OMS yield over the past three years. The yield of impersonal metallic accounts. OMS management strategies
Over the past two or three years, Metal bills of VTB 24 have become particularly relevant. This service has its own characteristics that should be taken into account when making a deposit. "Metal" investments are not subject to insurance, so it is best to open similar accounts in reliable banks. VTB 24 - the largest bank RF, which is state Structure And has a great authorized capital.
Disconnected metal bills VTB
The most common contributions during economic crisis Investments and storage of funds are considered. They have identical conditions with classic deposit contribution in rubles. The main difference consists only that accounting is not in rubles, but in grams of metal.Metals are available for the discovery of OMS: silver, gold, platinum, and palladium. You can use Internet banking to manage your account.
Price (course) of metals for today - Dynamics on the past years
View Metal Accounts through Personal Account
If you have access to you can open and close the OMS, as well as view the necessary information in online mode.If you are more convenient to contact employees, here you can also get the necessary information and consultation of specialists.
Legal entities Can open a metal account in VTB signing documents. At the same time, the Investor Card must be notarized. This document must contain the name of the organization, the details of its bank accounts, copies of the main documents, etc.
As soon as the opening procedure of the metal account in VTB is successfully completed, the depositor will receive a document on the conduct of this operation.
Account maintenance in VTB 24
The main conditions for cooperation between the bank and the client are prescribed in the contract. Any accounts on accounts are subject to the Commission, the size of which will depend on the type of metal, the type of deposit, etc.Conclusion
When opening a metallic account VTB 24, it is important to remember that it will not be possible to instantly enriched. For a tangible income, you will have to wait a few months or even years. In spite of this, this species Investments does not lose their popularity.What is OMS?
This is such an account that opens in a jar in order to take into account the movement of metals in an impersonal form. It also reflects the metal in grams without installing any individual accepts, such as: sample, serial number, the number of ingots, manufacturer, and others.
Another wonderful factor in working with OMS is the dynamics of changes in the OMS quotes - it is always positive. Additionally, operations are carried out on their attraction and placement. Usually, such an account is conducted in any one precious metal, for example, silver, gold, palladium or platinum.
Benefits
- In an impersonal form during the sale and purchase of precious metal VAT, there is no VAT;
- The cost of precious impersonal metal does not include costs spent on the manufacture of ingots themselves, transportation and storage;
- The total account of the entire metal is carried out by the bank, therefore the risks associated with the loss and other force majeures assumes the bank;
- With relative stability, it is much easier to cash out an impersonal metallic account, it is not liquefyful to try to sell ingots. After all, when selling ingots, you will need to check the mass, integrity and authenticity of the ingots and prove these parameters to the buyer.
disadvantages
- Usually, interest is not accrued to the remains of precious metals;
- Cash for OMS do not fall under the law on deposit insurance against individuals;
- The investment insurance guarantee is not issued to account data. That is, you always risk losing some of the funds, in the case of the closure of the bank, some of them will be returned to you by the insurance company, the remaining part will be lost for you;
- It is important to remember that the sale of metal is possible only after submitting the declaration of income and payments from income tax profit.
When going to open your OMS, you probably ask yourself questions:
- In which bank is it better to open OMS?
- Which metal is better to invest now?
- What is the yield of OMS, is it profitable to open it?
- Where can I see Courses for OMS?
Since the OMS does not apply to the system of guaranteeing the contributions of citizens, then, of course, the Bank needs to choose a reliable, which will not go bankrupt. This may be one of the major banks, such as Sberbank, VTB 24 or Bank of Moscow
You can invest your funds in OMS not only in gold, but also silver, platinum, palladium. In addition, gold, silver and platinum have high liquidity as jewelry.
However, some metals in the short term have greater instability. For example, last year silver fell by 35%. Gold is the most stable metal, so in inexperienced depositors are recommended for investment still choose gold.
Where to watch the dynamics of quotations for gold?
If you have already chosen, in what a precious metal Attach your funds, for example, in gold, which, the forever it is in the first place among investors, then you will certainly be interested in the dynamics of changes in the OMS quotations.
You can always see the official quotes for precious metals on the website of the Central Bank of the Russian Federation.
However, if you have already chosen your bank and opened your OMS there or you are going to open, then quotes are definitely you need to look at the official website of your bank.
For example, you decided to invest your funds in Sberbank OMS. Then, on the official Sat website you can see the dynamics of changes in the OMS quotations, do not forget to pre-select your city, because the OMS rate in Sberbank differs in the regions.
And, of course, it will be interesting for you to take advantage of such a service as the OMS profitability calculator, because you can independently calculate the yield of your OMS and see the result on the schedule. You choose the period, representing that you have already opened in the past OMS and choose a metal mass.
Thus, you can decide how much tools yourself and for what period it is beneficial to put in OMS, for what time the time speaker will be positive.
A similar service for calculating the yield of OMS has and VTB 24 on its website. On the website of the bank of Moscow there is a table of indicative precious metals, where it is fashionable to see their quotes today.
OMS and Savings Bank
OJSC Sberbank Russia is actively working with impersonal metal accounts. This bank Offers its customers to manage and discover the OMS of accounts in palladium, gold, silver and platinum. Course OMS in Sberbank is always stable.
Gold OMS in Sberbank has advantages over other metals. Silver OMS is in less preferred positions. Closes the Rating of the OMS Palladium and platinum.
Sberbank Online
Internet banking Sberbank online is a wonderful opportunity to manage all your accounts to perform various operations remotely and independently, without the need for a physical visiting, a branch of the bank. You can do these operations and receive any information at any time of the day and night.
Also at your service complete information of the products you used and the design of new services and products without unnecessary bureaucratic surveys.
In Sberbank online, you can carry out various translations of more than 18,000 recipients, make various payments. Also available to you Calculator profitability OMS Sberbank online.
You are available to the following operations with OMS accounts:
- Purchase / sale of precious metals. Disclinished accounts in an impersonal form;
- Obtaining full information On the current residue of precious metals on the account and the detailed extract of information on all operations in the account.
At the same time, the connection of the Sberbank system Onlanine is free, moreover, you do not need to make a monthly subscription fee.
Bank of Moscow
The following services for working with impersonal metal accounts are ready to offer you a bank of Moscow:
- Opening of current impersonal accounts in gold, platinum, silver and palladium;
- Purchase / sale of gold ingots with a denomination: one, five, ten, twenty, fifty, one hundred, two hundred fifty and five hundred, and finally, 1000 grams. The probes of these ingots is 99.99%.
The contributions of the OMS in the Bank of Moscow is very simple. An impersonal metallic account is necessary for performing any operations with impersonal precious metals. Disclinished precious metals do not have any instructions on the sample, manufacturer or serial numbers.
OMS in the bank of Moscow is profitable and convenient. The impersonal metallic account can be opened in any branch of this bank.
When opening this account, you have the following features:
- buying OMS for rubles of the Russian Federation;
- sale of OMS for Rubles of the Russian Federation;
- cashless translation of your precious metals from one OMS registered in Moscow to another registered in the same bank;
- removal of gold and silver OMS in the form of bars in any branches of the Bank of Moscow equipped with special weights;
OMS operations in VTB 24
OMS VTB24 is convenient and just for a number of reasons. VTB24 offers at your service opening of an impersonal metal accounts In silver, gold, palladium and platinum. In VTB set minimum threshold Page sales of precious metals. For silver - 1 gram; For platinum, palladium or gold is one tenth grams, without a reduced minimum residue. On the residue of precious metal on an impersonal account.
All operations with metal on dischanter accounts are carried out without the physical delivery of metals data, VTB24 does not issue coins or ingots in physical form. The term of the contract for impersonal metallic accounts is not limited.
Accounting operations are carried out in accordance with the tariffs of the Bank.
The storage of funds for OMS does not affect the law on insurance of deposits of individuals, respectively, they do not apply to the guarantees of the deposit insurance system, which is a participant of VTB24.
1. Where can I open an impersonal metallic account?
The impersonal metallic account can be discovered in the branches of the bank authorized to work with an impersonal metal. The list of branches of the bank can be clarified on the website or directly in the branches of the bank. Currently, the impersonal metallic accounts open over 8,500 branches of the bank, over 500 of them work with a physical metal.
2. In which metals is possible opening of impersonal metallic accounts?
The discovery of impersonal metallic accounts is possible in 4 types of metal: gold, silver, platinum and palladium.
The Bank establishes the quotes for the purchase and sale of precious metals in an immense form, taking into account the current accounting prices for precious metals established by the Bank of Russia, the situation in the domestic market of precious metals, as well as fluctuation trends current prices In the global market of precious metals.
5. In which units is an impersonal metallic account?
The impersonal metallic account is conducted in the grams of precious metals.
6. Is the minimum value established for performing operational metallic accounts?
Purchase and consumables with gold, platinum and palladium are carried out in grams with an accuracy of 0.1 grams, with silver - up to 1 gram.
7. Is it possible to make profitable and expenditure operations on impersonal metallic accounts in other branches of the bank?
The ability to make profitable and expenditure operations in branches of the bank, not at the opening of the account, depends on the technical possibility of a particular branch of the bank. This information must be specified at the time of opening an account.
8. What maximum and minimum amount Maybe stay on an impersonal metallic account?
The minimum amount on the account is "0", the maximum is not limited.
9. Is it possible to perform the transaction transactions between impersonal metal accounts?
The operation of translating an impersonal metal is not provided.
10. Are there age restrictions for the opening of impersonal metallic accounts?
An impersonal metallic account can open:
- adults, i.e. reached 18 years - on the basis of a certification document;
- the legal representative of the child (parent, adoptive carrier, trustee) addressed to a minor who has not reached a 14-year-old age - on the basis of:
- parent - upon presentation of the child's birth certificate (if the child is not entered into the passport);
- guardian - upon presentation of the document of the guardianship and guardianship authority on the appointment of a guardian or a certificate of a guardian issued by the body and guardianship authority;
- the capable minor at the age of 14 and 18 opens independently, but with the written consent of the legal representative. "
11. Who can make operations on minors?
- under the OMS of a minor before he was 14 years of operation performs a legal representative. To complete the expenditure operations, the legal representative should also submit a written preliminary permission of the guardianship and guardianship authority.
The commissioning of OMS operations of a minor to 14 years by other persons is possible on the basis of a notarized power of attorney issued by a legal representative of a minor, and, when performing expenditure operations, a written preliminary permission of the guardianship body and guardianship.
- under the OMS of a minor aged 14 to 18 years of operation performs a minor himself, but with the written consent of the legal representative, compiled upon his personal appeal structural subdivision Bank in the form of a statement on a separate sheet of paper with an empty of signature and dates, or on the basis of a notarized consent of the legal representative.
The commissioning of OMS of a minor at the age of 14 to 18 years old is possible on the basis of a power of attorney issued by minors with the written consent of the legal representative decorated notaries.
12. Is it possible to make a power of attorney for the disposal of an impersonal metallic account?
Power of attorney to be able to dispose of an impersonal metallic account must be notarized.
13. Imprigised metallic accounts are insured in the Deposit Insurance Agency?
Today in banks a lot of suggestions to attract deposits: currency or ruble, in precious metals or investment. Each depositor in the account. To invest right cashYou need to explore information about each product.
OMS or impersonal metallic accounts. This name appeared, because in addition to grams nothing is specified. You can not learn a series of batch, trial number, manufacturer's country and other parameters. The grams and type of precious metals are known. Investments in impersonal metal accounts are carried out according to the courses of gold, silver, platinum and palladium. Opened accounts in banks.
OMS in Sberbank
Sberbank's impersonal accounts can open any depositor. Perhaps design and on a minor.
Interesting:
By purchasing gold for 3000 per month, for 12 years, you can accumulate 2 million rubles. The tariff can use the parent or guardian, and from 14 years old is the child himself.
Quotes are the most important criterion for the selection of the bank. Each depositor wants to benefit, so it is worth studying the market of precious metals. Watch the quotes central Bank it makes no sense. Information may differ significantly from numbers in the selected bank. See the dynamics and quotes where you are going to make an attachment.
On the official website of the bank you can view graphics. They show curves for metals. According to them, it is possible to observe how much cost increased. There is a calculator on the site where you can calculate the yield from the attachment. Quotes are usually growing, so engaged in attracting and accommodating OMS favorably. OMS quotes in Sberbank today can be found in the nearest branch, hot line or on the site.
Pluses of OMS in Sberbank
- Contributions to the OMS bring income to its owner, due to the rise in prices for precious metals;
- Preservation of metal grams;
- Reliability of OMS, with financial crises and inflation;
- Many operations with a score are free;
- Great demand for goods, which allows you to sell in a short time;
- In 2003, a law was adopted about the lack of state protection, such contributions. Sberbank - reliable bankSo it can be trusted.
Minus is a metal output tax, it consists of 18% of the amount. But bill benefits overlap the minuses. Analysts report that gold will continue to grow to emergency decals in the economy, unlike silver. Silver will remain at a certain level, and perhaps even rushing down.
OMS or Contribution
Deposits in monetary equivalent are beneficial in troubled periods. Due to their reliable insurance by the state. And the impersonal accounts in Sberbank is better to open in a quiet time, and the Bank will be able to give a payment guarantee. Visual example It was recently: the dollar rate jumped sharply with a heavenly economy, and the growth of metals became insignificant.
Remote control of metal accounts is in development, and you can manage in deposits anywhere in the world.
The benefits of percentages and quotes should be considered for each separately. One thing is important if you need long-term relationship, it is better to choose a metal. This is more profitable.
How to open OMS in Sberbank
First you need to decide on the metal of the attachment. Examine its growth trends. Next you need to open an account. This can be done in the office (not every office works with metals, you can clarify the hotline) or on the online application via the Internet (it is impossible to invest metal, only money).
When visiting the office, you will need:
- Passport;
- Metal or cash;
- Documents for metal.
When online applications need personal Area on Sberbank website.
Personal experience
When I had a desire to make a profit, I began to study the proposals of banks. Having learned that such deposits are not protected, the choice immediately fell on Sberbank. Next you need to choose a metal. I read about them I realized that gold, unlike others, does not reduce its value. Its price grows or stands still and is very rarely reduced. But this decline is insignificant. So now I use OMS. While I get to earn.
By entering into an agreement with the bank on the storage of metals, learn all the nuances. Consider the benefits for you. Go to consult in Sberbank. Watch out the alloys market. And already with confidence, open the bill. Big, you, arrived!
OMS is an impersonal metallic account, which is equivalent to a particular precious metal (platinum gold, palladium, silver), which belongs to the client and is calculated in grams. At the same time, its individual features are not indicated (serial number, sample, the number of ingots, their manufacturer). Sberbank of the Russian Federation makes it possible to open a personal OMS account on gold and receive a certain income, playing quotes. The principle is almost the same as on stock market.
Features of an impersonal account
The discovery of OMS for gold and other precious metals has a number of features. Firstly, investment in gold can be considered the most convenient option Saving funds from inflation, since precious metals have high liquidity. Secondly, the investor does not pay for the storage of metal, since the "physically" gold investor is not transmitted. Thirdly, the acquired asset will not depreciate due to poor condition, which does not rarely happen to coins and ingots. Due to the fact that the OMS is becoming more popular, Sberbank does everything to buy and sell metals on it as simple as possible and is available for investors.
The main advantage of the OMS is the lack of the need to pay VAT as when buying a "physical" gold.
Investing in such accounts have a number of advantages:
- The purchase procedure for the sale of gold passes almost instantly;
- When conducting financial transactions on OMS with precious metals there is no VAT;
- Opening and maintenance of an impersonal account is free;
- OMS can be issued at third parties, including on minors;
- If desired, the investor can get gold or another precious metallon, which was opened, in the ingots. True, it should be borne in mind that in this case the VAT is charged in the amount of 18%;
- The cost of non-cash gold does not include costs for the manufacture and storage of ingots and their transportation.
Given all these advantages and advantages, you can make the following conclusion - an impersonal gold acquired through Sberbank today is considered a worthy alternative game in the stock market. But besides positive moments, the discomposed metallic accounts also have a number of minuses.
Individuals receiving income on OMS operations must independently calculate NFFLs and to pay it. At the same time, it should be aware that the income obtained by the impersonal metallic accounts, which are owned by the individuality of more than 3 years of NDFL, are not subject.
Such accounts are not included in the state program of deposit insurance.
Not all branches of the bank have the technical opportunity to open an OMS account and implement financial transactions with them.
How to open OMS in Sberbank
Before opening the OMS, you need to decide on the bank. For this type of investment, only the most reliable financial institutions. Otherwise, the investor can lose his savings. For example, when recalling a license bank or its bankruptcy. That is why most depositors choose Sberbank and Gazprombank (the second most popular accounts) in order to open a metal account on gold or other precious metals. To do this, provide a passport and INN in the office of the bank or its branch.
After that, the depositor concludes an agreement with the Bank and acquires cashless gold at the established rate, which established Sberbank at the time of the transaction. At the same time, it is necessary to take into account that Sberbank's course is established depending on the quotes of the Central Bank of the Russian Federation and the dollar course, as well as taking into account the situation in the global market of precious metals. It is recommended before opening OMS in one or another precious metal, to pre-examine their quotes and price dynamics.
If you have any questions, everyone has the opportunity to refer to a highly qualified and experienced online consultant who will provide the whole of the most necessary information. In addition, he can help pick up for you the most suitable optionHow best to invest your cash.
Disclinished metal accounts, as well as deposit, there are two types - urgent and demand. The first option involves deposits under a certain interest rate and for a specific time, at the same time interest are accrued in grams, and the shelf life of gold on OMS is prescribed in the contract. In its early termination, interest is not paid. This type of contribution is more suitable for long-term investment.
When making an OMS to demand, it should be borne in mind that this type of contribution is interest-free, and the income is formed only by increasing the cost of gold or another precious metallol (in which an impersonal metallic account is opened). This method allows you to quickly respond to oscillations of quotations and instantly fix profits by buying or selling precious metal. This option choose investors who prefer a speculative strategy.
What you need to consider when opening an account
Opening an impersonal metallic account, it is necessary to clarify the following points:
- Types of available contributions;
- Minimum and maximum deposit placement period;
- The size interest rate (if an urgent deposit is planned);
- The magnitude of the spread;
- Minimal weight of acquired gold or other precious metal;
It should be known that all silver operations are made up to 1 gr., And with gold, with palladium and platinum - up to 0.1 gr., Therefore, the minimum deposit amount can be 0.1 grams. Disclinished gold on the day of the transaction. The cost of an impersonal gold today in Sberbank of Russia is: buying - 2219 rubles for 1 GR / sale - 2477 rubles.
We should also not forget that the OMS rate may differ by region.
Sberbank of the Russian Federation provides its customers with the opportunity to use the yield calculator. This is a fairly convenient service, with which you can easily calculate the profitability of your impersonal metal account. To do this, you need to go to the Sberbank website, choose the type of precious metallol, its mass and deposit period. The result is displayed as a graph.
OPE can also be opened through the Sberbank program interface online.
You can manage your OMS account in Sberbank with the help of the Internet service - Sberbank-online, which allows you to exercise it as fast as possible and comfortable.
Summing up the foregoing, it can be concluded that the OMS, open to gold in Sberbank of the Russian Federation, is a completely reliable way to maintain its savings from inflation, and with the correctly chosen strategy also to increase them.
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