Investing in gold. Investing money in gold. Investments in gold mining companies

High-value metals, in particular gold, are a profitable asset to store and increase profits. Most of the citizens of our homeland are familiar with only one way of investing - the purchase of bars of various weights with subsequent storage and sale.

But there are other methods of making money on the values \u200b\u200bof the bowels of the earth, and in each of the listed operations there are pitfalls that can nullify the profitability of the transaction. How not to get into a mess - we will consider further.

The most profitable types of investments in metals are the purchase of valuable coins and OMC.

Coins, in turn, are differentiated into two more types:

Gold of historical value

They consist of 50-70% aurum, which significantly increases their liquidity, and also, every year they become more ancient and more expensive. Avid coin collectors are ready to pay fortunes for the opportunity to own rare collectible items.

Investment banking

This is a type of money created specifically to simplify the banknotes storage system. As an example, you can take the coin of St. George the Victorious. Its face value is only 50 rubles, but the true value is much higher. The percentage of gold content in it is 65 units, which in weight equivalent is 7 grams. On stock exchanges, pawnshops and banks, the price of aurum varies in a wide range, but on average it is 1,300 rubles per gram. Therefore, one coin will cost the owner 9-10 tr.

This type of investment has many advantages. First of all, they are not subject to tax costs, which saves up to 20% of capital upon purchase, but the values \u200b\u200bwill have to be sold inclusive of VAT, which will be 13%. Financing in coins is long-term, since they are bought and sold strictly at the internal rate of the bank. In order not to lose on the reverse bidding - watch the condition of the coins. Gnawed by a cat, with blackening or other defects, they will plummet in price.

An impersonal metal account frees the depositor from the need to store both money and gold - everything is stored in a special cell under the round-the-clock protection of the state. Replenishment of such an investment is possible by depositing cash, transferring metal from another account or adding your own gold to the cell. The whole process resembles the usual manipulations with a cash deposit, only without withdrawing interest.

Is it worth it, is it profitable to invest in gold at Sberbank?

Sberbank carries out more than half of all banknote transactions in the country, which indicates its reliability and development. The institution offers the most favorable conditions for storing metals in comparison with small financial organizations. Over the past 16 years, gold has appreciated 244% against the ruble. On average, it brings from 6 to 14% of the depositor's annual income. The specific figure depends on the situation in the state and in the general market.

If the investment in gold has already been made and you keep it at home, then the bank is ready to accept from you minerals weighing from 1 g. up to 1 kg. After an expert assessment of the sample and condition, you will be told the amount of the transaction. The same weight can be invested in OMS. See details above.

Should money be kept in gold? Storage specifics

Unlike stock exchanges with their options, gold is a real and tangible form of investment and a win-win option to get rich.

It does not depend on fluctuations in exchange rates, it is difficult to destroy it in case of global disasters. This type of investment also falls under insurance (except for compulsory medical insurance), which makes it attractive.

Are there any problems to exchange gold for money later?

The liquidity of gold in any form has always been at its best and continues to keep its mark. You can pay the cash equivalent of an ingot or coin to you at a pawnshop, jewelry store, bank, or ordinary individuals who want to purchase metal.

How to use gold as money?

It is best to use gold as a way to store banknotes, and use money as money.

Global crises make you think about investing in something permanent and practically unchanging. A person wants to be confident in the safety of his funds at the moment and for the future. What options are there for making such an investment and how good they are, let's judge together.

Introduction

A person, having a lot of money, will always take care of their safety and value. Therefore, very often he invests money in any projects, developments, actions. With such investments, he still remains uncertain about the future. The project may fail, or something may simply go wrong, so we can safely say about the unreliability of such investments. And here a logical question arises: "What to do, what to invest in, so that at least not to remain in the red after years?" The answer is simple: investments in gold and other precious metals will help.

Precious metals: which one to invest in?

There are many different investment options to be found these days. But whether they will be reliable for years or even decades, nobody knows. One thing humanity knows for sure: precious metals and stones will always remain in value. For example, gold or silver. These metals have constant and unchanging physical properties - this is precisely where they differ from money. Metals cannot completely depreciate, and currencies can become simple paper in a matter of seconds.

And as we have already guessed, investments in gold and silver are the most popular and affordable in our time. History shows that these two metals have always been in value. Investing money in gold gives a lot of advantages:

• The money invested can always be returned.
• Gold cannot lose its value.
• Gold cannot deteriorate (for example, burn or get wet).

Thus, when choosing to invest in, you can be confident in the future and not be afraid of crises at all. Investing money in gold will not leave you in the red. However, it should be understood that such an investment is long-term. And if an investor wants to make money, he must play on the difference between the purchase price and the sale price of his gold.

Gold as the main currency of the past

The past shows that gold was quite popular. This is proved by all kinds of "gold rushes" in the Wild West. On this occasion, even works have been published. Nathan Lewis wrote the book Gold: Money of the Past and the Future. It talks about the instability of a currency like the dollar and the ever-strong and unwavering value of gold, and the impact of crises and decades on these two currencies.

It is impossible to disagree with the main idea of \u200b\u200bthe author, since it is now much more reliable in gold than in currency. After all, it is the yellow precious metal that has always been valued, appreciated and will be appreciated - only the equivalent of the assessment will change.

The past can also boast of gold and which for a fairly long period were in the use of most rich countries. However, over time, people realized that it was unwise to use such an expensive metal to evaluate cheap things, and began to replace gold with cheaper options.

Where can you buy gold?

Today, in almost every good bank you can buy gold or, more correctly, invest in gold. Sberbank of Russia, for example, can easily sell you this precious metal in several forms:

• Gold bars. They come in various weights: from the smallest to huge kilogram bars.
• Golden coins. Most often, such coins are also collectible. Therefore, collectors pay special attention to them. However, if you are rich, you can make a nice birthday present for your friend by buying him a gold coin as a gift.
• And the third type of investment in precious metal is buying gold jewelry... If you buy gold for your beloved wife, it will not only be a luxurious gift, but also a good investment in case of a collapse of the global economy.

Sberbank sells gold to almost everyone. Of course, the buyer must be of a certain age. In addition, to buy it, you still need desire and money. Thus, it becomes obvious that investing money in gold is available to everyone who has such an opportunity.

Trends in the popularity of gold and silver for a given year

This year, 2014, "gold investors" were able to make good money on the difference between buying and selling gold. This is primarily due to the fact that in the past years gold has cost a little cheaper, based on the price per gram. This year, there has been an increase in gold prices by about 7 percent from the value of 2013. Looking at this percentage, one can congratulate investors who have relatively large reserves of gold - they have become a little richer compared to the past.

It is worth noting that the fractions of a percentage of the value are constantly increasing, and so far there are no prerequisites for stopping this growth, and even more so for reducing this percentage. And here is a tip for those who have not yet started investing in gold: it is better to hold back money. This is due to the high cost of the metal at the moment. Having invested money now, you can simply lose a certain part of the funds due to the fall in the price of gold in the future.

Keeping gold investments

Many people have a question: "Where to store gold?" In essence, it is very correct and problematic. In modern world conditions, with an increase in the criminogenic component of society, most human habitats are unreliable for storing a large number of valuables. Therefore, investors are looking for more secure places and keep their gold there. One of them is a bank with special vaults.

For example, Sberbank stores gold in special rooms, which are protected by the latest technology. Neither thieves nor swindlers can get there, and only the owner will be able to look at his wealth. In addition to banks, in Europe there are special private vaults that keep any material assets safe and secret from everyone.

If you think that all these options are unreliable, you can organize your own storage by purchasing and installing a modern safe in your home, which is very difficult to break into, let alone take away. Investing in gold requires special storage conditions for it.

Buying gold bars as an investment

Gold bars are probably the most boring way to invest in gold. They cannot be looked at like coins, they cannot be worn like jewelry, but they can be stored in a very large volume, and this is the biggest plus of this type of investment. The weight of gold bars can be up to 1 kilogram.

Sberbank sells gold in bars of different sizes, starting from 2 grams. Thus, everyone can come and invest their money in metallic currency. Having bought this metal in this form, you can immediately open a gold account, on which your grams or kilograms will lie. When buying, it is very important to choose a reliable bank for this business. For example, some state or the most quoted in the country. Having done this, you can safely invest money in times of a fall in the gold rate.

Buying gold as an investment

It has long been known to everyone that gold coins are also an investment. Those who are bored of storing gold bars can buy it in coins. This, in our opinion, is more interesting, and there is always some kind of variety.

Buying gold coins is very easy. First you need to find a bank that sells them. This information must be known to any employee in the bank. Upon learning that such products are being sold, we approach a competent employee and express a desire to buy. If you are lucky, the bank will be able to offer several varieties of coins and set a price for them. And then you yourself will choose one or another option and buy it. Investing in gold through the purchase of coins is very developed in the countries of America, Europe, and recently began to develop in our country.

If you intend to sell gold coins in the future, it is best to donate them to private collections or pawnshops. It is possible that the price in these places for buying gold will be slightly higher than in the bank from which you bought. And this is worth thinking about. After all, the main purpose of investment is to accumulate money, not spend it.

Investment in gold: jewelry

Investing in gold, or rather gold jewelry, is the most difficult option for making a profit. However, this type of investment is the most enjoyable for you. Let us explain why now. Bars and coins are, of course, good, but products made from these precious metals show your material status. A person who has beautiful, weighty jewelry made of gold is always perceived as a rich man. In addition, it is much more pleasant to give your wife a gift in the form of a gold jewelry and thereby, possibly, provide your family with a future.

This option for investing money is the least profitable, since, in addition to weight, money is also taken for the work done - for the manufacture and sale of the product. On the other hand, it will become the most enjoyable for you. However, as always, it's up to you. As they say, how many people, so many opinions.

Conclusion

Having considered the concept of investing in investments and how to correctly profit from this, we can say that this type of investment is reliable and promising. Choosing gold, you will protect yourself by almost 95 percent from any global crises, because it will always remain in price. History proves this to us - yes, a centuries-old history in which this metal has always been of great value.

Investing is one of the most profitable sources of income, however, provided that the investment object is chosen by a person correctly. Where to invest money, and so to invest so that at the same time they can bring good profits, and while the risks are minimal?

All those who do not like risks should be advised to invest in a bank by depositing their funds into a deposit account. The question may arise: why exactly? And here everything is simple: a bank deposit is one of the safest options for investing funds, and if you also choose the program correctly, then the profitability will be quite good.

Everyone is well aware of the mechanism of action of the usual cash deposits. A person brings a certain amount of money to the bank, draws up a deposit there, concludes an agreement with a financial institution, and then receives interest for the fact that the bank uses his money in its activities.

But few people are aware that another type of deposit is available to people. This is a metal deposit. This deposit involves the purchase of precious metals in the bank, for example, platinum or gold. Clients do not usually get their hands on precious metals, but the contract states that they own a certain amount of such metal.

graph of an increase in the growth of funds in metal accounts of Russian banks

Some banking institutions provide the service of opening a current metal account. Unlike a deposit, the deposit or withdrawal of money from such an account can be carried out at any time convenient for the client, and this allows you to get a good income, playing on the growth in the value of precious metals.

Gold does not lose its value for many centuries, which no other currency in the world can boast of. Even after the last gold coins were withdrawn from circulation in 1976, gold continues to be used. Investing in gold is a common investment option that protects money from inflation and crises.

The uniqueness of the yellow metal lies in the fact that it can be stored indefinitely and, in a miniature volume, have a great value. Gold itself is the most useless metal, since it has no useful properties for humanity. It cannot be eaten, it is practically not used in industry, other metals are much stronger, the yellow color is inherent in other alloys, which successfully replace gold in jewelry. The high cost is determined by the rarity and high costs of its extraction. Thanks to this, gold has become the most suitable metal for the role of money.

In circulation, the precious metal is present in the form of sand, ingots, nuggets, in jewelry, etc. Transactions with most of the list are available only to legal entities that have special permits. Such a document is issued by the Assay Office of the Russian Federation. For a private investor, the following options for investing in gold are possible:

• Purchase of ingots;
• Purchase of coins;
• Buying gold jewelry;
• Opening an impersonal metal account ─ OMS.

Each type of investment has its own characteristics; see the video for details.

Investing in jewelry

One of the most popular ways to invest in gold is to buy jewelry. As a rule, people acquire them to emphasize their status. Any jewelry store will gladly sell gold jewelry. They can also be imported from abroad. According to customs rules, these things must be exclusively for personal purposes, therefore, you can enter jewelry in the amount of 65,000 rubles duty-free. For the import of jewelry for a large amount, a duty of 30% of the value of the goods is due.

Read also

Investments in a stable and reliable currency

Buying jewelry gold as an investment has a big drawback ─ a huge difference between the purchase price of the item and the sale. The cost of jewelry includes the cost of the master's work, which is a significant part. When sold, it is not taken into account, and the jewelry is accepted at the scrap price. Investing in gold jewelry in order to preserve capital makes sense only when the currency for which it is being purchased has fallen sharply.

The situation is somewhat different with exclusive or antique items. Their cost is not the metal itself, but the uniqueness and rarity. Rarities and artifacts are characterized by a rise in prices. But for the average citizen, antiques are practically inaccessible.

Buying gold bars

Buying gold bars is the most common way to invest in gold. At first glance, it may seem that this procedure is quite simple, but buying gold, in fact, is fraught with many difficulties. First, do not forget that it makes no sense to buy bars heavier than 50 or 100 grams. The reason for this is that heavy bars are less popular and therefore difficult to sell. It is also generally accepted that the heavier the ingot is, the lower the cost of one gram of precious metal will be.

Buying gold bars is a safe and long-term investment. Allows you to be completely independent of the bank's reliability. In Russian banks, when buying bullion, you must pay 18% VAT, and if it becomes necessary to sell them, the bank will not refund VAT. In addition, you need to decide on the storage location. There are several options:

1. Storage of bars in the same bank where they were purchased; issued to a metal account for safekeeping. This option will avoid paying VAT, but you must pay for storage. The fee can be 0.1% of the value of the precious metal. In addition, there are risks associated with being kept in a bank. For example, the bank restricts the issuance of gold from the vault.
2. Storage in safe deposit boxes of commercial organizations. But, as a rule, these companies do not bear full responsibility for the safety of the contents of the cells.
3. Home storage may not always be safe.

When buying gold, you should pay attention to the presence of a stamp on the ingots. These stamps identify the manufacturer of the bar and certify the fineness of the gold - see photo.

check carefully the stamps and all data before purchasing any gold bar

Where to Buy Gold Bars

You can buy gold bullion in large banks, but not in all. Banks offer ingots weighing from 1 gram to 1 kg, gold in them is 999.95 fine. There are 2 types: gold, poured into shapes, and cut from thick sheets. The bars are accompanied by a certificate and a manufacturer's passport. The cash receipt must contain the name of the metal, sample, weight, serial number, price, number of ingots, date of purchase. An identity document is required to complete the transaction.

The banks set the price per gram of gold independently, so there may be significant differences with the book price of the Central Bank of Russia. The cost of gold bullion is 15-20% higher than the world price. The price also depends on the weight of the ingot. The greater the weight of the bar itself, the cheaper a gram of gold in it costs. Purchased ingots should be handled with extreme care. If there are scratches, the bank may refuse to redeem it or greatly reduce the price.

Read also

Where is it more profitable to invest 100,000 rubles?

It is possible to buy gold bullion outside of Russia. In many countries, they are sold without a VAT surcharge, which makes the purchase more attractive. In Germany, anyone can buy an ingot from vending machines. You can bring 65,000 rubles worth of gold (a little less than 100 grams) into Russia without paying a duty, and no more than once a month.

If the customs authorities decide that gold is not imported privately, but for commercial use, a 20% duty and 18% VAT will have to be paid. Gold purchased in excess of RUB 65,000 is subject to a 30% duty. Ingots can be stored in safe deposit boxes of the country where they were purchased. To export money from Russia to buy gold bullion, a bank card account is used. Lost interest will be less than paying VAT in your home country.

How to sell gold bars

Selling gold bars is advisable only when the price of gold rises 1.5 times. The wait may take several years. Otherwise, the sale will only bring a loss. Even fewer banks accept bullion than those that sell. Banks set the price of gold arbitrarily. Spread - the difference between buying and selling, can reach 40%. Before the purchase, the bank conducts an examination of the authenticity, the owner of the ingot pays for it.

At any time, the bank may decide to stop accepting bullion from the population or to reduce the price. The cost of an ingot also depends on its condition. Ingots that do not comply with GOSTs are not accepted without a certificate, manufacturer's passport. If the bank doubts the authenticity of the bullion, it has the right to withdraw it for further examination, the results of which the client will be notified.

In addition to the bank, bullion can legally be sold to buyers or jewelers with special permits. They often buy gold at a higher price than the bank.

Transactions between individuals are prohibited. The law provides for a fine ranging from 200 to 500 minimum wages or imprisonment for up to 3 years. It is allowed to donate bars. If citizen Petya cannot sell a gold ingot to citizen Vasya, then what prevents Petya from donating this ingot and receiving a material reward from Vasya?

The only risk is getting a fake. You should not rely on documents, since there is no guarantee that they belong to this particular metal. In the case of buying a fake, it makes no sense to expect compensation in court. The law will not only not help, but will punish both the buyer and the seller.

Investment in commemorative coins

Commemorative coins, or as they are also called - anniversary, gift, can be purchased at banks, but the main seller is Sberbank. The issue of these coins is usually timed to coincide with significant dates, dedicated to famous people and cities. The cost of coins includes the work of designers, the cost of minting and the illusory numismatic value. The minimum price for one commemorative coin is 6,000 rubles.

commemorative gold coin 50 years of the flight of the first man into space, issued with a denomination of 1000 rubles and a circulation of 500 pieces

As a rule, coins are issued in limited editions. Most gift coins are proof. They have a smooth mirror surface with a matte relief pattern. Gold coins are packed in special capsules, since it is almost impossible to remove fingerprints from the surface.

pictured is a 50,000 ruble gold coin dedicated to the 150th anniversary of the Bank of Russia

Unlike bullion, coins are not subject to VAT when purchased. Investments in gold as commemorative coins are of interest only to numismatists. It is difficult for the average citizen to determine the growth potential of the commemorative coin value over time.

Hello dear readers. I bet that each of you is interested in the question of how to securely preserve your capital in the face of rapid inflation.

You don't need to be a financial analyst to understand the need to withdraw funds from a rapidly depreciating monetary form into stable tangible assets, for example, precious metals.

Let's talk about how to store money in gold and whether it is effective in terms of generating income.

This metal, unlike any national currency, is capable of not losing its value for many centuries. This is due to its small global reserves and a complex and costly mining process.

Our ancestors also widely used gold coins as a means of payment. Even then, the presence of this metal determined the status of a person and opened up wide life opportunities for him.

They looked for gold, they died and killed for it. Later, the irrationality of using expensive goods for the purchase of cheap goods became clear, and gradually it began to be withdrawn from the circulation of money.

Nevertheless, even today, gold remains a stable means of payment, allowing not only to preserve capital, but also to increase it. This trend is especially justified during economic times, when the national currency is rapidly losing its purchasing power.

At this time, not only private investors are turning their eyes to this metal, but also the governments of entire states are striving to replenish the country's gold reserves as a reserve currency.

According to the quotes of the last decade, the price of a gram of gold bars has increased by almost 300%. It's no surprise that long-term investments in gold hold great promise.

What are the alternatives for a potential investor

Having decided to invest your capital in this precious metal, you have several options:

Buying jewelry

Their acquisition helps to emphasize status, and in many eastern countries it is considered a mandatory manifestation of feelings for a spouse.

Is a jewelry investment profitable in terms of investment value? Definitely not. The thing is that their high price is formed not so much due to the cost of the metal, but due to the work of the master.

If he is not a world famous designer, this will in no way be taken into account when selling jewelry, which will go at the price of ordinary scrap.

It is precisely because of the significant difference between the prices of sale and purchase that jewelry should be considered as an investment only in case of a sharp devaluation of the currency and the absence of other alternatives for capital investment.

This does not apply to collectible or antique jewelry. They are regarded as rarities and antiques, the price of which is determined by their uniqueness and not by their actual value.

Investment in "golden" stocks

This method, like investing money in ordinary securities, is impossible without the mediation of an investment company and involves two ways:

• Purchase of shares in gold mining enterprises for the long term. The goal is to receive dividends and profits from the subsequent sale of securities that have risen in price.
• Receiving speculative income from the growth of quotations of "gold" shares in the short term. This option requires the ability to analyze the current situation on the stock exchange and cannot be recommended to the general public.

Considering that the volume of paper gold is much higher than its physical quantity, playing with stocks can be very risky.

Buying gold coins

Any banking institution is ready to offer its customers to purchase gold coins, which can be:

• investment;
• memorable.

Investment coins are issued in large quantities by the Central Bank of the Russian Federation. Due to the simplified minting technology, their value is practically equal to the price of gold itself and does not correlate in any way with the indicated denomination.

The purchase of coins is not taxed, while the sale will have to pay tax on income from individuals.

You can sell coins to a bank, pawnshop, private person or jewelers who buy them for raw materials.

Considering this option as an investment, it should be remembered that it can only bring benefits in the long term, since the difference between the purchase and sale price is at least 20%. Therefore, it is worth waiting for the rise in the value of gold.

Commemorative coins are produced in a limited edition and involve a more complex production algorithm. This, as in the production of jewelry, leads to an overestimation of the value of coins, compared to the price of the metal used. Therefore, they are usually of interest only to numismatists.

Purchase of bank bars

A purchase and sale transaction is drawn up in a bank if you have a passport or other document proving your identity. It is necessary to make sure that the ingot has a stamp indicating the sample and the manufacturer.

Also, the ingot must be accompanied by a cashier's receipt, passport and manufacturer's certificate.

When buying a bank bullion, consider the following points:

• It is more profitable to purchase small bars, since the price of a gram of gold in them is higher. Therefore, if you need to buy a kilogram of metal, break it down into several ingots.
• You will have to pay 18% VAT. You can avoid this by purchasing gold abroad. In the UAE, for example, bullion is sold simply in street vending machines. But then it is worth taking care of their storage in the same place, because it will be possible to introduce the ingot into the territory of the Russian Federation duty-free no more than once a month and in monetary terms corresponding to a weight of less than 100 grams.
• It is also worth taking care of the storage options for the ingot, since it is unwise to put it under the mattress at home. You will have to issue a safe deposit box, a safekeeping agreement or purchase a safe for personal use.

As for the return on your investment, I would recommend selling ingots no earlier than after the price has risen by 1.5. This is due to the fact that banks are buying back bars with a buy-sell spread of up to 40%.

You will also need to pay for an examination for the authenticity and quality of the ingot. Therefore, this gold investment from the point of view of recoupment belongs to the category of long-term.

You can try to gain a little in price by selling ingots to jewelers who have the necessary permission. But transactions between individuals are prohibited (But no one can prevent you from giving your friend an ingot for his birthday, and a little later to receive free financial assistance from him).

Opening a metal account

In fact, this is a deposit, the currency of which is gold. Moreover, you are buying not a physical, but an impersonal form of metal at its current value on the world market.

The advantages of this investment method are:

• low entry threshold: an account can be opened even for a gram of gold;
• no need to pay VAT;
• no need to take care of the storage of the actual precious metal;
• ease of exchange for cash.

There are two types of metal accounts:

• Urgent - allow you to receive interest when the value of gold rises and at the end of the term to withdraw a deposit in the form of an ingot or cash equivalent. If you prefer bullion, remember to pay VAT.
• Current - make it possible to sell your impersonal gold at any time at the current bank rate. This allows you to receive speculative income from exchange rate changes.

Please note that you should open metal accounts only in a reliable bank, preferably with a share of state ownership.

This is due to the fact that gold deposits are not subject to compulsory state insurance, therefore, if a financial institution is liquidated, you will lose your money.

As you can see, there are plenty of options for storing your savings in gold. But which one to choose is determined by many factors, ranging from the amount of cash available to the time during which you are ready to expect profit.

I wish you to make the right choice that will improve your financial well-being. On this I say goodbye to you and invite you to join the ranks of my subscribers.

P.S. By the way, now it is possible to buy shares and other assets without leaving home through, as well as open an individual investment account (IIS) remotely.
To buy a small block of shares for trial, you can use the button below:

Buy stocks online

In Russian realities, gold has always been and remains the main way of saving capital for the population. The mistrust of the ruble is due to the constant financial crises and devaluations in Russia. And the US dollar also cannot be considered a store of value. The American currency is not backed by anything. The media constantly reports on the huge US government debt.

Any citizen of the country with any income can invest in the yellow metal today. There are many ways to invest. From buying physical gold. So is the investment in "paper" gold - financial instruments based on the price of the metal.

Pros and cons of investing in gold

Minus investment in the yellow metal is the non-productive nature of this investment. Such an investment of money does not bring current payments to the investor, unlike deposits, real estate or shares. Having bought gold once, in order to earn money, an investor must wait for the price of his asset to rise. And you can wait a long time. Decades.

The pros of investing in goldis its worldwide recognition. This metal is an accepted measure of value and wealth. And because of the cyclical nature of the economy, when economic shocks occur several times in a decade, investing in gold helps to preserve the investor's capital when money and other assets fall sharply in value.

How to Invest in Gold? Investment methods

Physical metal investment.The most reliable way to invest in gold is to buy the metal. In Russia you can buy:

• coins;
• ingots;
• jewelry.

Buying and selling coins and bars can be done at banks. Jewelry is bought in jewelry stores.

The most profitable way for an investor to buy and sell metal is coins. The sale of coins is not subject to VAT (18%), unlike bullion.

The least profitable is the purchase of jewelry. The price of jewelry includes the costs of the store, the expensive work of a jeweler, and the artistic value of the product is also included in the price. But it is possible to sell the jewelry at the scrap price.

Investment in "paper" gold.With the development of financial markets, there are more and more ways to make money on gold. Banks, investment companies and the stock exchange offer a wide range of investment instruments.

Depersonalized metal accounts.The most widespread instrument in our country is the Depersonalized Metal Accounts (OMS) in the bank. The depositor's income or loss depends on the current settlement price of gold. The main thing to remember is that MHI deposits are not insured by the state. Therefore, it is better to conclude a compulsory medical insurance agreement in banks and state participation. The price of buying and selling metal is set by the bank (spread). The cost in the bank differs from the calculated price of the Central Bank of Russia by several percent.

Mutual investment funds of gold.Mutual funds that invest the money of shareholders in exchange-traded foreign funds, focused on the price of the metal, can be purchased from management companies. Some management companies are subsidiaries of large Russian banks. Management companies take a fee for managing mutual funds up to 5% per year of the total assets, and also not all clients' money is placed in foreign funds. Part of the money is kept in accounts so that customers can return the money at their request. Therefore, the profitability of mutual funds will lose out to the dynamics of metal prices.

Buying gold on the exchange.The MICEX offers several instruments, thanks to which it is possible to make investments in precious metals: company shares, futures contracts, buying gold in the foreign exchange and precious metals markets, ETFs.

To work on the Moscow Exchange, you must have a brokerage account.

ETF for gold Is an analogue of a mutual fund. The only difference is that ETF shares are traded on the exchange and management fees, commissions for buying or selling do not exceed 1%. The profitability of ETFs due to lower costs is significantly higher than mutual funds.

Buy gold futures on the Derivatives market of the exchange. A futures contract is a financial derivative. When the value of gold rises, then futures rise as well. Futures is a forward contract. It has a closing date when it is settled. The contract is valid for three months or six months. When the futures close date comes to an end, then you need to sell and buy a new futures for a new period. Therefore, you will have to track the execution time of contracts.

The futures rate almost always tracks the price level in the world market. And the investor's income is formed by the difference in price between buying and selling gold futures. At the same time, the costs are minimal. It is necessary to have several thousand rubles in the account for guarantee security. Also, the investor is spent on the commission of the exchange and the broker.

Buying gold on the exchangeis similar to buying currency. By buying metal in this way, the investor will have the metal in the broker account of the foreign exchange market. The minimum purchase and sale amount is 10 grams - 1 lot. Thus, the purchase requires 20,000-25,000 rubles. Exchange instrument GLD / RUB.

Through the purchase of metal on the exchange, you can subsequently receive it physically. Part of the precious metal is kept in the vault of the National Clearing Center (part of the Moscow Exchange Group) in the form of ingots.

Investments in shares of gold mining companies one of the ways to invest in gold. On the Russian market, you can buy shares of companies that produce it in Russia.

Investing in company shares has an advantage over other investment methods. By its nature, gold is not a productive asset. By itself, it does not generate cash flow and profit. Investment gains or losses arise from pricing in commodity markets as well as investor expectations and central bank actions. By purchasing shares in companies, you become the owner of a gold mining business - a shareholder. Shareholders receive part of the company's profits in the form of dividends.

By holding shares in companies, an investor can expect to receive a profit regardless of the price of raw materials. The business is focused on profit in any market situation. If the price of the metal falls, the company will cut costs. Reduce production, lay off personnel, invest less in new fields. But overall, the company will be profitable. And shareholders will receive dividends amid low commodity prices. Of course, stocks of companies will lose value at a low price of gold. But the investor will constantly receive money that compensates for the loss, as opposed to investing in "physical" or "paper" gold in other ways.

Having considered the pros and cons of investing in gold, let's look at the profitability.

Return on investment in gold

Is it profitable to invest in gold? Despite the fact that it is not a basic necessity for a person like food, energy, real estate, investments in gold show consistently good returns on the long-term horizon. The economy and financial markets periodically fall into the phase of crises, and the eternal metal becomes a safe haven for investors. Gold is popular with conservative investors due to the fact that the modern world monetary system can only print money that is not backed by anything. The more money is printed, the more an ounce of precious metal is worth in that money.

Earning money on gold is not constant. But for Russia, investing money in this metal is especially important. It is priced in US dollars. And with the tendency of the national currency to devalue, the price of gold in rubles is constantly growing in the long term. If you invest 100 rubles in gold at the end of 1997, then at the end of 2015 the investor would have received 3,944 rubles. This result is associated with the devaluation of the ruble in 1998 and especially in 2014-2015. Other types of investments showed the following dynamics: real estate 2 732 rubles; shares (MICEX index) RUB 2,059

Feedback on investments in gold

As I wrote above, gold is not a basic necessity. According to the latest data, it is mined more than necessary for the jewelry industry and electronics manufacturers. But it is a store of savings for national banks. The population of the Earth is growing. The population of the third world countries will gradually become richer, and will consume gold in the form of jewelry.

1. Physical gold in the form of coins. In the amount of a semi-annual consumption budget. In the event of any apocalypse, one could live until a bright future.
2. Divide the rest of the investments by 50% of the gold portfolio in "Paper" gold.

Buy gold through the Moscow Exchange to a brokerage account. It is as reliable as in OMS Sberbank. The shareholder of the Moscow Exchange is the Central Bank of Russia, and state banks, including Sberbank. At the same time, exchange and broker commissions are about 1%. And not 12%, as sometimes there is a spread in Sberbank on OMS accounts.

Shares of gold mining companies. Dividends will smooth out periods of declines in metal prices. It is worth choosing companies that regularly pay dividends.

At the same time, you should not postpone investments and save up for coins, and deal with the order of the stock exchange. Already, part of the income can be directed to gold. You can start at the OMS. Gradually move on to other instruments. For example, they saved up 25,000 rubles for compulsory medical insurance. Closed the account. We bought a coin. With the next cutoff, we bought gold on the stock exchange. Then they invested in shares.

Investing in gold at Sberbank is not the most profitable. OMC accounts are offered not only by Sberbank. But there are also other state-owned banks, where the difference between buying and selling is less than in Sberbank. I like the offer of Gazprombank, where they add another 1% to the OMS account.

And when buying jewelry for yourself or as a gift, pay for the metal, and not for the beauty of the product. If necessary, the pawnshop will give you more money for decoration, where the weight of the metal is greater than that of patterns.