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In the text of the previous lesson, we examined an example with a gift of a sum of money for a birthday. As you remember, there it was necessary to direct 18 thousand rubles for savings. Let's determine which of the methods of saving in precious metals will be the best in terms of taxation and subsequent preservation. gold has always been considered a very good store of value. And the dynamics of its price in recent years only confirms the generally accepted opinion. Judge for yourselves, from January 2000 to November 2016, the accounting price of gold set by the Bank of Russia increased 3.75 times from 701 rubles. 35 kopecks per gram up to 2632 rubles. 80 kopecks per gram. However, it should be remembered that gold is most often considered as long-term savings, you can hardly get significant income from the purchase of precious metals for a period of several months, or even 1-2 years, since their price is subject to significant fluctuations.
In addition, investing in gold is necessary wisely. Buying gold earrings, bracelets or rings has nothing to do with investing in precious metals. The reasons for this are discussed below. A citizen of our country can acquire precious metal in several ways. The first way is to buy gold or silver jewelry. You can usually buy jewelry at jewelry stores. The purchase of such products on hand is not the best option, since the seller in this case will not be able to guarantee the authenticity of the metal from which the goods are made. But even if you purchase jewelry in a store, you cannot be congratulated on a good and all the more reasonable investment. The fact is that in the cost of jewelry the cost of metal is from 60 to 75%, everything else is the value added tax, the cost of manufacturing the product, other expenses of the jewelry factory and jewelry store. Imagine that Natalya Alexandrovna decided to purchase a gold bracelet worth 34 thousand rubles. and weighing 10 g. Several years passed, and Natalya Alexandrovna decided to sell her treasure to a jewelry buyer. When the buyer examined and weighed the product, he offered Natalya Alexandrovna an amount of 24 thousand rubles.
How so? - you ask. Natalia Alexandrovna asked the buyer in exactly the same way, to which he replied that the price of gold on the market is now 2,400 rubles. per gram. The price has risen slightly in recent years, but in any case, none of the city’s buyers will offer Natalya Alexandrovna the initial amount of 34 thousand rubles. The problem is that for the remaining 10 thousand rubles. accounted for VAT (value added tax), which is levied on almost all products, jewelry store margins and other expenses. Natalya Alexandrovna, of course, was very upset, but she couldn’t do anything anymore and handed over her jewelry for 24 thousand rubles. remember this situation and remember when you will be offered to purchase a beautiful ring as a profitable investment. Money spent in this way will only bring you losses. if profit is possible, then only after many, many years, and it will be minimal. remember: buyers usually buy jewelry at the price of scrap!
The second way to invest in precious metals is bullion. Many banks today offer their customers bullions of different weights - from 1 g to 1 kg, for how much money you have. Standard gold bars, which are very often shown in films, weigh 11.3 kg. The cost of acquiring gold bullion is less than the cost of acquiring jewelry of the same mass, but there are still additional costs - this is 20% of value added tax (VAT) and 2-3% of the bank’s margin. Yes, and you will have many problems with the storage of gold bars. The fact is that banks, as a rule, redeem precious metal bullions purchased at their own offices and stored in their safe deposit boxes.
Consequently, you will have another cost item - the cost of renting a cell. It is not worth storing precious metals at home for several reasons: a) it is unlikely that at home it is possible to achieve the same level of security as in a bank safe; b) for the storage of precious metals, a special microclimate is required, eliminating high humidity or contact with organic substances (for example, sweat); c) banks most often refuse to accept precious metals from their hands, since the examination of the authenticity of the metal is too expensive and the risk of fraud is high. if you decide to still buy a gold bullion, please note that when the bullion is sold back, the bank will pay attention to its general appearance. It should not have spots, scratches and chips.
TO BE CONTINUED…
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