What is investment gold. Advantages and disadvantages of investing in gold. How to get maximum income

Many people think that the best investment is investment in gold- and this, in principle, is correct!

Many precious metals are excellent investment items.

Gold is the most profitable precious metal to invest in!

Silver is valued much lower, but brings the same profit.

Only one drawback, silver must be purchased in large quantities.

In all banks of the world, there must be a reserve of gold reserves, and this condition knows no exceptions.

On our planet, gold reserves are limited and therefore its value is steadily growing.

We invest in gold:

• investment in gold bars;
• investing in gold coins;
• investing in iron accounts

Investments in gold bars

The opportunity to profitably buy or sell gold coins is not offered by every bank, since for these operations you need to have an appropriate license.

But, this is not the main drawback of gold bars, when you purchase them, you need to pay VAT (you pay 18 percent VAT, when you sell a bar to a bank, they do not refund the amount of tax), which means that you have to wait about a year before the bars start to bring profit.

Also, storing bullion at home is not safe, but you will need to regularly pay a fee for storing bullion in a bank safe.

Before you buy a gold bar, discuss the terms of its sale in the bank.

Investments in gold coins

Disadvantages of investing in gold coins:

Firstly, it is quite difficult to sell gold coins to a bank; they are purchased as a gift or for collections.

Coins for collections are produced in limited quantities, so the price does not correspond to the weight.

The value of a coin depends on its exclusivity.

But, precisely for this reason, gold coins are very profitable for investment, because over time, not only its weight grows, but also exclusivity, as well as rarity.

Pros of investing in gold coins:

No VAT is payable on the purchase of gold coins.

In order to invest in coins, you need to understand their varieties, because many of them are of great interest to collectors, which can help sell them at a very high price.

Be sure to watch a detailed and very interesting video about investing in gold bars!

Stay up to date with all the news!

Opening a deposit in banking metal

You take your holdings of gold to the bank and put it in a deposit account, or you buy gold from the bank and leave it in your account.

Gold is a precious metal that has been valued for thousands of years. Since ancient times, it has been a measure of wealth, it has carried out the function of money. Now, in fact, paper money has replaced real gold only because it is more convenient to use, but they are worth nothing in themselves if they are not backed by a certain gold reserve of the country.

Many people think that investment in gold is a very correct and deliberate step that will provide you with financial stability and independence. In part, such a judgment is correct, because gold is not very susceptible to the economic impact of crises, and the demand for the precious metal will always be, no matter what happens. We can say that gold is a single world currency that will be relevant always and everywhere. Today we will talk about investment in gold, we will try to figure out how profitable they are at this stage of economic development, and whether there are prospects for this kind of investment.

If we analyze the last few decades, we can see that investing in gold was not very popular among the population of our country. On the one hand, this is due to the inability of ordinary people to buy precious metals, and on the other hand, there were profitable and promising niches that deserved more attention from investors.

The beginning of the 2000s was generally marked by the fact that many large world banks massively sold their gold reserves. Then it seemed that the rate would collapse to a minimum, and gold would lose its status as a “guarantor”, its stability would be shaken, and people would need metal only to admire the beautiful ebb and shine. But the global economic crisis put everything in its place. Just when the banking system began to burst at the seams, investments in gold loudly declared themselves. People who save their fixed capital in precious metals were able to endure the difficult times for this financial world as easily as possible.

It was after these "black" months that many people thought about investing their money in gold, thereby protecting themselves from possible fluctuations.

Banks also began to understand that such a vaunted monetary system is failing, and very severely. If she has already fallen into a deep coma once, then there is no guarantee that this will not happen again in the near future. The mass sale of gold stopped, and the reverse process began - banks were actively buying up the precious metal, increasing demand every day. And if demand goes up, so do prices, which was very beneficial for those who invested in gold before the global financial crisis.

A positive factor for "gold" investors are destabilizing situations in the field of politics and economics. These can be unpredictable election results, crises in the highest echelons of power, untimely repayment of debts on credit obligations between countries, the inability to come to a single developed plan to eliminate the consequences of the crisis in Europe and the United States, disputes in the EU countries, inflationary processes and a number of other reasons. .

Investing in gold: dry numbers and facts will say a lot

You can talk for a long time about whether investing in gold is profitable. Maybe this kind of investment should be used only as a guarantee of stability, with no hope of making money, or maybe it’s worth analyzing the situation by buying gold at the boundary mark and waiting for the peak price growth per gram? Here, everyone chooses the best option for himself.

Now I would like to give just some facts that will help you understand that investing in gold is quite profitable and promising.

Based on official data from 2007, the gold rate according to the Central Bank of Russia was at the level of 13,402 rubles per third ounce (31 grams). A year later, the price increased by 5,000 rubles and amounted to just over 18,000. In May 2012, a certain peak was recorded, when the price of an arbitral ounce was estimated at 50,376 rubles. It is not difficult to calculate that in 5 years the rate has grown almost 4 times.

At the time of writing this article, the gold rate is 47,884 rubles per third ounce. As you can see, many of those who invested their capital in precious metal before the global crisis not only saved their money, but also managed to multiply it by more than 3 times. How realistic is it now? Of course, it’s hard to talk about such incredible jumps, because the exchange rate is more or less stable, and the economic situation in the world does not portend anything dangerous.

But the conclusion is obvious - investments in gold are justified and have certain prospects. No matter how, every year the economy of many leading countries fails, which is reflected in world stability. Therefore, it is better to play it safe and invest free capital in the eternal currency - gold.

Investing in gold: how to make the right choice?

Only one question remains unanswered - what type of investment in gold to choose? Let's take a look at the 4 main ways to acquire gold, and evaluate each of them.

• Investing in gold bars

Buying gold in the form of bullion is not the most optimal and profitable option for investing in precious metal. In this case, the cost of the bar will include value added tax, which you will not be reimbursed upon sale. This way of investing has been popular since the late 90s, when people finally lost faith in the banking system and were looking for any way to insure their savings. As a rule, bars from 20 to 100 grams were bought, which were then stored in home safes. Over time, the excitement began to subside, and people took less and less gold bars from banks. And even now, if you decide to store gold at home, then you should do it very carefully. One scratch on the ingot, and the bank may no longer accept it, or significantly reduce the cost.

On this moment Only a few banks are massively involved in buying and selling gold in Russia. First of all, this is the Sberbank of Russia, which conducts more than 65% of all transactions involving gold. There are also several other prominent players in this market - Nomos-bank, VTB, Nikoil.

If you decide to invest in gold bars, then the only way to avoid paying taxes will be if you do not take it from the bank and put it in a personal cell, the rent of which will also have to be paid. Plus, commissions when selling to a bank (which can reach up to 10%) will help to finally "eat" your profit. However, this method has prospects if the state follows the example of most of its foreign colleagues and cancels VAT when buying an ingot (this possibility is currently being discussed in the State Duma).

The conclusion is obvious - if you want to invest in gold at the moment by buying bullion, then it's better to wait a bit and consider other options, which we will write about below.

Investment in gold coins

This is already a more well-known and profitable way to invest in gold. Many Russians at the moment choose this kind of investment. Do not confuse ordinary gold coins with investment ones. First of all, investment differ in that they have good quality gold, interesting design, high complexity of coinage. These kind of coins are very liquid, and you can easily buy or sell them. It is worth noting that many banks, and even private financial institutions, are happy to buy gold coins.

By the way, there are not only gold coins, but those based on high-quality silver. We considered investments in silver in detail in the article ""

Investing in gold coins also has a number of disadvantages:

• A lot of banks sell gold coins, but not so many accept them. Very often, the bank works only for sale, and when the question arises that you need to get money for a coin, it is quite difficult to find a buyer. Although if you live in a big city, then you can forget about this problem.

• Big difference between the selling and buying price of a coin. Very often, banks invest their fees in the price, which are simply incredible. Thus, coins become just a beautiful gift or an attribute in your home, but not a promising investment.

In order to somehow minimize losses, customers are offered discounts when buying large lots of coins, in the region of 2.5 - 4%. But here we are talking about the scale of 100 "golden chervonets", or 500 silver "sables". In order not to pay income tax of 13%, it is necessary to hold coins for more than 3 years.

If you just collect coins and do not plan to make money on exchange rate jumps, then you can contact Sberbank, because it has recently started selling exquisite gold coins from other states.

OMS - Impersonal metal accounts

This is another very smart and profitable way to invest in gold. It consists in the fact that you deposit a gold bar into your account, or an amount of money that is equivalent to a certain amount of gold. Banks offer small interest on such deposits, usually 1.5-2% per annum.

For us, the issue of taxation of CHI is not entirely clear. If someone is interested in this issue, you can read in more detail on the specialized websites or official pages of banks.

I would also like to add that in Europe and the USA, investing in gold through CHI is the most common. This is beneficial both for depositors, who receive a certain percentage, and for banks. If you decide to open your own account, then be very careful about choosing a financial institution. It is best to invest in large banks with huge capital, serious support and an influential name. Don't be fooled by promises of high percentages. It is better to get little, but sleep well, knowing that tomorrow your gold will be in place.

Exchange trading

There are 2 ways to invest in gold through the exchange: you can either buy shares of gold mining companies, such as Polyus Gold, or invest in derivatives (futures and options) for gold on the RTS exchange. This method is not for novice investors, but for experienced financiers. But here are the lowest costs. If you are not strong in analytics, general banking management funds (FBU) will be useful to you - they are also engaged in similar activities.

Trading on the stock exchange is associated with certain risks. Below is a chart where you can see a chart of the rise and fall in the price of gold over the past three years. The maximum rate was in mid-July 2011, and amounted to 1813 dollars per ounce. Now, at the time of writing, the price per ounce was $1,332. We are pleased with the trend that over the past month the price has been growing smoothly, but steadily.

When talking about gold, many people immediately think of jewelry and collectible coins. Let's say right away that this is not an investment, because the price of these goods significantly exceeds the real price of the precious metal spent on their manufacture. And if you buy a piece of jewelry for one price, you will sell it much cheaper.

Investments in gold: we conclude from the above

Summing up everything we wrote about, we can say that investing in gold is a great way to save your finances and protect them from various kinds of problems in the global economy.

If we consider gold as a possible investment, then it should be understood that this is a very long-term investment, which has the main plus - stability and reliability. Do not expect huge profits, because such price jumps as it was after the crisis are no longer expected in the near future. The rate either falls or rises, and in order to predict such jumps and try to make money on the difference in rates, you need to carefully and in detail deal with analytics, study the market, and follow trends in the world.

When investing in gold, it is important to choose the right moment: often the minimum prices are in January-February and from mid-June to mid-August. Now there are companies that allow you to buy gold remotely in other countries (where there are lower transaction costs).

Everyone is familiar with such a phenomenon as the “gold rush”, which began in the 19th century. But if then it was expressed in mass insanity on gold mining, then in modern world it has acquired a more modernized look. In today's reality, people in the current economy are prone not only to hoarding, but also to making a profit. But everyone wants to get a significant benefit without making any effort. And most importantly, that the profit should be 100 percent, and the way to extract it is safe. Today it has become possible. Due to the fact that gold has passed the test of time, it is not surprising that it is really the most profitable investment. And the popularity of investing in gold is quite logical and historically conditioned.

Gold cannot lose its value. This is because it acts as a collateral for all world currencies.

But the main advantage of this asset is that it can also generate income.

When there are free funds, a person involuntarily thinks about where they can be invested. There are various options: this is a bank deposit, bonds, and, of course, investments.

The most accessible option that does not require special knowledge is investing in gold (including White gold). But for citizens, the question remains: how safe is this investment?

Most experts are unanimous in their opinion regarding the correct choice of gold as an investment. This is due to the following factors.

1. Investments in gold in Russia are offered by banks with an excellent reputation, fairly solid and stable companies. Extradition of all required documents happens without fail. And this suggests that all operations are carried out in accordance with the law.
2. Gold as an investment is attracted by the fact that this precious metal, as a rule, only adds to the price. This can be seen by examining the statistics for past years. And even when you go to any jewelry store, you can notice a tendency to increase the price per gram of this precious metal. And this explains the rise in price of gold jewelry, the purchase of which can also act as an investment.
3. Gold has such an important quality as durability. It does not require any care (which cannot be said, for example, about silver). It cannot rust, deteriorate unexpectedly, break, melt, or simply evaporate. It can only grow (in value). We can say that this metal is eternal. If you have purchased 10 grams of gold, then in a century you will also have 10 grams of gold.
4. Gold is not only a noble metal, but also a very compact one. Its storage does not require much space. It can even be at home in a safe built into a wall or closet. But to ensure security, the option of storing in a bank is more preferable. It is he who is chosen by the majority of investors (especially since rent is not expensive).
5. For this precious metal, fires, storms, accidents, that is, any cataclysms and disasters, are not dangerous. To prevent this from happening, gold will still remain. It may be in a modified form, but it will exist. For example, with investment papers, the situation will be quite different.
6. Investment gold is also safe from a political point of view. At the moment, one currency may be dominant, and in the future it will be different. It may happen that there will be no state with a currency at all. But gold will remain precious anyway. The rate of gold is constant, stable.
7. If it seems to a person that buying and storing gold is a costly business and takes time and nerves, then you can think about investing in “metal accounts”. This is a way by which you can earn extra money on changes in the price of gold. The meaning of such an investment is that money is deposited, and grams of metal are recorded on the account. The security of such an account is that you do not need to think about the safety of gold. It is not stored in cells, because everything is carried out virtually.
8. Experts say that the more severe the crisis, the more expensive this precious metal becomes.

And most importantly, that the states themselves determine their financial stability by gold in the form of gold reserves. Citizens can also create their own stock of the precious metal.

In the Internet resources you can find many forecasts of the gold price. This is not surprising, because gold has always been well valued and to this day is of great interest. The rate of this precious metal from 2001 to 2012 was in constant increase. But in 2013, the price of gold fell sharply, it fell by about 28%. This is the largest decline since 1981. This situation led to the fact that there was an increase in demand for physical metal. Those who invest in it for the long term see the price drop as a chance to accumulate assets. But the Austrian Mint (according to Blumberg Luxury) is in operation 24 hours a day, trying to meet the growing demand for gold coins.

The low price of this metal does not unequivocally mean that gold quotes will quickly go up in the near future. Further more: Saxo Bank predicts the possibility of the price of the metal reaching even lower levels. But despite this, prices promise to strengthen somewhat. At the moment, experts do not have a consensus on what will happen to the price of this precious metal. Some have expressed great uncertainty about the direction of the price of gold.

What are the options for investing in gold?

• Purchase of gold bars. When buying a gold bar, there is a need to pay VAT, the amount of which is 18%. It is assumed that this type of investment is intended for a long-term strategy. Gold bars are stored either in a safe at home or in a bank safe. For most, the second option is more acceptable. Due to the fact that there are difficulties in transportation, verification of a sample of gold and storage itself, the use of a bank account through assigned vaults is becoming increasingly popular and in demand.

Until 1997, private individuals were prohibited from owning gold bars in our country. After removing this taboo, it became possible to have two types of ingots:

• Gold bars are in excellent condition (these are the owners of a smooth and clean surface, on which there are no burrs, scratches, abrasions). They should not have any inclusions of a different composition. Certificates for such bars must be in perfect condition.
• Gold bars are in satisfactory condition (they may have dirt, wear, dents, scratches that do not affect the weight of the bar itself). In such ingots, inclusions of a different composition are possible, and certificates for them may have spots and tears (but the certificate must be readable).

· Impersonal metal account. This option is quite profitable. This is primarily due to the fact that there is no need to pay taxes. The disadvantage of such an investment is that in the event of a bank failure, return cash there will be no opportunity for gold. From the point of view of security, it is worse than a bank deposit (in that case, in case of bankruptcy, the state will return the full amount or part of it). The advantage of this method is that you can buy an almost unlimited amount of gold. The cost of such metal will be slightly lower than the price of real metal. This is due to the fact that its price does not include the cost of creating ingots and their transportation. But working with such gold is no more difficult than with real.

IMPORTANT: if an investor still wants to invest in real metal, then you need to remember that gold bars have different weights. Their cost per gram of gold can also vary significantly. Often, with an increase in the weight of the gold bar itself, the price per gram of metal becomes lower. This means that a more massive ingot has less liquidity.

• Gold mining companies, their stocks. To invest using this option, you must first select a suitable company. The disadvantage of this method is that the company is not immune from bankruptcy during the financial crisis.
• Investment in commemorative coins. Such an investment can give excellent returns. The only problem is that its extraction is subject only to professionals. Any such coin has the potential to rise in value in the future. But it is difficult for a beginner to determine such an opportunity. At the time of buying commemorative coin You also need to pay a tax of 18%. Such coins are made only of high quality, which greatly affects their price. Investment coins have one difference. Their most important feature is that when buying such a coin in a bank, it is no longer possible to sell it to him. In this case, a numismatic auction is used.
• Buying jewelry. This method is questionable. A significant number of celebrities prefer it and buy jewelry of various prices. But it is also necessary to take into account the fact that the price of jewelry is also included in the work of the master, and not only in gold. And most importantly, it is used in an alloy with some other metals. Selling jewelry for the same price is almost impossible. It can only be sold at the current price per gram of precious metal and receive a small amount of money.

Experts say that regardless of whether you invest in gold bars or a depersonalized metal account, such an investment should be long-term. It is important that it lasts at least one year, and preferably three to five years. Then the investor can hope to make excellent returns.

Alexander Igorevich

Reading time: ~ 6 minutes

Despite a certain reduction in the price of gold, investments in this precious metal continue to be an effective tool for diversifying investment portfolios for both large investors and individuals.

Why is investing in gold so popular? There are several reasons for this, and here they are:

• high liquidity (selling gold is very easy);
• gold is the measure of security for money at all times;
• unlike currency, gold is not tied to the country's economy;

Ways to invest in gold

To date, companies and private investors have several methods of investing assets in gold. This:

Of course, each of these investment methods has pros and cons, as well as features of investment activities. Therefore, before deciding to use one or another method of investing in a precious metal, it is worth studying it in detail.

Non-cash metal accounts

Today, almost every Russian bank offers its customers to open an initialless metal account. When opening such an account, it should be borne in mind that it does not fall under the deposit insurance program, so it is better to choose a stable banking institution, for example, Sberbank or VTB 24. By visiting the bank's website, you can find out the conditions for opening such an account.

A metal account is similar to bank deposits, however, the account does not contain currency, but a certain amount of precious metal. It can be gold and silver, platinum, palladium and so on. However, most often investors choose gold.

The advantages of this type of investment in gold:

• no expenses associated with opening an account (commissions and other payments);
• the ability to get metal on hand at any time;
• no taxes on certain metal purchase options.

Trading through a broker

This method of investing in gold (silver) does not involve the direct participation of the investor in metal purchase and sale transactions. All the necessary actions are performed by the broker himself, and the investor only has to make the right and timely decisions regarding the purchase of certain volumes of gold and their sale.

All gold coins are divided into investment and collection.

• Investment coins can be purchased at any bank licensed for this type of activity, they do not have a mirror surface, and their value is close to the price of pure gold. Also, their purchase is not subject to VAT. In Russia, many banks are engaged in the sale of gold coins, including Rosselkhozbank, VTB, Sberbank, and so on.
• Collectible coins more expensive than investment because they have artistic and sometimes historical value. If there is demand, the price of such a coin can grow several times over a short period of time. However, it is not easy to acquire such coins, especially those that are produced in limited editions. You can track the issue of such coins on the website of the Central Bank of Russia.

You can read more about investing in gold coins at.

Buying gold bars

This type of investment in gold involves the purchase of bars of a certain size, and the transaction itself is secured by a special certificate. It is worth noting that banks have restrictions on the minimum amount of gold sold. Therefore, this instrument of investing assets in gold, as a rule, is the prerogative of large investment companies. It also implies certain additional costs, including the need to store gold bars.

Purchase of gold items

This type of investing in gold is popular only among private individuals who, by buying gold products, seek to protect themselves from the effects of inflation, as well as to “make reserves” for the future. From the point of view of commercial investment, compared to other ways of investing in precious metals, such as investing in gold mining, this method of increasing financial assets has a number of disadvantages:

• products are not made of pure gold;
• their value is exaggerated due to trade markup, taxes and other factors;
• products are difficult to sell even at the price at which they were bought.

What are the pros and cons of investing in precious metals? Is it profitable to invest in gold in 2017? How can a gold price chart be useful?

Hi all! Denis Kuderin is in touch - an expert in the field of investment.

My friend has been collecting memorabilia and commemorative coins, including gold. So, some of them have grown in price by 5-15 times or more in just 10 years. For example, he showed me the Sower coin, which he once bought for 1,000 rubles. Now it costs about 20,000 rubles. It can be sold to the same Sberbank at any time.

The price of the “George the Victorious” coin, issued in 2008, rises by 20-30% every year. In the year of release, it could be purchased for 6,000 rubles. Now it costs 17,000. If I had bought a dozen of these coins at one time ... Will we count the lost profits or will we figure out together how to invest in gold wisely? That's right, let's find out!

I will also tell you which companies can be trusted with “gold” investments and tell you about the possible risks of such investments.

Go ahead, friends!

1. What are the features of investing in gold

Precious metals and especially gold have been one of the most reliable and profitable investment areas for thousands of years.

No economic reforms and political upheavals will cancel the fact that the reserves of this metal on the planet are limited and a real decline in value does not threaten it either in the near or in the distant future. Unless new alchemists will appear and learn how to extract gold from lead. But this is, to put it mildly, unlikely.

It is noteworthy that economic crises do not reduce gold prices, but vice versa.

Example

According to Sberbank, the profitability of depersonalized metal accounts over the past 3 years amounted to 84%. And the price per gram for 5 years has grown from 1,600 to 2,500 rubles.

Investing in gold in 2017 is just as profitable as it was a year or 5 years ago. Moreover, experts believe that the cost of this metal is likely to increase by the end of the year. Another issue is the payback period of such investments.

And yet, you should not immediately run to the bank and exchange cash for gold bars. First you need to weigh all the pros and cons of such a decision and learn the basic rules for investing in precious metals.

The first rule that an investor in precious metals needs to know is that investments in gold are designed for profit in the long term. It will not work to get real income in 3 months and even in six months. The payback of such investments is measured in years. See the charts of gold price growth on the websites of major banks.

Here is an example of such a chart.

The next point is the choice of investment method. Every citizen of Russia has the right to purchase ingots or coins in a bank, as well as open an unallocated metal account (OMS) in gold and other precious metals. Each method has its own characteristics and risks, which I will discuss in detail in the corresponding section of the article.

The main advantages of investing in gold:

• gold almost does not fall in price - this is not about seasonal fluctuations, but about long periods of price quotation;
• this metal does not rust, does not corrode, does not wear out - if your great-grandfather bought a 1 kg ingot 100 years ago and handed it over to you as an inheritance, weight and appearance metal will remain virtually unchanged;
• it is easy to store - the ingots are compact and do not require special care;
• gold is liquid - it can always be sold to banks or others;
• it is a universal currency that is valued on all continents and in all countries.

The main disadvantage of gold as an investment instrument is its high purchase price. Not every citizen has free money to purchase the amount of gold necessary to obtain a stable income.

Another disadvantage is the long waiting period for profit. I have already talked about this - in order to get a solid profit, you will have to wait several years. In addition, gold is property, and it is taxed.

Method 3. Impersonal metal accounts

An interesting and promising way to invest. CHI is opened in a bank licensed for this type of operation.

The client purchases gold virtually at the price set by the banking institution. As a rule, this price is slightly higher than the exchange value of gold on that day. The buyer has nothing to do with the metal itself, just the amount that he deposits on the deposit is converted into grams of the precious metal.

In the event of an increase in gold prices, the client receives a guaranteed income. If he closes the account, he is returned the monetary equivalent of the value of the metal, but already recalculated at the current gold rate.

Significant advantages of OMS:

• unlike "physical" gold, depersonalized accounts are not subject to VAT;
• the price of gold for OMS is as close as possible to the stock exchange, which allows, in the case of a demand account, to sell assets as profitably as possible;
• bank interest is accrued on the accounts (albeit small).

There are also shortcomings that experts and analysts talk about. Most importantly, such deposits are not insured by banks, like cash deposits. This increases the risk for the investor. Therefore, when choosing a bank for opening a CHI, be extremely careful. Choose only proven and reliable institutions with a long track record.

Method 4. Exchange trading

This is the easiest way to invest in precious metals. It is not necessary to acquire "physical" gold, and therefore there is no question of its storage. At the same time, brokers receive income not only due to an increase in the price of gold, but also due to a decrease in it.

Leverage allows you to trade in volumes exceeding the deposit, which also has a positive effect on profitability. And yes, you don't have to pay taxes.

There are risks, where without them. The probability of losing a deposit is present in any exchange transactions. It all depends on the reliability of the broker and the effectiveness of the chosen trading strategy.

In the table, the pros and cons of each method are presented in a visual form:

№	Ways to invest	Advantages	Flaws
1	Ingots	Over the years, gold does not fall in price, but grows	VAT 18% on the purchase of an ingot
2	coins	The cost of investment coins is steadily increasing	To purchase collectible and commemorative gold coins, you need to understand numismatics
3	CHI	No account opening tax	Deposits are not insured
4	Exchange trading	Eliminates the issue of storing gold	It is not easy to find a reliable broker and a good trader

For more information, please refer to the relevant publication.

3. How to invest in gold - a step by step guide for beginners

So, you have firmly decided not to keep money under the mattress anymore, but to make it work for you. When you start investing, prepare yourself mentally: gold is a reliable tool, but there are risks in any financial transactions.

It is necessary to act systematically, soberly, reasonably.

Step 1. We assess the current financial condition and put our finances in order

The step is obvious, but I can’t not include it in the instructions. Any investment involves a preliminary assessment of their financial capabilities. Calculate your assets, including additional income, and compare them with liabilities.

If, for example, you have a mortgage or credit debt that takes 30% of your main income, you can hardly count on a significant amount of free funds. Overestimating your investment opportunities is the main mistake of every beginner.

But too much caution will not bring benefits. One dollar today is always more valuable than the same dollar tomorrow. To keep savings, they must be invested. This is how the economy works, regardless of the scale of available funds.

Step 2 We designate the goals and objectives of investment

Investments are not abstract. Having made a contribution, you need to know how much it will bring you and for how long. Decide on the goals and objectives of investing.

For example, you need to increase your funds by 50% within a year and a half to purchase a Peugeot 408 car. To implement such a plan, you will have to choose the most profitable and at the same time risky way to invest. Having achieved the goal, withdraw the assets from the game and buy a car.

Don't be greedy. The pursuit of superprofits often ends in ruin.

Step 3 We develop an investment strategy

There are many investment strategies. Study them beforehand. Let time be spent, but basic economic knowledge is the same capital.

Strategies are active and passive, long-term and short-term, aggressive and moderate, high-risk and vice versa. The choice depends on your goals, amount of capital and temperament.

Step 4 Determine the way to invest

I have already talked about the instruments of investing in gold. The choice is yours. Experts advise beginners with relatively solid funds to start with depersonalized gold accounts. The risks here are moderate, the profitability is quite predictable. The main thing is to open an account in a reliable bank, which is not in danger of ruin in the next 5-10 years.

Step 5 Choosing a company and investment program

Investments in precious metals are offered by banks, investment funds and other financial institutions. How to choose a reliable partner?

I offer several criteria for choosing a company:

• experience - ideal if the institution has been operating on the market for more than 10-15 years;
• availability of a functional website with interactive features and useful content for users;
• the number of investors;
• choice of investment instruments - the more offers the company has, the better.

The best option is to find an institution on the recommendations of acquaintances who have already received real income from their investments in this company.

Step 6 We submit an application and conclude an agreement

The next step is to contact the representatives of the company. If the company offers free consultation to clients, be sure to use this option.

Let the manager or consultant explain to you all the nuances and subtleties and help you choose the most suitable program.

Step 7 We deposit funds and get profit

It remains only to deposit funds and wait for the profit. The Internet allows you to check the profitability of investments at a distance. Start Personal Area and periodically monitor the status of your account.

4. Rating of companies for investing in gold - an overview of the TOP-3 reliable

To make it easier for readers to choose reliable companies for investing in gold, we have selected 3 of the most reliable Russian organizations working with precious metals.

Read, compare, analyze and make decisions.

The bank was founded in 1990 and is the oldest institution in the new Russia. One of the most dynamically developing banks in the Russian Federation, the industry leader and the strongest player in the financial market. The company's assets are estimated at 250 billion rubles. There are branches in 55 regions of Russia. The head office is in Yekaterinburg.

Included in the top 100 most reliable banks in the country. It occupies the highest lines in the ratings of independent organizations. The National Rating Agency assigned the bank the AA level - the highest degree of solvency and reliability.

The bank offers customers deposits in gold and silver. This is a good opportunity to earn income due to rising prices for precious metals. Consumers have access to time deposits in gold and demand deposits. Compulsory medical insurance is a guarantee of saving funds from inflation, plus the absence of problems with the storage, transportation and certification of the precious metal.

Specify the terms of investment deposits in gold directly on the site and by phone.

according to the Interfax agency. More than a million clients, 18 years of experience in the currency exchange and precious metals, 3 international licenses. The dealing center offers clients all the tools necessary for working on the stock exchange.

Gold trading requires special knowledge and skills, so beginners should take the help of experienced traders.

The reliability of Sberbank is evidenced by at least the fact that it is the oldest financial institution in the Russian Federation. The bank was founded in 1847. More than 70% of Russians are Sberbank clients and active users. The company has more than 17 thousand branches in 83 subjects of the Russian Federation.

Sberbank buys and sells gold bars of various weights, coins (investment and commemorative), offers customers to open metal accounts on the most favorable terms. The site has up-to-date price charts for gold, silver, platinum and palladium since 2003.

5. How to reduce risks when investing in gold - 3 useful tips

As I said, there is no investment without risk. But there are ways to reduce the chance of losing funds.

Read expert advice and don't forget to put it into practice.

Tip 1. Use various investment tools

In economic parlance, this is called diversification of deposits. It is wiser to divide the capital into several areas and thereby protect funds from a complete loss.

If one tool turns out to be suddenly unprofitable, then others will protect your investment portfolio from a complete collapse.

Tip 2. Objectively assess your financial capabilities

Invest only free funds - that is, those whose loss will not lead to a decrease in living standards. You should not invest in gold accounts if you have mandatory spending in the near future.