Unallocated metal accounts of Sberbank: gold rate for today, profitability

What it is

Metal accounts in Sberbank are a store of value in which not money, but metals are placed. You can purchase them at any bank branch. The client does not have to see the bars, evaluate their quality, move them, etc.

To open an account, you can buy any of 4 metals:

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

They can be stored for an unlimited period of time. You can monitor the dynamics of the exchange rate, then choose the most advantageous moment and sell them to Sberbank, making money on the difference that arises. For example, the exchange rate for today is as follows (in rubles).

Compulsory health insurance differs from traditional deposits in several ways:

1. Interest is not accrued on a metal account - you can earn money on it only on the difference in prices.
2. The deposit is impersonal, since 1 ingot (weight up to 1 kg) can contain “shares” of several clients at once.
3. There is no guarantee of earnings, since profitability depends solely on the dynamics of quote prices.

How to make money on compulsory medical insurance?

The easiest way to make money on compulsory medical insurance is quite obvious. It is implemented according to the following scheme:

• first, the purchase of one or more metals opens compulsory medical insurance;
• then the dynamics of price changes for any of the purchased precious metals is monitored;
• when quotes increase, the deposit in the metal is sold in whole or in part, resulting in a profit due to the difference with the purchase price.

Naturally, this is the most general description of the procedure for possible earnings on compulsory medical insurance. It is important to note that making a profit is not always the goal of opening an impersonal metal account. In some cases, a potential Sberbank client is guided by other important advantages when deciding to open a compulsory medical insurance, which are discussed in more detail below.

Advantages and disadvantages

Metal accounts have several advantages over classic ones:

1. Precious metals are one of the reliable means of saving. Quotes for them change regularly, but in the long term the price only increases.
2. You can close your account at any time. In this case, the client will be paid the entire difference that has arisen, in accordance with the Sberbank exchange rate for today.
3. This is an affordable store of value - the minimum amount you can invest is the amount required to purchase 0.1 g of gold, palladium or platinum or 1 g of silver at the current rate.
4. Precious metals are stored only in the bank and are not issued to the client or other persons. The bank is responsible for their safety.
5. There is no risk of encountering counterfeit metal, low quality ingots, etc.

However, along with the advantages, Sberbank compulsory medical insurance also has its disadvantages:

1. There is no guarantee of earnings.
2. Sometimes the depreciation of gold or other metals can be very strong (during a crisis) - it is extremely difficult to predict this moment.

Current compulsory medical insurance quotes by banks

With the help of compulsory medical insurance, clients will learn the exact dynamics of the development or depreciation of precious metals. The virtual investment does not include assay, weight or manufacturer. Opening an impersonal account is a profitable investment, which has been proven by the increase in the cost of precious metals not over the past few years, but over decades.

The key repulsive source of quotes is the Central Bank of Russia, and the rate of gold at the time of updating the article is (per 1 gram) - 4506.49 rubles, silver - 62.34 rubles, platinum - 2643.29 rubles, palladium - 5653.78 .

Go to the website of the Central Bank of the Russian Federation

Current Central Bank quotes for tomorrow cannot be formed today or several days in advance. The Central Bank generates reports every day based on preliminary calculations. Quotes are based on the price of precious metals on the London spot market. The level of demand and supply for metals abroad is also taken into account. This leads to slight deviations of domestic quotations in the Russian Federation from global indicators.

When choosing metal deposits as a means of investment, the client is required to analyze current quotes on a daily basis. They are offered on the official websites of banks in the form of tools for financial programs or as information blocks in user accounts.

Sberbank

Among the popular institutions for investing in precious metals is Sberbank. He himself forms quotes, studying the demand of funds, individuals and the current situation on the world market. Sometimes the cost of metals in the capital will differ from the price set in the regions. The spread is up to 10%, sometimes up to 15%.

Many domestic investors are gradually switching from securities to precious metals. A profitability calculator and current quotes are available on the official website:

Potential investors have the right to choose any period for displaying quotes to compare data and assess the quality of investments.

Quotes for today in Sberbank

Alfa Bank

The presented quotes are current as of January 26, 2021:

Sales and purchases of metals are carried out instantly when the client contacts the bank. Online, investors can track current quotes and make changes to the investment portfolio, increasing or decreasing volumes.

Anyone can open a compulsory medical insurance account at Alfa-Bank by first signing an agreement at any branch. Investments are not issued in bullion format.

Quotes for today in Alfa-Bank

VTB

It is clarified that from October 1, 2017, the bank does not open unallocated metal accounts. Open before this date, service is normal. Current quotes are available for investors:

Depending on the time of day, quotes may change. Current data can be obtained from the manager online or at the bank office.

When replenishing or withdrawing funds from compulsory health insurance, a calculation is carried out on the current date with payment in ruble equivalent. The mass of metal is not limited by standard conditions, as in the situation with ingots. But minimum amounts for the sale and purchase of metals have been established - silver (1 g), gold, platinum and palladium (0.1 g).

Quotes for today at VTB

Gazprombank

Starting from 06/01/2018, new impersonal accounts will not be opened at Gazprombank. All operating ones are serviced normally.

Quotes presented at the time the article was updated:

All rates of impersonal metal accounts are updated every day, but they may change during the day. There is functionality for obtaining data on quotes for any given time range.

Quotes for today in Gazprombank

Rosselkhozbank

A distinctive feature of the bank is the establishment of individual quotes, when the cost of gold differs from one client to another. They are formed subject to transactions where the volume of gold, palladium and platinum is more than 2,000 grams, and the volume of silver is more than 100 kg.

As of January 26, 2021, the current quotes are as follows:

The account is opened on the basis of an agreement signed in one of the bank's branches. Operations are carried out in accordance with the legislation of the Russian Federation.

Quotes for today in Rosselkhozbank

Promsvyazbank

The Bank sets the following minimum volumes of metals for transactions:

• gold, platinum, palladium – from 50 troy ounces;
• silver – from 1000 troy ounces.

When an investor is not a member of the Private Banking program, the volumes change:

• gold, platinum, palladium - from 100 troy ounces;
• silver - over 2000 troy ounces.

Transactions in precious metals are carried out strictly during business hours from 10:00 to 16:30.

The cost of metals is determined individually, so there are no current quotes. Only a premium (discount) is added to the Ask price, which is agreed upon between the buyer and seller (bank and client). The discount depends on the volume of the transaction.

Quotes for today in Promsvyazbank

Is it profitable to invest in metal accounts?

It is quite possible to use an impersonal account to store savings. However, most often it is possible to make money on it only in the long term - 3-5 years or more. To verify this, you can analyze the price chart of the precious metal using gold as an example (period 2000-2020)

For example, if someone purchased 100 g of gold on 01/01/2015, he managed to do it at a price of 221 thousand rubles. Then, if you wait for the right moment and sell it, for example, after just 13 months (02/01/2016), you could sell the same 100 g for 281 thousand rubles. Those. net profit will be 60 thousand rubles. or 27% of the initial investment.

But even if you do not consider such obvious situations, you can still come to the conclusion that purchasing gold is quite profitable. For example, the purchase of the same 100 g was made recently - 01/01/2017 for 227 thousand rubles. Since then, the dynamics have not been very active, but a growing trend is still obvious. Already on January 1, 2020, it was possible to sell part of the ingot for 285 thousand rubles. The increase over 2 years amounted to 58 thousand rubles. or 25.5% of the initial investment, i.e. approximately 13% per year.

Dynamics of changes in the gold rate until 2021

Bank clients who are interested in “gold investments” will need information regarding not only the price of the precious metal, but also dynamics over different time periods, as well as the opinions of experienced experts expressed regarding the rise or fall of quotes. In addition, at Sberbank anyone can purchase:

• palladium,
• platinum,
• silver.

Despite the excellent selection of precious metals, gold is considered to be the most liquid investment product. This statement is confirmed by the huge demand for the precious metal from both small and fairly large investors. Since 1971, when the gold backing of the US national currency was abolished and the “gold standard” was subsequently abolished in most countries, changes in gold prices have occurred cyclically - sharp growth was necessarily followed by protracted recessions. This process can be clearly seen in the graph below.

Over the past 10 years, the dynamics of prices for the precious metal have demonstrated impressive figures:

• $440.6 per ounce in 2005;
• $598.8 per ounce in 2006;
• $696.7 per ounce in 2007;
• $868.4 per ounce in 2008;
• $957.5 per ounce in 2009;
• $1224.7 per ounce in 2010;
• $1558.3 per ounce in 2011

The rapidly growing demand for “gold deposits” is explained by the distrust of investors in the dollar, euro and other currencies. It is associated with the global financial crisis, the possible collapse of the European Union and the instability that has recently been observed in the Middle East. At the same time, some leading experts are confident that prices for the precious metal are unjustifiably “inflated”, so sooner or later there will definitely be a decline.

Gold price dynamics: exchange rate for today

Today Sberbank of Russia offers to buy and sell gold on the following conditions:

1. Purchase 2639 rub. for 1 year
2. Sale 2942 rub. for 1 year

If you track the dynamics of the exchange rate of this precious metal over the past 20 years, you can see that its price almost always increases.

Based on these data, we can say that over the past 20 years, quotes have increased by 182%, i.e. on average 9.1% annually. At the same time, even the most profitable bank deposits in rubles are opened at rates of no more than 8.0-8.5%. Therefore, gold and other precious metals can really work as a reliable tool for saving and increasing your own money.

Gold rate in Sberbank for today - real-time chart

Every day, Sberbank on its official website introduces visitors to the price of the yellow metal. How is the gold rate formed? What can quotes depend on and why do leading media outlets use the prices of this particular financial institution in their daily reports? Let's try to figure it all out.

You can view the gold rate for today (in real time) on the page of the bank’s official website.

Gold became the main measure of the intangible and material value of things many years ago. Since ancient times, it has been used to pay for labor and buy food. And the possession of this precious metal allowed a person to gain confidence in his own material well-being. Gold could always be exchanged for money, using it to obtain the desired benefits or realize a cherished desire.

How to open compulsory health insurance and start earning money

Compulsory medical insurance can be opened at a bank branch or through the Sberbank Online system. You can log into your personal account either through a browser on your computer or through a mobile application.

The instructions are simple:

1. The user visits his page.
2. Goes to the “Deposits” section.
3. Selects compulsory medical insurance.
4. Indicates the desired metal (you can select several).
5. Determines the number of grams.
6. Transfers the required amount.

When is the best time to invest in compulsory health insurance?

The main condition for making money is determining the favorable moment to buy and sell precious metals. Often, investors do not have sufficient experience, so it is better for them to turn to experts and study analytical materials, including the dynamics of changes in quotes over recent months and years.

To determine the optimal moment to sell, it is worth deciding on a earning strategy. For example, with a conservative approach, it is enough to earn 8%-9% per annum, as on a profitable bank deposit. If you invest with higher risks, you should wait for a price surge, and then sell the metal at a price that exceeds your investment by 25-30%.

How to buy palladium bullion?

Silver rate in Sberbank today

If you want to invest in metal, you can do this by purchasing standard and measured ingots made from this metal. Bank clients are offered several options for measuring bars of this element to choose from. Weight ranges from 5 to 100 grams. The price of palladium in Sberbank today in rubles per gram also fluctuates depending on the weight.

During the acquisition process, you need to be prepared for the fact that you will have to pay not only for the bullion itself, but also VAT. If the owner decides to sell the asset, the amount of tax paid will not be refunded. In other words, the bullion can bring profit only when choosing a long-term investment and even more when opening compulsory medical insurance.

Do I need to pay taxes?

When purchasing precious metals at Sberbank or any other credit institution, the transaction is not subject to VAT. However, personal income tax will be withheld from the client:

• in the amount of 13% from a Russian citizen;
• in the amount of 10% from a foreigner.

If the account was opened more than 3 years ago, the citizen has the right to receive a deduction of up to 250 thousand rubles. For example, a client opened a deposit in February 2015, earned 300 thousand on it and decided to close it in March 2018. Since 3 years have expired, he has the right to use a deduction of 250 thousand. Therefore, personal income tax will be only 13% of the remaining 50 thousand, t .e. 6500 rub.

Financial section

Compulsory medical insurance rate in Sberbank of Russia for today: online price chart for 1 gram + dynamics for all time

Palladium is ingots similar to chocolate bars. They play the role of financial instruments. Investing in precious metals is a great way to preserve and grow your funds. The cost of this metal is not growing rapidly, but there are indicators of stability. Basically, such investments are considered as a long-term project.

Speculative transactions will give 10% profit. Know that when buying bullion, you must pay 18% tax to the state. Of course, you can keep this wealth at home, but if you store it in a bank, you will have to put up with additional expenses. You can benefit from a deal with palladium if its price rises.

To reduce the main costs, to do this, open an impersonal metal account with Sberbank.

In this case, you may lose your funds, since the guaranteed deposit program does not apply to this type of investment. Take your choice of bank seriously.

Expert opinion Evgeniy Belyaev Lawyer-consultant, financial expert

Ask

Important. Buying metal is a good way to save your fortune from unforeseen events

Also, a way to save your finances is to purchase coins minted from palladium.

Purchasing Valcambi tiles, made in Switzerland, will be a profitable investment. This bar weighs 50 grams, it looks like regular chocolate, or rather a chocolate bar. In addition, each gram is separated into even parts, which allows this metal to be sold in 1 gram quantities.

The cost of one gram is determined by the development of the industrial sector. Now we will find out the reason for this precedent.

Customer Reviews

It would take quite a long time to list the benefits of compulsory medical insurance.
Before opening, it is worth studying in detail not only the advantages, but also the possible risks. You should also pay attention to the reviews of real clients who have already stored or are storing their funds in a metal account. Anna, 35 years old, St. Petersburg:

“Investing in metals is quite possible - I have been able to earn money this way for the last 5 years. Average yield is 10% per annum and above. But there are nuances. The most important thing for beginners: distribute your risks. Those. store funds in both metals (and more than one) and currency. And try to study the market in advance, choosing a convenient moment to buy.”

Igor, 48 years old, Yaroslavl:

“Gold and other precious metals are not an instrument for those in a hurry. In the future, quotes are really rising, because in principle the price is rising for everything - just remember the notorious Big Mac index. Therefore, you can only enter this market with serious intentions and fairly large sums.”

Yuri, 28 years old, Ekaterinburg:

“I purchased 10 g of gold out of pure curiosity in September 2021 for 25 thousand. As of June 2021, the same piece of metal already costs almost 28 thousand. The increase is 12%. Of course, it’s too early to rejoice, but in principle this investment is made for the long term. Accordingly, you need to wait for an advantageous moment.”

Opening compulsory medical insurance for another person

You can open a metal deposit in the name of a minor. This can be done by a parent or guardian. You will need to present the certificate issued at his birth and the parent’s passport, which contains a note about the presence of children. The guardian must have a certificate of the appropriate type issued by the guardianship authority.

If a minor is over 14 years old, he can perform the operation on his own with parental permission. It must be certified by a notary.

Guardians, parents and other citizens are allowed to carry out deposit transactions, provided this is stipulated in the agreement and notarized. Upon reaching 14 years of age, he will be able to perform actions himself if the appropriate permission from his parents is transferred to the bank. Alternatively, a parent or guardian can visit the branch and inform staff in person of their consent.

Metal deposits are opened in an impersonal form

This way, parents can save a certain amount in their child's name. The trend in the price of gold in the long term has a pronounced increase; you can always check the history of precious metals quotes for Sberbank OMS. According to approximate estimates of experts, in 12 years you can accumulate about 2 million rubles with a monthly deposit of 3 thousand rubles into a metal account.

Sberbank gold rate today dynamics over the year

The London Stock Exchange has been determining prices for decades. She organizes auctions or fixings from time to time. At this point, modern financial and banking enterprises analyze the already established indicators, and then make a decision regarding the installation of a more optimal option. This year and in the very near future, the situation with quotes will be approximately the same.

The quotation is approximately 15-25% higher than the official price established in the previous period. Even if there is no such increase in the present time, and the quote remains at the same positions, it will still be quite attractive as an investment. There is a tendency for the price of bullion to increase.

How the price is formed, why it changes and is different in different banks

Buying and selling rates for palladium change continuously during daily trading. They are regulated by independent laws of market relations: price is proportional to demand and inversely proportional to supply.

Twice daily trading results, called fixings, are consolidated and published by the London Mercantile Exchange. The Central Bank of Russia calculates and sets the price in rubles, taking into account the current exchange rate of the ruble to the dollar. The next stage is the setting of rates by private financial institutions, taking into account the rates of the country's main financial institution.

Much depends on how important this segment is for a financial organization in terms of making a profit today, as well as how exactly the bank intends to generate income: through purchase and sale volumes or through a significant margin difference.

What affects the price of palladium

We have already found out that the exchange rate is affected by supply and demand. But they are influenced by the state of the world economy today. In times of crisis, traders' interest in gold increases, while the activity of the industrial sector, on the contrary, decreases. Accordingly, the demand for palladium is decreasing. This rule also works in reverse.

Economic stability leads to the development of industry, increased demand for platinum group metals and a decrease in the exchange rate of gold.

Large producers also influence the price of the precious metal, increasing or decreasing its annual sales volumes. Thus, they are able to regulate its rate by changing the size of supply on the market.

Investing in palladium

When a person manages to accumulate certain savings, the question arises of ensuring that they do not lose their value over time. There are various options that can be used to do this, investing in palladium is one of them.

Investing in metals is one of the ways to invest

Sberbank of Russia offers the following options:

1. We sell coins made of precious metals, including palladium.
2. You can buy bullion. They come in two types: standard and measured.
3. It is possible to open impersonal metal accounts. Sberbank suggests doing this for palladium, platinum, gold and silver.

While the buyer holds the metal, its value is determined by quotes. If, by selling, he receives more money than he spent, then this will be his profit amount. However, it may also be that the price will decrease. In this case, losses will be incurred when selling palladium.

If you buy metal and keep it with you, its value will change slowly and over a significant period of time you will not have to worry about inflation. If you buy palladium in bullion, you will need to pay additional VAT upon purchase.

When dealing with coins of this kind, you need to understand that their value includes not only the price of the metal, but also the artistic value. Therefore, it is very difficult to predict price fluctuations and making money by buying and selling them is very difficult and risky. However, VAT is not required to be paid for these transactions.

The greatest convenience when investing is provided by impersonal metal accounts. To work with them, you just need to open an account of this type. At the same time, it simply indicates the amount of palladium purchased. It can be sold or purchased at the current rate. It is allowed to receive this amount of palladium in ingots. However, you will need to pay VAT.

When purchasing metal you must pay tax

Purchasing bullion

If you want to invest in palladium, you can do so by purchasing measured or standard bars of the metal. Sberbank sells measured bars of this element weighing 5 g, 10 g, 20 g, 50 g and 100 g. Palladium will cost differently depending on the weight of the product. When purchasing a metal ingot, you should take into account some features of the formation of its value.

When purchasing an ingot from any precious metal, a bank client will have to pay not only the amount for the metal itself, but also VAT. The sale of bullion by a bank is recognized as an operation subject to this tax, and since the tax is indirect, it is actually paid by the buyer. When you sell the product back to the bank, no one will reimburse you for VAT. Therefore, if you want the bullion to provide you with profit in the future, you must initially understand that this investment is long-term.

In order to profitably sell palladium after some time, the price per gram of metal must cover the previously paid VAT, storage costs, and the purchase rate spread that Sberbank will set on the day of the transaction. So, on November 11, 2015, a precious metal ingot weighing 10 g could be bought for 17,523 rubles including VAT, that is, for 14,850 rubles without VAT. As of this date, it was possible to sell a similar ingot to a bank for 10,630 rubles - the cost of a 10 g palladium bar in excellent condition. If the condition of the bullion is only satisfactory, the bank will offer an even less amount for it.

The cost of a palladium ingot in Sberbank today depends on its mass. The rule here is: the larger the product, the lower the price of one gram of metal. Why does this happen? The demand of bank clients for lighter weight bars exceeds the demand for heavier products. Novice investors cannot afford to buy a large product at once, but almost anyone can buy a smaller weight bar. Banks act in a similar way when buying bullion from the public: they are more willing to buy small products, since they can quickly resell them to the next owners.

How much will the selling rate of palladium bullion at Sberbank vary today? Let's give an example with prices in effect on November 11, 2015. On this day, an ingot weighing 5 g cost 9,175 rubles including VAT, the price of one gram of metal was 1,835 rubles including VAT. A block of the same metal weighing 10 g on this date already cost 17,523 rubles including VAT, the price per gram was equal to 1,752.3 rubles. On November 11, 2015, a palladium ingot weighing 100 g could be bought for 160,480 rubles including VAT; the estimated price of one gram of metal in this case was 16,048 rubles.

Sberbank offers its clients not only measured, but also standard bars made from this platinum group element. Standard palladium bars have the lowest alloy weight limit: gold bars can weigh from 11 to 13.3 kg, silver bars from 28 to 32 kg, and palladium products are made weighing no more than 3.5 kg.

You can invest your savings in palladium in another form: you can purchase investment coins rather than bars. Sberbank today provides its clients with services of a similar nature. But coins made from this material are not common, so there may be problems with buying and selling them.

How to purchase at Sberbank

1. Before concluding a transaction for the purchase of the precious metal platinum, you must sign an acquaintance with the rules at a branch of a banking institution. The price of the metal is variable and depends on world exchanges. Platinum is the most expensive of the 4 metals offered.
2. Passport details are provided. Legal entities must provide documentation from the tax office.
3. In addition to the fee for the platinum itself, the client is charged VAT.
4. The storage method is chosen - in a safe deposit box or at home.
5. In order not to pay additional VAT, compulsory medical insurance is opened.
6. The sale of bullion is carried out through the bank, as it checks the condition of the metal and carries out transactions.

In total, bullion has two states in Sberbank:

• Excellent
• Satisfactory

When selling bullion that has been preserved, it is necessary to verify its condition. If the certificate is in excellent condition per gram, but in poor condition, the price will be reduced, so it is assessed as “satisfactory condition.”