Прекрасной альтернативой стандартному вкладу в dollars or rubles is a metal account in Sberbank. In some situations, it opens up great prospects for earnings. The most popular are impersonal metal accounts, also known as OMS. Their main advantage is that they do not require additional costs for maintenance, and any manipulations with them are very simple. MHIs are offered in virtually any financial institution, but, despite the specific conditions of partnership in each of the banks, there are common standards and rules.
Metal account in Sberbank is one typecustomer accounts, which listed precious metal. It is not peculiar to the presence of signs typical for ingots, such as quantity and sample. Precious metals can be withdrawn from the account either directly in the ingot format, which will be accompanied by additional expenses, and in monetary terms.
If you plan to deposit gold, silveror platinum directly in the physical format, you will have to conduct an examination of the metal, order its evaluation and ensure transportation. Moreover, it is necessary to redeem the VAT in the amount of 18% of its value. Simplification of the replenishment of the account occurs if you use an impersonal precious metal. It will be reflected in its own deposit in grams. You can put on the account of the metal in the amount of 0.1 gram, which makes the offer affordable for almost every person.
Impersonal metal account in Sberbank notaccompanied by the accrual of interest. In Russia, it is not customary to charge additional funds to accounts of this category. If a financial institution offers a rate of 1 to 2%, which will be calculated in grams of metal, then this is an incredibly advantageous offer, and you should immediately agree to it. In Western countries, the practice of accruing interest on the contribution is quite widespread. The investor receives profit on this category of deposits due to changes in quotations. If the value of the precious metal increases during the partnership with the bank, the depositor will earn. If the value of the asset decreases, the deposit will give a drawdown. Specificity determines the low liquidity in the broad masses of a product such as Sberbank's metal accounts. The precious metal exchange rate on the international market determines the profitability and unprofitability of an asset, which is very risky and not suitable for most investors.
OMS service is available for each client.financial institution, which at the time of signing the cooperation agreement was 18 years old. A metal account in Sberbank can be opened for a child who has not yet turned 14, but only if an official representative is present. Children aged 14 to 18 years old can open this category of accounts on their own, but only if they have the official permission of their parents or guardians.
Account management can be entrusted to the thirda person with a certain level of qualification. The main thing is that the power of attorney for the authority should be formalized and notarized. The technical possibility to open a metal account in Sberbank is not at all the branches of a financial institution, so this question should be asked in advance.
Metal accounts, reviews of which mainlypositive, in most cases open for one year. The client is given the opportunity to prolong the deposit. An account can be opened in one of four popular metals such as gold, platinum, silver and palladium. Most often, deposits are opened in gold, as it is considered the most liquid and sought-after asset. Opening an account in silver, platinum or palladium is the prerogative of professional investors. The markets of these metals are highly volatile and both provide good prospects for earnings, and provide high risks. When Sberbank’s metal accounts are issued, the asset’s sale rate is a financial institution and is the price that the customer pays. After the end of the deposit, the client receives the funds at the rate of buying metal in the bank. The difference between the cost of buying and selling an asset is usually called a spread. Quotes are determined by the bank itself, but taking into account the actual value of the metal in the international market and the situation within the state.
Impersonal metal account in Sberbankvery specific, as it does not provide for the direct contact of its owner with the metal. The client simply brings the funds. And the equivalent in metals is charged to the account. See, and even more so to hold your asset in your hands, without additional costs will not work. Assets are, in fact, virtual. Optionally, the account can be replenished or partially cashed. Even the possibility of its temporary closure is allowed, if the situation on the market indicates the impending sharp fall of the metal. It is worth noting that, despite the excellent opportunities in the management of its assets, the bank charges an additional fee for any manipulations.
Metal bills can be cashed andreplenished not only in the form of a cash asset. To cash out and replenish the account is quite realistic with ordinary bars. Here we note that this opportunity is available only in 500 branches of Sberbank out of 8500 operating throughout the country. If the decision is made to withdraw from the account not the money, but the metal itself, it is worth warning the bank in advance. As a rule, in this situation certain financial expenses are incurred by the client. We will have to pay for the release of ingots and their transportation to the bank branch. Moreover, it is necessary to redeem the VAT, which is not charged for circulation of virtual metals. According to the law, gold, which has not left a financial institution, is not taxed. If you look at the situation objectively, then it is much more profitable to carry out mutual settlements with the bank on impersonal metal accounts without direct manipulation of the ingots.
Each client of a financial institution such as Sberbank, impersonal metal accounts (the rate within which is constantly changing) can open in any amount. There is no upper limit.
Persons who actively useonline banking, provided universal, more favorable terms of partnership. We draw your attention to the fact that account transactions can be carried out exclusively in the branch in which it was issued earlier. It is impossible to transfer from one OMS to another.
Metal bills are significantly different fromstandard deposit programs, which, although they guarantee a stable deposit increase, are not immune to inflation. As for gold or any other precious metal, these are assets that belong to the category of exhaustible natural resources, therefore, their value will increase in the future. When making a decision, it is important to pay attention to the fact that this category of deposit does not fall under the protection of the deposit insurance agency, and if something happens to the bank, the damage will not be reimbursed. It is very important to choose the opening time of the OMS, since the profitability of the asset will depend on how profitable the metal was purchased. If you draw up on a rollback schedule in an institution such as Sberbank, metal accounts, the course (gold, silver, platinum, palladium) at that time will be the most profitable, and this will make great money. The average annual return on this category of investment programs is at least 20%.
OMS is more suitable for those who are beautifulunderstands the international currency market and the metal market. Today, when the situation in the economy is unstable, it is better to refrain from this type of investment. Opening an impersonal account is an easy task, but the ability to withdraw profits from it is considered a professional manipulation. It is necessary to take into account the fact that the purchase of a precious metal in a bank will always be carried out at a speculative rate, which will differ significantly from the exchange rate, which in itself promises certain extra expenses.
