Friday, January 11, 2019

Investment coins: make a profit from the money.

You can write a whole book about how to invest money to save them and get a stable income. However, we have only a small article at our disposal, and therefore we will focus on one of the quite promising types of investment - investing in investment coins.

Investment coin is a topical means of investing capital for almost 20 years: during this time it has been included in the turnover of most large banks. This investment instrument is a coin of a certain nominal value issued by the Central Bank (1,5,10,50 or 100 rubles). However, its real price and value are related to the content of precious metals in it: gold and silver. The cost of such a coin on the market changes according to the exchange rate of these metals, which, importantly, continues to grow even in times of crisis. Another advantage is the possibility of sale !! without intermediation of financial institutions, except for the bank. It is worth noting the availability of this type of investment: for example, as of February-March 2015, the cost of the silver coin "George the Victorious" is 1,200 rubles, which is quite affordable for the majority of Russian citizens.

One of the varieties of investment coins are collectible coins. Their purchase and sale began to be viewed as an investment instrument relatively recently: until 2011, operations with them were subject to VAT, which minimized possible profits. However, now the same rules apply to them as to investment coins, and it is impossible not to note certain advantages of this type of investment: first, the value of such a coin is not tied to the precious metals rate, but is determined by the circulation, composition, subject, preservation and prevalence that brings it closer to antiques, so stock prices do not affect its value. Moreover, interest in these coins can be caused not only from a financial point of view: some collectors are ready to pay an inflated price to complete their collections with the missing copy.

But it is also worth understanding that only experienced coin collectors will be able to extract real profit from collectible coins, and asking for professional help for one of them can cost a considerable amount and negate even the profit from a successful transaction.

There are pitfalls in the turnover of ordinary investment coins: first of all, the difference in the buying / selling rate. Therefore, it is not profitable to play on the difference in rates, selling and buying investment coins. This makes the coin a long-term investment. But in this case it is necessary to resolve the issue of storing coins: if the money can be deposited in the bank as a deposit, the coins are a physically expressed object and the bank will charge a certain fee for storing them in a dedicated bank cell, while storing them in an apartment may be risky, especially if it becomes known to your friends, and from them - to third parties. Moreover, freedom from paying VAT does not mean that the proceeds from a competent investment of funds are not subject to taxation.

In conclusion, we would like to note that any kind of investment is inevitably associated with risk, and investment coins are no exception. However, in the long run, they have been showing growth for more than a year than people who are prone to long-term planning. And if in a crisis period you do not wish to stop the movement of your capital, then investing in investment coins is a completely relevant way.