) and, of course, compare the sales prices of one gram of metal. Also find out at the bank how often their quotes change, it is also possible that during the day the price for buying metal by the bank will be high, and in the evening when you come to the bank to sell the metal and take your money back, the price will fall and you will get less from each gram profit.
How much can you earn on compulsory medical insurance?
To more clearly show your income when investing in compulsory medical insurance, I will use the profitability calculator for impersonal metal accounts from the VTB 24 bank website. You can use the calculator yourself on the vtb24.ru website page.
The figure clearly shows how you can increase your capital by 16.49% by using a small jump (circled in blue in the time interval) in the value of a precious metal (in this case, silver). Please note that this is not an annual percentage; from the moment of purchasing the metal from the bank to the moment of sale, a little more than a month passed (from 08/07/2012 to 09/20/2012), and the income of 200 thousand amounted to almost 33 thousand rubles. Earlier in 2011, there was an even stronger jump in the price of silver (I circled it in red), at which from 200 thousand in 2 months your income would have been about 70 thousand rubles.
Where can I see analytical forecasts for precious metals?
Many banks that provide services for working with compulsory medical insurance post on their websites forecasts of their own analysts on the precious metals market, and also provide the opportunity to subscribe to newsletters and analytical forecasts by e-mail.
My articles on the rate of precious metals contain analytics of foreign companies such as HSBC, Citi, Shanghai Gold Exchange, etc. (I post all articles on the metals and currency markets in the “ “ section). Articles on Precious metals market analytics for 2014:
In conclusion, I will summarize the advantages of investing in compulsory health insurance over long-term deposits:
ADVANTAGES OF OMS:
- Unlike investing in foreign currency, compulsory medical insurance is easier to predict and will always bring income in the long term;
- If you urgently need funds, cashing out compulsory medical insurance at a bank will not be difficult;
- With correct forecasting, you will receive a higher percentage of the invested funds in a shorter period;
- Long-term deposits are usually limited to a minimum investment of 300 thousand rubles. To open compulsory medical insurance, for example, for gold you will only need to buy one gram of gold from the bank (at VTB Bank it is even less - 0.1 grams).
If we talk about the advantages of compulsory medical insurance over investing in foreign currency, then the dynamics of prices for precious metals, as a rule, are easier to predict, and in the long term, investing in compulsory medical insurance will always be profitable.
If we talk about the advantages of compulsory medical insurance over the purchase of precious metal bars, they will be as follows:
- When buying and selling precious metals in impersonal form, there is no value added tax (VAT);
- The cost of the precious metal will not include the costs spent on the production of the bars themselves, their transportation and storage;
- General accounting of all metal is carried out by the bank, the risks associated with its loss are assumed by the bank;
- It is much easier to cash out an impersonal metal account than to sell bars, because when selling them you will need to check their weight, integrity and authenticity.
The DISADVANTAGES of compulsory medical insurance include the following:
- There is no interest accrual on compulsory medical insurance;
- Funds for compulsory medical insurance do not fall under the law on insurance of deposits of individuals.
I hope my article helped you, I wish you success and growth in your passive income.
Today, banks have many offers to attract deposits: foreign currency or ruble, in precious metals or investment. Every investor counts. To invest your money correctly, you need to study information about each product.
Compulsory medical insurance or impersonal metal accounts. This name appeared because nothing other than grams is indicated. It is impossible to find out the batch series, trial number, country of manufacturer and other parameters. The grams and type of precious metals are known. Investments in unallocated metal accounts are carried out at the rates of gold, silver, platinum and palladium. Such accounts are opened in banks.
Compulsory medical insurance in Sberbank
Sberbank can open impersonal accounts to any depositor. It is also possible to register for a minor.
Interesting:
By purchasing gold for 3,000 per month over 12 years, you can accumulate 2 million rubles. The tariff can be used by a parent or guardian, and from the age of 14 by the child himself.
Quotes are the most important criterion for selecting a bank. Every investor wants to benefit, so it is worth studying the precious metals market. There is no point in looking at quotes from the central bank. Information may differ significantly from the figures in the selected bank. See the dynamics and quotes where you are going to invest.
You can view the charts on the bank's official website. They show metal price curves. From them you can see how much the cost has increased. There is a calculator on the website where you can calculate the return on investment. Quotes usually rise, so it is profitable to attract and place compulsory medical insurance. Compulsory medical insurance quotes in Sberbank today can be found at the nearest branch, via the hotline or on the website.
Advantages of compulsory medical insurance in Sberbank
- Deposits in compulsory health insurance bring income to their owner due to rising prices for precious metals;
- Preservation of grams of metal;
- Reliability of compulsory medical insurance during financial crises and inflation;
- Many account transactions are free;
- Great demand for the product, which allows it to be sold in a short time;
- In 2003, a law was passed on the absence of state protection for such deposits. Sberbank is a reliable bank, which means you can trust it.
The minus is the tax on the withdrawal of metal, it is 18% of the amount. But the benefits of the account outweigh the disadvantages. Analysts report that gold will continue to rise until extreme economic downturns, unlike silver. Silver will remain at a certain level, and perhaps even head down.
Compulsory medical insurance or contribution
Deposits in cash equivalent are beneficial during turbulent periods. Due to their reliable insurance by the state. And it is better to open impersonal accounts with Sberbank in quiet times, so the bank will be able to provide a guarantee of payment. A clear example was recently: the dollar jumped sharply in a turbulent economy, and the growth of metals became insignificant.
Remote management of metal accounts is in development, and deposits can be managed anywhere in the world.
Interest and quote benefits must be considered for each individually. One thing is important: if you need a long-term relationship, it is better to choose metal. It's more profitable.
How to open compulsory medical insurance in Sberbank
First you need to decide on the investment metal. Study its growth trends. Next you need to open an account. This can be done in the office (not every office works with metals, you can check with the hotline) or by online application via the Internet (you cannot invest metal via the Internet, only money).
When visiting the office you will need:
- Passport;
- Metal or cash;
- Documents for metal.
When applying online, you need a personal account on the Sberbank website.
Personal experience
When I had a desire to make a profit, I began to study the offers of banks. Having learned that such deposits are not protected, the choice immediately fell on Sberbank. Next we had to choose the metal. Reading about them, I realized that gold, unlike others, does not reduce its value. Its price increases or stands still and very rarely decreases. But this decline is insignificant. That's why now I use compulsory medical insurance. So far I can make money.
When concluding an agreement with a bank for the storage of metals, study all the nuances. Consider the benefits specifically for you. Go for a consultation at Sberbank. Keep an eye on the alloy market. And open an account with confidence. Big, you've arrived!
Yield calculator for compulsory medical insurance Sberbank of Russia (Calculator yield CHI Sberbank of Russia)
The issue of safety and increase of funds is always of interest to bank clients. Today, financial institutions offer their clients several savings and savings options:
Deposits in rubles and foreign currency;
Unallocated metal accounts (UMA) in gold, silver, platinum and palladium equivalent.
You need to calculate which type of savings you prefer. By choosing the Sberbank compulsory medical insurance yield calculator online (Calculator yield CHI Sberbank of Russia), you can easily calculate your income for different periods of time, and for each type of metal it can differ significantly. To do this, you only need to specify the amount of the expected deposit and the period for which it will be opened. All other calculations will be performed automatically, and for clarity, the client will be offered a graph of the expected profitability.
Types of impersonal metal accounts
Before you open compulsory medical insurance at a bank, you need to know that they come in different types:
Current - having the lowest interest rate and generating income for their owners due to changes in the value of the metal. Despite the low interest rate, the advantage of such a deposit is that it is unlimited, and funds can be replenished and withdrawn from it at any time convenient for the client.
Deposit or fixed-term – generating income not only due to changes in the value of the metal itself, but also due to interest accrued monthly. The disadvantage of such a deposit is that funds can only be withdrawn upon expiration of the contract. If you do this ahead of schedule, the interest accrued by the bank will be recalculated at the minimum rate.
Most investors do not chase bank interest and prefer to make money on fluctuations in the value of the metal, while always having the opportunity to withdraw their investments if financial stability changes without additional time and nerves. If you calculate the profitability, then it is best to place deposits on compulsory medical insurance for a long period, since investors receive real income not thanks to interest, but only due to fluctuations in the value of precious metals. According to statistics, the best profitability of metal accounts is obtained within 3-5 years, after investing funds into the account. Over such a long period of time, several fairly serious ups and downs in quotes can occur, so potential investors should be patient, which will not pay off as quickly as we would like.
- Procedure for issuing a Sberbank plastic card What is needed to obtain a Sberbank card
- Sberbank VISA cards: overview of conditions and advantages Applying for a card at Sberbank
- How to return funds to the account if it is established that an unauthorized debit of funds from a bank card?
- How and where can you exchange damaged banknotes?