Many investors refuse to keep their savings in foreign currency, fearing the collapse of the economy and prefer deposits in gold.
Practical experience has repeatedly confirmed the reasonableness of investing in precious metals. In this article, we will consider - a metal deposit in Sberbank. In particular, gold, the main advantages of this direction and additional income.
Content
Impersonal metal account (OMS) in Sberbank
Among all banks operating in Russia, Sberbank is the largest and most promising. There are already quite a few clients who have opened metal deposits. The registration process is extremely simple - you should visit the nearest branch of the bank and get proper advice from a specialist.
A bank employee should talk about the features and benefits of a metal deposit in Sberbank, let's take gold as an example. Everything about this type of investment should be clarified:
- how much does the service cost;
- list of documents;
- the value of the precious metal;
- under what conditions is it possible to terminate the agreement.
Metal deposits in gold
In practice, gold pays for itself not earlier than in six months. Investing in gold is rational only when the following factors are taken into account:
- The deposit is bought at one cost, and sold at another, beneficial to the bank. This is the difference between the buy/sell rates.
- The interest rate is never higher than 3-4% per annum. While the ruble contribution can reach a 10% limit.
- Liquidity. In order to ensure the safety of depositors, Sberbank allows you to cash out funds promptly. That is, if the bank suddenly changes its planned directions, all its investments can be returned back. True, there will be a small loss in profit.
One way or another, a metal deposit in Sberbank (gold and other precious metals) has always been considered from the most beneficial side, since the cost of gold on the world market always remains stably high. While any currency changes its course.
If you wish, you can also issue a metal deposit online. To do this, you need to go to Sberbank Online and register.
How to open a metal account - detailed conditions
All the details on impersonal metal deposits, as well as a link to the section that allows you to open OMS online, are on the official page of the bank.
Pros and cons of a metal deposit
Many people, wanting to increase their wealth, choose a metal deposit at Sberbank. This deposit has some features:
- as such, there is no gold in the account. The purchase of gold is carried out virtually and the deposit is made to a virtual account;
- income from an unallocated account is not taxed. However, if you want to take it in the form of gold, you will have to pay a tax.
The disadvantages of a metal deposit are that:
- the interest rate is never high;
- unlike the usual cash deposits, a metal deposit does not provide for insurance with subsequent reimbursement;
- there are commissions for transactions with precious metals.
Reviews on metal deposits in gold
Gold in this case is positive. True, investments should be made in large bullion and preferably for a long time.
After reviewing the reviews, it becomes clear that:
- investments in precious metals are quite popular and trustworthy;
- in case of force majeure, the depositor does not lose anything;
- a metal deposit is beneficial for those who are in no hurry.
The trend suggests that the world price of gold is steadily growing. And this means that income will only increase.
Security of a metal deposit in Sberbank (video)
Before opening a metal deposit in Sberbank, you should know that the bank has the proper tools and equipment that allow you to determine the authenticity of the metal, its weight and value. Plus, Sberbank of Russia guarantees the safety and integrity of the metal.
Impersonal metal accounts (video)