If there is a surplus of money, then it should be invested to maintain its value. Especially, the losses will be felt in the long run. But investments require skills, experience, or otherwise a positive result will not be achieved. The only exception can be considered the purchase of precious metals - investing in 999 gold bars in Sberbank is available to everyone.
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How the price of 999 bars is set
The price of gold in Russia is determined by the Bank of Russia. The cost is formed based on the results of trading in this precious metal on the world's largest specialized exchanges (London, New York). The price of gold depends only on the demand for it from investors. Demand is affected by:
- Political, economic events of the world, regional levels. That is, when any instability is brewing, the demand for gold grows. When the world economy is stable, and political factors fade into the background, then investors switch to other instruments, and metal quotes are declining.
- The amount of precious metal mined. Manufacturers, in order to stimulate the growth of prices, can reduce the amount of sold metal, sometimes the decrease in indicators can be for objective reasons. In any case, the lack of gold will lead to its rise in price, the excess - to a reduction in price.
How much is gold in Sberbank today
The cost of gold in Sberbank today is on the bank's page .
The Bank of Russia, when determining the price within the country, may make adjustments taking into account domestic demand. Ordinary citizens will not be able to buy bullion at the cost set by the Central Bank - this price indicates how much the Russian regulator is ready to sell the precious metal to banks. Banks add 10-15% of their margin to this value, and only then it becomes available to citizens, but do not forget about VAT (13-16%), which will have to be paid additionally at the time of purchase.
How to buy 999 gold bars at Sberbank
Ingots are not sold in all branches of Sberbank, the nearest one can be found in the list on the bank's page .
The purchase procedure itself is simple, but follows:
- Check the ingot for mechanical or other damage. The precious metal must be sealed in a plastic case (you can not open it), without stains, scratches.
- Matching details on the ingot and in the attached certificate. Also, the document should contain the weight of the ingot, the sample.
The representative of Sberbank is obliged to weigh the sold ingot, and so that the buyer sees the exact weight. The check must be issued without fail.
Why you should invest in gold
The price of any commodity, including gold, changes. This leads to the fact that the welfare of the owner of any property, goods changes for the worse or better. This also applies to gold, that is, its purchase may or may not be profitable. But the peculiarity of the precious metal is that it does not have rapid growth and fall, therefore it is reliable in times of crisis or political uncertainty.
Therefore, 999 gold bars in Sberbank are guaranteed to bring profit in the end and will never lose their liquidity and attractiveness. How easily this can happen with the shares of even the most famous companies. The value of gold will never collapse like currency quotes. And if the price of a precious metal goes down, then this indicates only one thing - there is a correction in the market, which after a while will be replaced by growth again. This precious metal is not subject to inflation, in addition, it effectively protects against it. For example, depositors of all Russian banks in 2015 lost 3-5% from galloping inflation, as the income on deposits was less than what the crisis was eating up. This did not affect the owners of gold bars at all, for the indicated year they earned about 10% of the value of the precious metal. While the owners of ruble deposits were losing money from devaluation in bankrupt banks. Interestingly, the worse the situation in the world, Russia, the more income this investment tool brings - it is not for nothing that it is considered a haven for investors.
In Russia, Sberbank sells the most gold bars, however, in many banks the precious metal is cheaper. But it is most preferable to buy 999 gold bars in Sberbank. The reason: gold is bought for the purpose of its profitable sale in the future, that is, in a few years, or even decades. At the same time, the sale price will depend on the quality, one of the components of which is the presence or absence of third-party logos on the bars. That is, gold bought in one bank may not be highly valued in another. This is clearly indicated by a document called "Rules for the purchase of precious metals in Sberbank." Therefore, you should buy and sell ingots in one bank, and who will guarantee that some bank will not go bankrupt during the investment? With regard to Sberbank, no one can give such guarantees either, but this is the largest domestic bank, it is state-owned and backbone, they are not allowed to go bankrupt. Therefore, after 2 years or 30 years, an investor will be able to sell his bars more profitably if he buys them at Sberbank.