As a result of inflation, money loses its value. Therefore, money needs to be invested. A bank deposit does not bring high income and is not efficient. You can save and increase your capital by investing in an impersonal metal account.
A contribution to OMS allows an investor to keep money not in rubles, but in grams of some precious metal. As a metal, you can choose gold, platinum, silver or palladium. At the same time, the investor will not see the metal itself. An account is opened in the bank for accounting for precious metals in an impersonal form. The contribution indicates the number of grams of purchased metal without specifying the sample, manufacturer and number of ingots. Thus, the depositor owns the valuable metal and does not think about its storage.
Just as when buying currency, two prices are set for precious metals. These are the purchase price and the sale price. Profit is based on changes in currency quotes. If the price of the metal rises, the investor will make a profit. If the rate falls, it will receive a loss. Therefore, this investment method is more risky than a regular bank deposit. To make a profit, it is necessary that the cost of the metal when sold at the bank is higher than the price of your purchase.
The price for precious metals changes every day. If you make a correct forecast, you can get a good income. The contribution to the CHI is a long-term investment and must be made for at least one year. Therefore, before buying, you must be sure that this money will not be needed in the near future.
To make the contribution to the OMC as profitable as possible, you should choose a bank in which the difference between the purchase price and the sale price will be minimal. Typically, the value of the metal is billed in dollars per ounce. But you need to track the dynamics of price changes in rubles per gram. Since the purchase is carried out in rubles. Even if the price of metal declines in dollars, this does not mean that the metal is getting cheaper. Because the dollar exchange rate is also changing. And it may be that the price of metal in dollars remains stable, while the exchange rate for the dollar itself is decreasing, respectively, and the price of metal in rubles will be lower.
Benefits of the CHI contribution:
- If there is an urgent need for funds, then you can cash the OMS as soon as necessary.
- When selling precious metals, there is no need to pay value added tax, unlike the sale of bullion.
- The minimum threshold for opening a deposit.
- There is no need to think about the way of storing precious metal.
- Higher income than a bank deposit.
The disadvantages of compulsory medical insurance include:
- The OMS contribution does not fall under the law on deposit insurance. Therefore, it is necessary to open a deposit in a reliable and reputable bank.
- In case of urgent withdrawal of funds, during the drawdown of the value of the precious metal, the investor receives a loss.
Diversification of funds is the main rule of the smart investor. Use different financial instruments. This will reduce risks and increase your passive income.
