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The third way to invest is buying precious metal coins. Today, 2 types of precious coins can be distinguished - collection and investment. Collection coins are coins issued by the Central Bank of Russia on certain anniversary dates. such coins possess not only material, but also artistic value. The Central Bank has a special department, whose employees select various memorable dates in the history of Russia and develop coin sketches. These coins sometimes have their own denomination (it is reflected on the front side of the coin), however, as you know, no one ever gives or accepts them at that denomination - it would be strange to pay 10 rubles in a minibus for travel with a gold coin.
Therefore, collection coins are of interest only to specialists who can evaluate the possible increase in the value of such a coin in the future. The Central Bank of the Russian Federation maintains a special catalog in which you can familiarize yourself with all topics of Bank of Russia coins (http://www.cbr.ru/Bank-notes_coins/, section "Database on Commemorative and Investment Coins"). Popular topics for newly issued coins are memorable historical events in the past of our country, examples of its cultural heritage. Among the numismatists, the theme of the animal world is popular - this is an annual series dedicated to animals listed in the Red Book of the Russian Federation. Many collectors prefer commemorative coins of such series as “History of Russian Aviation”, “Diamond Fund of Russia”, “Monuments of Russian Architecture”. However, keep in mind that it is better for specialists to engage in collecting, so you should not start buying collection coins without preliminary preparation, especially since when buying collection coins you also pay VAT. However, if you are interested in gold coins, you can pay attention to investment coins. These coins have no collection value and the image quality on them is not the highest. Depending on the technological features of the minting process, coins are divided into two main classes: those executed in improved quality (“proof”) and in ordinary quality (“uncirculated”). Coins of “proof” quality have a mirror surface and a matte embossed image with inscriptions. Collectible coins can be purchased at commercial banks that sell them in sealed capsules. It is possible that you will want to open this capsule and touch the coins with your hands, however this cannot be done. Any touch on the surface of the coin can cause sweat microparticles to fall onto its mirror surface, after which it will become stained, and it will be much more difficult to realize such a coin. So far, we have considered ways to buy gold in kind (in physical form), however, banks are currently offering the option of cashless purchasing of gold.
Consider opening anonymized metal accounts (OMS). Such accounts are interesting in that you buy gold from a bank, but they are not issued to you in cash, but are shown on a special account. They conclude an agreement with you to open mandatory medical insurance, which will reflect the volume of your precious metal. When you decide to sell your gold, you simply sell it to the bank at the purchase price valid at the time of the transaction, and you will be paid in cash. For the storage of precious metal, even interest will be paid to you. Small - within 0.5%, but still nice, agree.
The advantage of mandatory medical insurance is the absence of VAT on the purchase and sale of precious metal, as well as the cost of renting bank safes. True, such a deposit does not fall within the scope of the contract on insurance of deposits of individuals, therefore, in the event of bankruptcy of a bank, you will only have to hope that the bank has enough funds and property to compensate you for your losses. now we can answer the question of the practical task posed at the beginning of the lesson. In the event that you want to invest your 18 thousand rubles. Precisely in precious metals, you better use a depersonalized metal account. This will avoid the payment of value added tax and the risk of loss of quality, as well as other additional costs when buying gold in physical form. Summing up, we note that gold is a cost-effective way of investing your savings, but when choosing it, you need to consider a number of features. First, buying any precious metal in physical form will require you to pay value added tax. An exception is the purchase of investment coins. Secondly, when buying gold products or bullion, you risk not being able to provide the necessary storage conditions, as a result of which their quality or theft may be lost. Thirdly, when opening anonymized accounts or buying electronic gold, you avoid the first two risks, but there is a risk of bankruptcy of the organization that holds your gold.
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