1. Where can I open an impersonal metal account?

An impersonal metal account can be opened in the branches of the Bank and authorized to work with impersonal metal. The list of Bank branches can be found on the website or directly at Bank branches. Currently, impersonal metal accounts are opened by over 8,500 branches of the Bank, over 500 of which work with physical metal.

2. In what metals is it possible to open impersonal metal accounts?

Opening of impersonal metal accounts is possible in 4 types of metal: gold, silver, platinum and palladium.

The Bank establishes purchase and sale quotes for precious metals in an impersonal form, taking into account the current discount prices for precious metals established by the Bank of Russia, the situation in the domestic market for precious metals, as well as the trend of fluctuations in current prices in the world market for precious metals.

5. In what units is an impersonal metal account maintained?

An impersonal metal account is maintained in grams of precious metals.

6. Is it installed minimum value to carry out transactions with impersonal metal accounts?

Incoming and outgoing transactions with gold, platinum and palladium are carried out in grams with an accuracy of up to 0.1 grams, with silver - up to 1 gram.

7. Is it possible to make incoming and outgoing transactions on unallocated metal accounts in other branches of the Bank?

The ability to make incoming and outgoing transactions in branches of the Bank, other than at the place where the account was opened, depends on the technical capabilities of a particular branch of the Bank. This information must be clarified at the time of account opening.

8. What is the maximum and minimum amount that can remain in an unallocated metal account?

The minimum amount on the account is “0”, the maximum is not limited.

9. Is it possible to perform metal transfer operations between impersonal metal accounts?

The operation of transferring impersonal metal is not provided.

10. Are there age restrictions for opening impersonal metal accounts?

An impersonal metal account can be opened by:

• adults, i.e. those who have reached 18 years of age - on the basis of an identity document;
• legal representative of the child (parent, adoptive parent, guardian) in the name of a minor under 14 years of age - on the basis of:
  • parent - upon presentation of the child’s birth certificate (if the child is not included in the passport);
  • guardian - upon presentation of a document from the guardianship and trusteeship body on appointment as a guardian or a guardian's certificate issued by the guardianship and trusteeship body;
• a capable minor aged 14 to 18 years opens independently, but with the written consent of a legal representative.”

11. Who can make transactions on the accounts of minors?

• According to the compulsory medical insurance of a minor, before he turns 14 years old, the operation is performed by a legal representative. To carry out expenditure transactions, the legal representative must also submit written prior permission from the guardianship and trusteeship authority.

Conducting compulsory medical insurance transactions for a minor under 14 years of age by other persons is possible on the basis of a notarized power of attorney issued by the legal representative of the minor, and, when making expense transactions, the written preliminary permission of the guardianship and trusteeship authority.

• According to the compulsory medical insurance of a minor aged 14 to 18 years, the operation is performed by the minor himself, but with the written consent of the legal representative, drawn up upon his personal application to structural subdivision bank in the form of an application on a separate sheet of paper with a signature and date, or on the basis of a notarized consent of the legal representative.

Conducting compulsory medical insurance transactions for a minor aged 14 to 18 years by other persons is possible on the basis of a power of attorney issued to the minor with the written consent of the legal representative, executed by a notary.

12. Is it possible to issue a power of attorney to manage a depersonalized metal account?

A power of attorney for the ability to dispose of an impersonal metal account must be notarized.

13. Are unallocated metal accounts insured by the Deposit Insurance Agency?

Before investing in impersonal metal accounts, many people ask themselves the question: if they invest in metal accounts now, will it be profitable in the future? Is it worth spending your time and money on this - let's figure it out.

We can say that now this is one of the most popular ways of investing in gold. Having studied the legislation, it immediately becomes clear that such investment has its own specific features:

1. Only a bank can open a metal account.
2. Functionality – on these accounts, investors can carry out various operations with precious metals.
3. No interest accrual (although Lately some banking organizations still charge interest on such deposits) - income directly depends on the increase in the value of the metal.
4. Choice – sometimes you can open a metal account either only in silver or only in gold.
5. The requirement for the depositor is only a citizen of the Russian Federation.

What types of metal bills are there?

It is customary to distinguish only two types: impersonal and responsible. The essence of responsible accounts is that the depositor transfers real bullion from precious metal, where each of them is assigned a specialized number. Usually, the client buys such bars from the same bank (read how to buy bars here).

Anonymized accounts (or compulsory medical insurance) represent alternative way deposit, only here, instead of currency, precious metals are used, but not in bullion, but in an impersonal form. The peculiarity of such an account is that the client becomes the owner of the metal at the bank’s exchange rate.

There are several types of compulsory medical insurance: urgent and current accounts. The first type is the opening of an account, where the bank and the client agree on the interest rate and storage period, and if the depositor terminates the concluded agreement ahead of time, he will lose all his interest. On current accounts, precious metals are simply stored and no interest is accrued there; income comes only from the increase in the value of the metal.

What do you need to open an account?

In order to open a metal account, an individual must have certain documents: a passport of a citizen of the Russian Federation, an INN (individual tax number). At the bank, the client fills out an application to open an account, signs specialized contract and draws up paperwork for the bank to receive precious metals from him.

To open an account, a legal entity must fill out an application at the bank, present a passport, bank card, copy state registration, a certificate from the State Property Inspectorate and the tax office. Now, let's find out what are the pros and cons of impersonal metal accounts.

• Preservation and increase of funds in the account;
• No fluctuations in the financial market;
• Liquidity;
• No tax (VAT);
• No minimum or maximum account threshold;
• Free;
• Savings on transportation, storage, and manufacturing when choosing ingots.

Cons of compulsory medical insurance

• Lack of insurance - this account is not subject to deposit insurance;
• The pricing policy of the bank, the depositor is completely dependent on the policy of the bank, which is in no way regulated by law.

What can you do with your account?

Operations with accounts include: free opening and closing, sale and purchase of metal at the bank rate, withdrawal of money (withdrawal in the form of bullion is subject to VAT of 18%).

Depositor's expenses

There are several types of expenses that may follow when opening an account:

1. Spread (bank difference between purchase and sale prices) Commercial organizations(banks) set prices for currency and precious metals themselves, and this is in no way regulated by law. Each bank has its own spread, in general it varies from 2 to 10%. The downside is that when opening an account, the value of the precious metal on it is reduced by the bank’s rate.
2. Commissions Many banks set commissions for various operations with accounts (for example, for opening or closing an account, transferring Money).
3. Taxes When a client closes a bank account and demands that bullion be issued to him, he must pay a tax of 18%. It is mandatory and is paid even if the investor has already opened an account in bullion and paid a similar tax, that is, VAT is paid twice in this case. Income is taxed at 13%.

Which precious metal should you choose?

When asking such questions: “how profitable are metal accounts” and “which precious metal to choose when opening” it is very difficult to find a definite answer. Banking organizations provide the investor with a choice in which precious metal he can invest. The most popular metals are gold and silver, the following types – palladium and platinum – are called “metals for professionals”.

If you open an account in silver, then the investor faces more risks, but there is an opportunity to receive unstable income due to short-term jumps in the value of the precious metal. Gold, on the contrary, carries with it a stable income with lower risks, but with it there is also a lower profitability.

In an era of crisis, the demand for platinum, as well as for gold, falls, and in an era of economic stability it grows. The price of platinum is constantly falling, so it is predicted that this metal will soon become simply unprofitable for production.

Palladium is very common in industry, so its price is rising rapidly. According to expert estimates, there is a lot of this precious metal on our planet, but it is very difficult to mine.

How prices for precious metals have changed over the past 5 years can be clearly seen in the graphs below:

Is a metal account in Sberbank profitable in 2017?

Metal accounts: is it profitable or not to open?

Deposits in a metal account with Sberbank are an excellent alternative to investing in dollar or ruble equivalents. The most popular are impersonal metal accounts of compulsory medical insurance, deposits in which are usually sold by bank clients in the equivalent of a certain amount of precious metal.

Investment product of a new format

There are two types of metal bills:

1. Responsible account, implying the transfer of real bullions of precious metals to the bank, where they are assigned individual numbers. The bank is responsible for their safety during the contractual period of cooperation with the client on investment rights.
2. Anonymized accounts, which are an alternative to standard responsible products in which impersonal equivalents of precious metals are used for deposits instead of currency.

Distinguish urgent And current Compulsory medical insurance:

1. Urgent products imply their activation as an agreement, which must contain sections on the period of cooperation and the amount of the interest rate. If the client terminates the contract early, interest income is not paid to him.
2. Current compulsory medical insurance imply storage of investment products without accrual interest rates The client makes a profit by changing the quotes of a financial instrument.

Features of investing

Investing in precious metals has its own characteristics:

• the product is available only to residents Russian Federation;
• the investment procedure is carried out in a banking institution;
• the subject of investment can be gold, silver, platinum or palladium;
• the opportunity to conduct diverse financial operations with precious metals;
• the dependence of the main income of investors not on interest charges, but on the increase in the cost of precious metals.

How to open

To open an impersonal metal account there is no need to provide financial institution precious metals ingots. The client buys and simultaneously invests virtual bullion at a price set by the bank.

Implementation of the event an individual occurs in several stages:

1. Providing specialists of the banking institution with documents confirming the identity of the applicant - a passport of a citizen of the Russian Federation and an individual tax number.
2. Filling out an application form to open an account.
3. Signing a cooperation agreement
4. Preparation of paperwork for the acceptance of precious metals from the client to the bank.

Carrying out the procedure for legal entity similarly, except for the documents required to be presented:

• passport and tax identification number of the head of the business entity;
• certificate of state registration;
• certificates from the State Property Inspectorate and the tax office.

Financial operations

Financial activities carried out with the account involve the following operations:

• opening and closing an account;
• purchases and sales of precious metals at the bank rate;
• money transfer;
• withdrawal of money in the form of banknotes or bullion.

Depositor's expenses

After activation investment program, the depositor may be exposed to costs associated with the nuances of the operation of the account and its features:

• the difference between the purchase and sale prices;
• commissions for conducting financial transactions with invested funds, which are equivalent to precious metals;
• taxes accrued when certain actions are performed with the account.

Financial institutions classified as commercial independently make decisions on the formation of a price range between the cost of purchase and sale of an investment item. These values ​​are not regulated by law. Each bank has its own spread value, the value of which corresponds to from 2 to 10 percent of the cost of the metal.

The need to pay taxes occurs when cash or bullion is withdrawn from the account.

• Closing an account and handing over bullion is subject to tax in the amount of 18% from total cost precious metal;
• Withdrawals are taxed at tax rate 13% .

Income tax is paid twice in a situation where the investor opened an account in bullion and wants to get it back when closing.

Which metal account is more profitable to open in Sberbank

When opening a metal account at a bank, many clients wonder which metal to choose for investment. When making a decision, financiers recommend taking into account:

• individual characteristics of precious metals;
• spread size;
• the degree of influence on the value of quotes from political and economic events of global and regional significance.

Banking organizations offer investment products:

Silver has low volatility, however, during some time periods there are short-term spikes. These factors determine the possibility of receiving unstable income and a high risk of not receiving it.

For this reason, when investing in silver, it is better to open accounts that provide profit through interest payments.

When carrying out analytical work on a financial chart of changes in gold quotes, you can see that they obey market laws of movement and are directly dependent on dollar futures. At the same time, the movements of the quotes of the two trading instruments multidirectional.

Investments in gold involve lower risks, but also a lower percentage of return. By being able to correctly predict the behavior of a financial instrument, you can make good money while waiting for quotes to rise.

The price of the precious metal is constantly growing because it is widespread in industry. In accordance with expert assessment, there are many deposits of it on the planet, however, it is very difficult to extract the metal, which leads to its high price.

In connection with the era of global and economic crisis Recently, there has been a decline in quotations of the financial instrument – ​​platinum, which causes a lack of demand for it. Financiers suggest that the precious metal will soon become unpopular due to low production profitability, which determines a directly proportional dependence on the state and characteristics of the world economy.

Advantages and disadvantages

Investing in compulsory medical insurance has many advantages over owning gold in the form of a tangible precious metal, related to the facts:

• lack of accounting for VAT when making financial transactions;
• high liquidity, making it possible to withdraw funds within one business day;
• the ability to distribute risks across several portfolios;
• no need to worry about the safety of property, as well as checking its authenticity, integrity and weight;
• cashing out does not require the sale of bullion; it is enough to fill out a corresponding application with the bank;
• Possibility of cashing out in bullion;
• the cost of the metal does not need to include the costs of its transportation, production and storage;
• the bank's liability for the risk of metal loss;
• when the account reaches a three-year period, the profit received from the sale of the product is not taxed;
• purchase of precious metals upon activation banking product not subject to VAT;
• investment opportunity from 1 gram of jewelry;
• free product activation;
• no commissions when conducting transactions with the account;
• the absence of a minimum balance that allows you to close an account without having an investment product on it;
• the possibility of preserving, and under favorable conditions, increasing property;
• minimal risk of losing money.

When comparing a traditional deposit with a metal deposit, the benefit is not obvious, since it is directly related to events that cause the price of a financial instrument to fall or rise.

The disadvantages of investing in gold include the following facts:

1. Dependence of the profit indicator on market changes in the price of precious metal.
2. No insurance investment deposit, since its type is not included in the list of mandatory products for the insurance program. This makes there a high probability of losing invested funds if the bank’s license is revoked.
3. Financial transactions, the elements of which are precious metals, are not subject to taxation by the bank, since the institution is not tax agent. Therefore, investors must independently make personal income tax deductions in the amount of 13% of the income received and submit tax return.
4. Double exchange rate risk, in which the deposit is considered profitable if, with an increase in the price per ounce, the quotes of the Russian ruble fall.
5. When an account is activated, the cost of the precious metal on it is automatically reduced by bank rate, which determines the size of the spread.

When compulsory medical insurance is beneficial

To understand whether a metal account with Sberbank is profitable, you should first conduct analytical work before opening it.

It is worth considering that you need to pay attention to those categories of metals whose prices tend to rise. This will provide the opportunity to receive additional profit.

When activating an investment product, the size of the spread should be taken into account. When its value approaches 10% of the value of the metal, the investment will be unprofitable due to the destruction of profit due to the large difference between the purchase and sale prices.

For inexperienced investors who have no idea about the laws of movement of precious metals quotes, it is better to invest in a ruble or dollar deposit. As an alternative, you can choose to buy shares of companies involved in the extraction of precious metals.

Different approaches to the idea of ​​investing

In order to understand whether it is profitable to open a metal account at Sberbank, you should objectively assess your awareness:

• about the precious metals market;
• about the main criteria that determine market movements;
• on the rules of risk diversification.

There are two types of investors in the precious metals market:

Conservatives usually open term accounts. They receive profits when the investment agreement expires. They risk losing all interest and incurring losses exceeding own funds, in case of a sharp drop in quotes.

Speculators open compulsory medical insurance for an unlimited period, during which they constantly make financial transactions regarding purchases and sales of precious metals. Each of their transactions is accompanied by profit. However, to work according to such a scheme, it is important to have special skills in predicting the behavior of financial instrument quotes.

It is difficult to answer the question about investing in metal accounts, whether it is profitable or not to implement such attempts to earn money - there is no definite answer to the question. However, it is worth remembering that there is money only where there are risks and knowledge.

Accounts in precious metals at Sberbank

Keeping money under a feather blanket is no longer as safe as it used to be. It is impossible to hide savings from inflation at home, even behind concrete walls. In light of recent events in the global economy, it has become clear that it is not safe for money to be in the bank. Especially if it's rubles. What do we know about precious metals? Sberbank has a mysterious metal account that anyone can open.

Hard score: breaking down

A metal account is an account that is opened with a bank to track price dynamics for a specific type of metal in order to profit from changing quotes. Why is he called impersonal? The metal on the account is displayed in grams, and this is where the connection with metals ends. Physical precious metals do not appear in any way in transactions and “personal” information about them (fineness, manufacturer, etc.) is not taken into account. There is no need to buy bullion; you just need to indicate the weight of the desired purchase.

You can open an account in gold, silver, platinum or palladium. Gold is stable and easy to predict. Lively dynamics and growth in value are obvious. So, for example, on March 25, 2013, 1 gram of gold, according to the Central Bank of the Russian Federation, cost 1,255.16 rubles, and on August 22, 2017, it was already 2,448.27 rubles. The price has doubled. You see? And on February 16, 2016, the price maximum was recorded - 3,021.92 rubles! It is not for nothing that for many centuries gold has been the equivalent of wealth. Profitability gets stronger over the years.

What are the advantages of a metal account? Let's look at it in detail:

• When metal is credited to an account in grams, it is not subject to VAT, unlike the purchase of physical bullion.
• If the account was opened more than 3 years ago, then the profit after its closure is not subject to income tax.
• The cost per gram calculation does not include the costs of logistics and manufacturing of the physical metal.
• Accounting for metal and responsibility for its safety lies entirely with the bank.
• Cashing out compulsory medical insurance is much easier than real metal, which will take time and money to check.
• Most banks open long-term deposits in amounts starting from 300,000 rubles, and compulsory medical insurance can be opened by purchasing even 1 gram of metal.

As you can see, opening an impersonal metal account (OMA) is profitable for at least 3 years. If you have the opportunity to store money for a long time, compulsory medical insurance is one of the most reliable and safest ways. Any currency is theoretically subject to depreciation, and you can lose not only profits, but also the initially invested funds. But metal is always valuable, and especially during crises.

Let's consider the growth rate of the cost of metals and currencies for the period from July 2012 to July 2017.

There is obvious growth on all fronts. The main jumps in price occurred in January-February 2015 and January 2016, the rest of the time the currency remained in a relative state of dormancy, and the metal pulled the pockets of its owners lower and lower from month to month.

Look at the values ​​shown in the table. The owners of palladium accounts woke up rich in an instant. They were not afraid to take a risk one day and invested money in a calm metal. One can only envy them. Over 5 years, the increase in the price of 1 gram of metal was 185%, while the dollar lagged behind by 100%. Silver and platinum modestly stay afloat and provide their owners with a small but stable increase. But who knows what awaits us ahead? Palladium also slept soundly for more than 10 years. And how did he finally burst onto the scene? The price increase for palladium is due to the shortage of electricity in South Africa, where it comes from. Metal production was forced to be reduced, but demand for it did not fall at this time. So the breakthrough happened. Keep track of the position of metals in the scenery of the global economy.

Metal score: wayfinding signs

Which metal should I choose? It's up to you to decide. This is the first decision you will have to make when you set foot on the compulsory health insurance path. You can open accounts in 4 types of metal at once if your eyes wander. After a while, you will be drawn into the metal kitchen and you will be able to close the “unnecessary” ones.

Metal accounts may differ from each other in terms of profitability:

• Without accrual of income in the form of interest. Then the income of the account holder depends only on changes in the value of the metal on the market (Sberbank uses exactly this system).
• With income accrued in the form of interest. If a time deposit in precious metals is issued. It is credited to the account in grams and also depends on the quotations of precious metals on the world market.

The main difference between investing in unallocated metal and purchasing physical bullion is the lack of insurance for such a deposit.

System bancassurance protects clients from losses in the event of:

• Cancellation of a bank license;
• Appointment of a moratorium by the Central Bank of the Russian Federation on the fulfillment of demands of bank creditors.

It’s up to you to decide how big the risks are, but we recommend using compulsory medical insurance only in large and reliable banks.

Like any other type of deposit, a metal account can be:

• Urgent (the period for returning savings is clearly specified in the contract).
• On demand (account can be closed at any time).

It is important to understand that if you have been using a metal account for less than 3 years, upon closing, you will have to fill out a declaration yourself and pay personal income tax (13%) on the income received. You can also use property deduction, and return income tax, but it is better, nevertheless, not to close the account without the need earlier than after 3 years.

Is compulsory medical insurance beneficial? We can safely answer you: “Yes!” This is great financial instrument not only for investors, but also for ordinary citizens.

How to open

If you are an adherent of conservative investment methods and have realized that compulsory medical insurance is for you, opening a deposit will not be difficult.

In Sberbank, in a branch with connected technical capabilities (there are 8,500 such branches throughout the country), a compulsory medical insurance can be opened with just 1 document for a person over 18 years of age. You can open an account yourself, through Sberbank Online. The procedure is simple and intuitive.

The minimum step for gold, platinum and palladium accounts is 0.1 g, and for silver accounts 1 g. Convenient if it is not possible to immediately deposit a tangible amount, otherwise it is impossible to postpone it.

When replenishing your metal account, we recommend paying attention to the following indicator: like a spread. This is the difference between the purchase price and the sale price per gram of metal. The higher this indicator, the lower the liquidity of the purchase and you need to postpone the purchase until better times. This is why compulsory medical insurance is compared to playing on the stock exchange. You can replenish your deposit thoughtlessly, without regard to quotes, or you can spend 2 minutes and check the value of the spread for today.

Sberbank sets the quote based on the value established by the Central Bank of the Russian Federation. And the Central Bank of the Russian Federation, in turn, already takes into account fixing on the London cash metal market. It is then converted into ruble equivalent at the dollar to ruble exchange rate.

If you are afraid of the situation on foreign exchange market, but want to open a deposit for your minor child- Compulsory medical insurance for you. Rest assured, the demand for precious metals will not fall until humanity becomes extinct. And given the inaccessibility of ore, its limited quantity and constantly growing demand, the price will rise.

The gold rate over the past 12 years has been a pronounced upward trend. Thus, according to real profitability indicators in the period from 2000 to 2012, by replenishing compulsory health insurance monthly by 3,000 rubles, it was possible to withdraw 2 million rubles from the account. (12 years at 3,000 rubles monthly = 432,000 rubles). Not a bad gift for a child when he comes of age, isn’t it?

In addition, from the age of 14, you can involve your child in making expenditure and income transactions on the compulsory medical insurance account. From 14 to 18 years of age, a child has the right to open an account independently and make transactions on it with your written and certified permission in hand or in your personal presence.

The situation in the country increasingly makes us think about how and in what we store our savings; in conditions of constant devaluation of the currency, savings need to be diversified and. Sberbank offers metal accounts as one of the stable types of savings with an acceptable exchange rate.

What is compulsory medical insurance

A metal account in Sberbank (or OMS - an impersonal metal account) is money in precious banking metals. The balance of such an account is reflected in grams, and the actual final cost is directly proportional to the current quotations on the banking metals market.

Sberbank offers its clients 4 types of metal accounts:

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

The first three are quite liquid and are in constant demand.

About the pros and cons

Like every banking product, compulsory health insurance has both advantages and disadvantages.

Advantages:

• and carrying out current transactions of purchase and sale of metals;
• when carrying out a metal purchase transaction in non-cash form VAT is not charged;
• it is possible to open an account for a third party;
• The bank does not charge a commission for opening and maintaining an impersonal account;
• the presence of an ingot of precious metal is optional; it can be purchased virtually.

Weak sides:

• such accounts in the event of bankruptcy of a banking institution are not subject to state-guaranteed compensation for accounts and deposits;
• the presence of a significant price difference when carrying out purchase and sale transactions (8-15%);
• Interest, according to the agreement, is accrued both when the dynamics are positive and when they are negative. In case of a negative balance, you will have to pay the difference to the bank;
• in case of converting virtual metal into bank bullion, the account holder will have to pay VAT in the amount of 18%;
• long-term investment. In order to get a positive balance and make money on exchange rate differences, you need to place funds in a metal account for a period of 3 years; the best option is to place funds before reaching a certain life milestone (retirement or adulthood).

Method of opening a metal account

How to open a metal account in Sberbank? Anyone who has reached the age of 18 has this opportunity: you can open a bank account either for yourself or for a third party, it can even be a minor.

In order to become the owner of compulsory medical insurance, you must:

Unallocated metal in grams is deposited into the client’s metal account. After this, the bank employee returns the second copy to the depositor banking agreement and prepares a savings book for receipt.

Be careful, as the accuracy of operations with gold, platinum and palladium is 0.1 grams, and for silver - 1 gram.

Opening an account for children

For a child under 14 years of age, an account can be opened by his legal representative. To do this, you must provide the following documents to the bank:

• parents - the child’s birth certificate;
• for guardians - a document from the guardianship and trusteeship authority on appointment as a guardian and a guardian's certificate.

A minor child 14-18 years old can open a metal account with the written consent of his parents or guardians. All income and expense transactions under compulsory medical insurance are also carried out with the written consent or personal presence of the latter.

Personal consent can be obtained in two ways:

• the legal representative of the minor must go to the bank and write a statement;
• in the presence of a notary.

An unallocated metal account (UMA) is an account for “storing” precious metals. In the vast majority of cases, we are talking about gold. Of course, nothing is physically stored on the account. An account is just a record that you own a certain amount of precious metal.

Is a metal account profitable?

Advantages of a metal account

If we compare owning compulsory medical insurance with owning physical gold, the benefits of a metal account are obvious:

• There is no VAT on transactions;
• There is no question of the safety of the precious metals. metal;
• The liquidity of a metal account is much higher than that of an ingot;
• Gold, being a traditional protection against international crises, allows you to distribute risks.

If we compare compulsory health insurance with a traditional deposit, the benefit here is not obvious and is directly proportional to how much the purchased precious metal will rise or fall in price.

Disadvantages of a metal account

• Profitability by metal account actually depends only on changes in the price of the metal itself.
• A metal account is not covered by the deposit insurance program, so if your bank’s license is revoked, a complete loss of money is possible. Therefore, it is better to choose a bank for compulsory medical insurance.
• The bank is not a tax agent for transactions with metal accounts, so you will have to independently calculate personal income tax (13%) and submit a tax return upon receipt of income.
• Double exchange rate risk. When the price of gold rises, the ruble should not fall - only then the investment can be called profitable.

conclusions

• If the choice is between purchasing precious metal in bullion/jewelry and between opening an impersonal metal account, then you need to choose to open a compulsory medical insurance. This can be done in almost any bank (Sberbank, VTB 24, Alfa Bank, etc.). You just need to pay attention to the difference between the sale/purchase rates - it should not be too large so as not to “eat up” your profit.
• In the case of a choice between compulsory medical insurance and a deposit, for an inexperienced investor, it is better to choose a deposit.
• Shares of precious metals mining companies can replace both gold and compulsory medical insurance. metals (Polyus Gold, Polymetal).

A metal account will be beneficial for those who are familiar with the precious metals market and understand the motives behind its movements, as well as for those who, having many assets (currency, real estate, shares, ruble deposits), want to diversify their risks.

Sberbank provides the opportunity to buy and sell precious metals online. To do this, just open a metal account in financial organization and purchase a minimum amount of gold, silver, platinum or palladium. The account can be used as a tool for short-term and long-term earnings.

Read below about what a metal account with the SB of the Russian Federation is, how it differs from a regular deposit, which metal is better to invest in, whether it is profitable to open a compulsory medical insurance and how to do it.

What is a metal account in Sberbank?

OMS (an impersonal metal account) in Sberbank is a special account that reflects the precious metals belonging to the owner without indicating individual characteristics: fineness, manufacturer, quantity and serial numbers ingots

An impersonal metal account allows you to buy and sell precious metals without receiving bullion in your hands. The essence of making money on compulsory medical insurance is the resale of assets. In addition, the account can be used as a savings account.

Compulsory medical insurance at Sberbank makes it possible to carry out transactions with the following metals:

Differences between compulsory medical insurance and a regular bank deposit

Compulsory medical insurance is not a bank deposit in the usual sense. Several important aspects should be highlighted:

1. A metal account does not guarantee earnings for the owner - the assets on it can either rise in price or fall in price. Prices for precious metals on the market are constantly changing, but historically their value has been growing.
2. Money is placed on the deposit in one or more currencies (rubles, dollars, euros, pounds), and the balance of the metal account is expressed in grams of precious metals.
3. Unlike a bank deposit, the profitability of compulsory medical insurance cannot be accurately calculated in advance. Nevertheless, you can store savings in a metal account for a long time (an account with Sberbank is unlimited), investing your savings in the purchase of gold, which rarely falls in price even during periods of economic crises.

Important: in general, compulsory medical insurance can be considered as long-term investment no guaranteed income. Bank deposits, in turn, in most cases are issued for 1-2 years, and the investor knows in advance how much money he will earn.

Which metal account is more profitable to open?

When opening a compulsory medical insurance, you must select a precious metal for placement. To understand which metal account will bring the greatest benefit, you need to take into account some features:

• Gold. Based on the analysis of changes in metal quotations in the long term, we can conclude that price fluctuations largely depend on dollar futures. Given the high stability of this currency, investing in gold involves minimal risks, but also implies low potential returns.
• Silver. The metal has low volatility (price variability). Jumps in quotes are usually short-term. Due to these factors, there is a high likelihood of income volatility when investing in silver. There is also a risk of not having it in the long term.
• Platinum. The metal is gradually losing popularity due to low production profitability. Experts suggest that this trend will not change in the coming years, so investing in platinum today is unprofitable.
• Palladium. Judging by the forecasts of financiers, palladium quotes will be stable in the short term. Jumps should not be expected, as jewelry and investment demand will remain approximately at the current level. You should invest in palladium only if there is no need to make quick profits. Otherwise, the investment will be unprofitable.

Thus, Today, gold is the most promising metal in terms of profitability.

How to open a metal account in Sberbank?

Clients of the SB of the Russian Federation can open a metal account through Internet banking. To do this you need:

1. Enter Personal Area"Sberbank Online".
2. Go to the “Metal Accounts” section.
3. Select the desired metal.
4. Follow the system prompts and fill out the form to open an account.
5. Check the correctness of the operation parameters and confirm the purchase of metal.

You can also open compulsory medical insurance at the office of a financial institution. To find out the address of the nearest branch where this operation is available, you should call.

Metal account in Sberbank - is it profitable?

It is beneficial to open a metal account with the SB of the Russian Federation for a long-term period. Gold and other precious metals become more expensive over time as their reserves are depleted.

Compulsory medical insurance at Sberbank has a number of advantages:

• no VAT on transactions;
• the minimum investment amount corresponds to the cost of 0.1 grams of metal;
• the opportunity to preserve and increase savings;
• an account that has been used for more than three years is not subject to income tax;
• high liquidity of assets.

It is also worth highlighting the disadvantages of placing funds in a metal account:

• profitability depends on market price changes;
• double risk - the investor receives a benefit if, simultaneously with an increase in the price per ounce of precious metal, the ruble exchange rate falls;
• when the account is activated, the cost of the precious metal placed on the compulsory medical insurance is reduced by the bank rate (spread size).

Experienced investors will be able to benefit from a metal account, and the SB of the Russian Federation provides acceptable conditions to its clients.

Let's sum it up

A metal account with the SB of the Russian Federation allows you to carry out transactions with precious metals. The purchase and sale of gold, silver, palladium and platinum is associated with risks - the investor can both earn and lose the invested funds. Therefore, it is not possible to determine the profitability of compulsory medical insurance in advance. However, in the long term, investing in gold is considered profitable. You can open a metal account through Internet banking and at a branch of a credit institution.

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