Due to the unstable economic situation in the country and the world, domestic depositors of Sberbank are increasingly interested in the most profitable ways to save capital. Precious metals are becoming a worthy and stable option for many Russians. In order to fully work with precious metals quotes in Sberbank, the rates for the current day must be constantly monitored.
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Investing in precious metals
The bank can offer its depositors various options for saving capital. , "metal" accounts have gained immense popularity . Anyone can open them. They are based on the value of precious metals, but are not outright bullion purchases.
This metal account is completely anonymous. With the actual purchase of precious metals in Sberbank, each bar has its own number and is accompanied by a document with accurate information about it.
Working with a "metal" deposit allows you to play on the precious metals exchange. As prices rise, profits increase. Sberbank, using OMS , allows you to monitor the situation on the stock exchange in real time and instantly learn about metal prices.
Work with OMC quotes - course: gold, silver, palladium, platinum
Provides online access to the "metal" account. Working with quotes of precious metals in Sberbank - today's rates and up-to-date information are posted on the official website of Sberbank in a special section intended for private investors.
Courses are constantly changing. The page displays the exact exchange rate of metals for today.
You can view a graph of exchange rate changes for a given period (for example, gold)
Investing in precious metals has a number of advantages over other investment options:
- procedures for the acquisition or sale of metals occur almost instantly;
- high probability of making a profit;
- no additional taxes, such as VAT;
- quick opening of a "metal" account, work with it without commission;
- the possibility of opening CHI for another person.
How to open a "metal" (OMS) account with Sberbank
The opening of CHI provides an opportunity to receive real profit on your capital. Gold quotes , for example, have recently had a constant upward trend. This precious metal has always been and remains in price. It is enough to observe its value on the stock exchange to understand this. In addition to gold, you can work with other precious metals, such as silver, palladium or platinum.
To open a "metal" account, you can choose one of the options offered by Sberbank:
- visit the nearest branch of the bank in person, where a Sberbank employee will help you open an account. You will have to fill out a special application yourself and provide a passport or similar document;
- the Sberbank Online Personal Account and open an account on your own. The service must already be activated.
Before submitting an application for opening a CHI, you can choose the most suitable option for yourself among those offered:
- the amount of metal in the account does not change. Capital growth occurs due to an increase in the value of the precious metal on the stock exchange;
- accrual of interest on the deposit. In this case, a fixed amount of profit will be received, which depends on the metal quotes on the exchange. Working with an account is no different from a regular deposit.
To open CHI on your own in your Personal Account, you should select the appropriate item in the menu, and the system will prompt you to enter your passport data. Then you should choose a specific precious metal and the amount of the deposit. The finished completed application is sent to the queue for consideration. In case of a positive response, an invitation to the department will be sent to the postal address specified in the application. You must take your passport with you. In the branch, an agreement is signed for opening a "metal" account and the required amount is paid.
In addition to money, you can also deposit previously purchased precious metal ingots into your account.
In some cases, an additional commission is taken:
- 0.1% - for gold bars in poor condition;
- up to 0.5% - for silver bars, depending on the condition;
- 1-1.5% - for silver bars that do not meet the requirements;
- the percentage for receiving platinum and palladium is negotiated separately.
There is no charge for gold and silver bullion bars in excellent condition.
After opening the CHI, you can follow the change in the cost of metals directly online. This allows you to quickly respond to changing situations.
Opening a CHI account for another person
With the help of a "metal" account, adults can secure the future of their children. To open an account, in addition to a passport, you must take with you the birth certificate of the child. Children over the age of 14 may do this on their own with a notarized authorization document from a parent or guardian.
When drawing up an agreement for another person, you can reserve the right to dispose of funds. Children over the age of 14 may manage their own account if they receive legal consent from their guardians or parents to do so.
Investing in precious metals is gaining popularity. If you deposit 3,000 rubles each month into an account, then in 12 years the capital will grow to 2 million rubles. Such an amount will not become superfluous after the child comes of age and will help at the initial stage of adult life. At the same time, working with quotes of precious metals in Sberbank (the rates are currently available on the official page) allows you to respond in time to a change in the situation.