Investment in investment coins. How to make money on coins from precious metals. Do not trade for trifles

It is possible to achieve great success only under the condition of a stable increase in capital. Almost everyone does this, just in a different way. The most convenient way is to invest in promising areas in order to extract maximum income. This allows you to receive an almost passive capital gain, and one of the popular methods is investing in coins. To achieve the desired result, it is necessary to understand the specifics of this area, clearly understand the risks, advantages of investment coins and build a clear strategy of action. This is what will be discussed next.

Features and concept of investment coins

Currently, there are many different coins that have a high value, exceeding millions of rubles. However, they are collectible.

Investment coins are made from precious metals and are purchased with the aim of obtaining further benefits by increasing the price of gold or silver. Their cost is as close as possible to the metals from which they are made. This is achieved through a simple appearance, lack of features and complex elements. In addition, they are produced in large numbers. All these factors make them absolutely useless for numismatists. They are made with one purpose - to provide an original and convenient investment opportunity. Conducting a deep analysis, it becomes clear that the purchase of such coins resembles a process and has much in common with and in the long term allows you to get a similar income.

Investment coins, unlike collectible coins, are primarily valued not for their beauty, rarity and historical significance, but for their precious component. Their cost directly depends on the weight. The second factor is the technical condition of the product. For this reason, it is necessary to ensure careful storage and protect the object of investment from mechanical damage.

Terms of profit

Silver investment coins, like gold coins, are slowly rising in price. This is due to the financial stability of precious metals. On the one hand, this is a significant advantage, since it will not allow you to lose all your money. But in terms of profitability, this is a disadvantage, as it prevents quick resale and the achievement of goals.

In most cases, tangible income comes no earlier than three years later. An exception is the purchase of coins at a price decline and a sharp rise in price against the backdrop of economic factors. The likelihood of such an outcome is very low. Therefore, you need to tune in to the long term.

Examples of popular coins

Russian banks offer a wide selection of this kind of coins. Their number and range is constantly expanding. On the obverse, various images associated with memorable dates or great personalities can be minted. In addition, they have different weight and material of manufacture. It is the last two criteria that are key. Below are a few examples:

• Golden "Chervonets" produced in the USSR until 1982. Its total weight is 8.6 grams, of which 7.74 grams are pure gold.
• George the Pobedonosets, who appeared in 2006, when the supply of Chervonets began to come to an end. These coins have an almost identical mass of pure gold. The difference is in hundredths of a gram. Among investors, they are the most popular due to the optimal weight, and, accordingly, the affordable price list.
• Square coins dedicated to the 2014 Winter Olympics. The weight of pure gold can range from 7.78 to 15.55 grams. Their production ceased in 2013, so they are relatively rare.
• Judo-14. Gold coins weighing 1 kilogram. Accordingly, these copies have a significant value exceeding several million rubles.

In addition, there are many other options, the availability of which can be clarified on official websites and in bank branches. Investing in coins should be done with the help of banks. Individuals can inflate real numbers and offer fakes that are unsuitable for investment activities.

Positive sides

The high popularity of acquiring precious coins is due to a wide range of advantages that attract investors. The main ones are:

1. The compact sizes which are not delivering problems of storage. Small copies can be stored anywhere, including a home safe. This feature allows for easy transportation and hide the object of investment from prying eyes. For example, when buying gold investment coins, you can put tens of millions of rubles in a compact safe.
2. Practicality. These coins do not require care from the owner. Each of them is stored in a special capsule, which reliably protects against scratches, dents and other damage that may occur even with careful use. The shell has a transparent structure and allows you to view each element in great detail. Therefore, open the capsule is only in case of emergency.
3. Availability. To buy gold and silver coins, it is enough to have a passport and personal capital. The purchase is fast and hassle-free. It is worth noting that many people can purchase them, this is due to the presence of silver copies that have an acceptable cost.
4. Ease of sale. Getting rid of precious monetary units and returning your investment capital is very simple. Many banks are buying.
5. Relatively low probability of incurring investment losses. The fact is that the main material is precious metal, which always has a high cost and demand. In the worst case, you can return most of the investment. At best, investing in coins will give a significant increase in cash.
6. Aesthetics. This method allows not only to increase the available capital, but also to get aesthetic pleasure from beautiful high-value products.
7. There is no need to worry about the welfare of the bank. Purchased coins are handed over to the owner. Therefore, unlike metal and cash accounts, bankruptcy or liquidation of a bank will not cause problems for the investor and will not entail losses.

It can be added to the general list that all transactions with coins are exempt from value added tax, which is a significant advantage over other types of investments.

Negative sides

Before you put the entire budget into the investment business, you need to assess the risks involved. There are few drawbacks, but in some cases they can play a key role. First of all, it is worth remembering the following points:

1. You cannot be sure that precious metal coins will bring guaranteed profits. If the price of gold or silver goes down, you can incur losses.
2. Longevity. As practice shows, precious metals are stable and very slowly gaining in price. This means that such an investment needs to be made for the long term. Only then can you make a significant profit. The only exception is the instability of the market, accompanied by a sharp drop in prices.
3. Bank policy. All banks sell coins at the same price, and buy them for a few percent cheaper. This difference translates into certain financial losses for investors. Therefore, in order to receive income, it is necessary to wait for such an increase in the price of the metal, which can cover all costs and increase the capital of the investor.

These conditions indicate that investments in gold and silver coins should be made by those who are ready to wait a long time for a favorable moment for resale.

Investment stages

Investing money is a responsible step that requires an objective assessment and adherence to a clear algorithm of actions. The process of buying and receiving subsequent benefits from investing in precious metal coins can be divided into the following stages:

1. Definition of the budget. It is very important to analyze what kind of investment return can bring capital investments. For this, the amount of initial capital is indicated. It is worth noting that small investments will not be able to bring a tangible effect. This is due to the slow and insignificant increase in prices for precious metals.
2. Cost accounting. You need to understand that there is a difference in the cost of buying and selling. As statistics show, gold investment coins are more profitable in terms of resale.
3. Goal setting. Each contributor has a specific goal. This may be a rapid increase in capital or its preservation. In the case of coins, you need to understand that profit can come only after a few years, and its volume in the majority of cases does not exceed ten percent of the total investment. For those who hope to quickly increase their fortune several times, this method is not suitable.
4. Choice of coins. First you need to analyze and understand which metal for last years found a stable upward trend in value, and which fell in price. For example, if silver has been steadily depreciating for three years or remains at the same level, then silver bullion coins will not be the best object of purchase. However, there are exceptions when there is a sharp and significant price drop associated with temporary political factors. This allows you to catch the moment and make a profitable purchase. Such sharp drops are most often of a short-term nature and are accompanied by a subsequent rise in price.
5. Regular monitoring. When gold coins are purchased, you need to constantly monitor changes in value. This is the only way to control the situation and sell the investment object at the maximum price.
6. Buyer's choice. The most reliable buyer is the bank. In this case, the transaction is fast and safe, but the purchase price may not suit some investors. Individuals sometimes offer better terms and conditions that allow them to earn a large income, but there is a possibility of becoming a victim of fraud. When making private transactions, it is necessary to take care of both personal and legal security.
7. Grade. An objective determination of the cost can only be carried out by a specialist. The final price depends not only on the mass, but also on the visual condition. That is why you need to carefully store the jewel.

By following the above procedure, guided by the main recommendations, you can reduce risks and increase the likelihood of income.

No one is immune from losses, but it is worth making every effort to prevent this from happening, and investing helps to improve your financial condition. A few simple tips will help you with this:

• If the total value of the coins exceeds 250 thousand rubles, they automatically receive the status of ownership. Therefore, a sale within the first three years of ownership will incur a tax of thirteen percent. For this reason, it is advisable to invest for a period of three years or more.
• When choosing, pay attention to those copies that are produced in the smallest circulation. Subsequently, this can positively affect the cost.
• Do not open the protective capsule. Any scratches and deformation are reflected in the final cost, and therefore in profit volumes.
• Precious coins are recommended to be bought only in reliable places. Otherwise, there is a risk of acquiring a fake.
• When buying, you need to pay attention not to the total weight of the product, but to the mass of the contained precious metal.
• In different banks, the conditions for buying and selling may differ. Therefore, it is necessary to study all the offers and choose the most profitable.
• There is no need to invest during a sharp rise in precious metals prices. This will not allow you to generate income and will most likely lead to further losses.
• The decision to sell must be made quickly. Prices on the world market change every day, so there is practically no time to think.

In addition, you need to set yourself up for success and wait for the right moment. The right motivation and strategy is the first step to success.

Conclusion

Income from precious coins is achieved through profitable resale. This is a lengthy process that takes several years and requires constant monitoring of gold and silver price performance. It is advisable to make investments only for investors who have significant capital and do not seek to make a profit in a short time. In other cases, it is recommended to consider other types of investment.

Video lecture:

Investing in coins made of precious metals. All for and against

When visiting some bank branches, a beautifully illuminated stand with various coins and ingots catches the eye. Looking at this magnificence, many had the idea, what kind of coins are they, why are they needed, is it more of an aesthetic product or can you make money on it? Indeed, you can earn income on these coins, as well as save capital from depreciation. Despite this, coins are not purchased by investors in large volumes, since they have their own investment features. The desire of depositors is not only to preserve savings, but also to increase them.

Unfortunately, deposits now bring only nominal income, rather than real, since deposit rates are below the level of inflation. Based on this, people are looking for a stable and reliable source of savings and savings. Investment coins are one such investment option. They are available not only to large vip-depositors, but also to ordinary ordinary citizens with little capital, since the cost of one coin reaches an average of 8-30 tr.

What are investment coins?

These are coins made of pure precious metal. The most common items are made of gold and silver. Investors prefer to use them to preserve and increase their capital. In our country, investment coins are issued by the Central Bank in large quantities, have a simple pattern and are minted using a simplified technology. The denomination of a coin may differ from its real value, since its price is determined by the amount of metal spent.

Since 2011, coins have ceased to be subject to VAT, which increased their attractiveness for investment. You can buy coins in banks. The main distributor is Sberbank, selling over a million coins a year. Coins are sold in special capsules. This protects the coin from damage or environmental influences. Coin quotes are set on a daily basis. Up-to-date information about coins and prices is available on the website of the Central Bank in the "Coins and banknotes" section.

How to buy an investment coin?

The purchase does not present any particular difficulties or restrictions. To become the owner of a coin, you need to contact the bank branch, select the copy of interest, present your passport and conclude a purchase agreement. The bank has no restrictions on the number of coins purchased or the amount of the purchase. How and where to store the purchased coins, the buyer decides for himself. When storing, it is important to remember that the slightest defect or damage to the coin leads to a loss of its value or even a refusal by the bank to further redeem. There is also a spread between the buying and selling price - the difference. The principle is reminiscent of the exchange rate - sold more expensive, bought cheaper. So, having bought a coin for 20 tr on the same day, you can sell it back to the bank only at a discount.

You can buy coins not only in a bank, but in specialized companies. It should be said right away that the risk of acquiring a fake in the second case is greater. Experts recommend buying coins exclusively in banks.

The first investment coin is considered to be the African Krugerrand, issued in 1967. In Russia, the most popular coins are "George the Victorious" with a face value of 50 rubles. 2006-10 edition, "Chervonets" 1975-82, "Winter Olympic Games 2014", etc.

What is the essence of investing in coins?

In fact, metal is bought here. Someone will say that metal can also be bought in ingots. However, unlike bullion, which is subject to VAT, coins are an exception. It will also be easier to sell a coin than an ingot. Investment coins have high liquidity and will not lose their value over time. True, this investment is designed for the long term. Short-term investors should not use this tool. Investing in bullion coins is an investment in a precious metal that grows in value over time. It is important to maintain the original quality of the coin so that it does not become unprofitable for the investor.

Before buying investment coins, it is worth remembering that it is unlikely that you will be able to get income in the near future. To earn money, you will have to wait a long time, which is calculated in years. For a serious investment, you need to correctly analyze the state of the market and be able to predict its movement. The course of precious metals changes more slowly than we would like. The only way to quickly recoup the investment is to use an artistic or numismatic component. Some collectors are willing to pay a decent amount for missing coins in their collection. On well-chosen coins from limited collections, you can get a good profit in a couple of years. The main thing is to be able to understand what will be valued by numismatists in the future.

How to store coins?

To profitably sell a coin, you need to save it well. Since the shelf life sometimes reaches several years, it is worth taking care of the storage location. It can be a closet or a safe, dry, without direct sunlight, without sudden temperature fluctuations, without the presence of chemicals. All this can ruin the coin, for example, the metal can enter into a chemical reaction. Of course, the coin should not have mechanical damage, chips, dents. Usually coins are sold in specially prepared capsules that protect from external influences, so you should not take them out.

The crisis continues to bring unpleasant surprises, testing our patience and wallets. The problem of preserving and successfully investing one's funds has become more relevant now than ever. Sravni.ru will tell you about precious coins, how to buy and sell them, as well as how profitable their acquisition can be.

precious coins

Probably, many in childhood were engaged in collecting. Someone collected stamps, someone candy wrappers, someone car or aircraft models, someone lighters, and someone coins. Among the latter, rare items were most valued - commemorative and special issues that were out of use, as well as old money. Now collecting coins, unless you are a numismatist, is not only a hobby, but also has practical significance.

Any rare coin has its value. And, as a rule, a large denomination. In Russia, the first commemorative coins began to be issued at the end XVIII century. Naturally, they continue to produce them now. WITH 1996 years in our country coins for investment purposes appeared. They are made of precious metals, and their cost depends, first of all, on fluctuations in the price of the material from which they are made.

For such coins, unlike collection samples, there is no liquidity problem. They can be legally used as a means of payment throughout the Russian Federation. The most famous of them are the Golden Chervonets, the Sable silver coin, the signs of the zodiac, Moon calendar, Orthodox saints and gold coin"George the Victorious".

A very important advantage of investing in investment coins is that, in accordance with the Tax Code, transactions made with them are not subject to value added tax. Their circulation takes place at prices as close as possible to the value of the precious metals contained in the coins.

Here you need to pay attention to the fact that the Bank of Russia also continues to issue so-called commemorative coins. They are small artistic masterpieces and are intended primarily for collecting and gifts. As with any item, their value is highly dependent on the amount of their offer on the market. When issuing some coins in small quantities or under the influence of some specific factors, the value of coins begins to grow over time and can gradually exceed the initial investment by dozens of times. But not every issued coin can give such an increase in price, therefore, in order to invest in commemorative coins, you need to understand the numismatic market nuances well enough and be prepared that the return on buying coins will not appear in a few years.

Where to buy, where to sell?

There are many ways to buy or sell precious coins. The most reliable is to contact. Such operations are carried out by all territorial banks of Sberbank of Russia, both with commemorative and investment coins made of precious metals. You can also contact other banks. Commercial banks also buy and sell precious metal coins.

You can also buy or sell investment and commemorative coins via the Internet, as well as in an ordinary jewelry or antique store. But in this case, it is desirable to understand at least a little, as in numismatics, and be aware of modern prices for precious metals. The value of coins can be very different. For example, cost 1 silver ruble issue 1999 year with the image of animals can vary from 1000 before 15000 rubles, and gold coins of the Winter Sports series with a face value of only 200 rub. can be valued from 70000 before 80000 thousand roubles. Golden same George the Victorious face value 50 rub. can cost up to 15000 rub.

Beneficial or not?

The financial crisis, one way or another, has affected each of us, the issue of preserving and increasing one's own capital is more acute than ever. Many economists agree that gold and silver are one of the most profitable types of investments. Impersonal gold accounts show high profitability, and besides, gold does not stop growing in price on the world market.

Coins made of precious metals are a fairly specific financial instrument for investing. If you want to quickly increase your capital, then investing in precious coins is hardly good way do it. Commemorative coins are the best choice for long-term investments. But in this case, it is desirable to understand numismatics. The best option is to invest in investment coins in order to simply save and even increase your savings a little.

19.06.18 29 051 6

To make coins profitable

In order for the coins to make a profit, you need to collect an investment portfolio and wait at least five years.

Victor Tyurin

buys coins for income and for the soul

To invest in precious metals in Russia, you can open an unallocated metal account, or you can buy the metal itself, in coins or ingots. Last time I told, Now it's the turn for coins.

What are the coins

Coins made of precious metals are investment and commemorative.

Investment coins- this is, in fact, the state-guaranteed weight of the metal, issued in the form of a coin. The circulation of such coins is large, tens and hundreds of thousands, so they are not considered rare and they have little collection value. But they are easier to sell. For investment in precious metals, it is better to buy bullion coins.

Commemorative coins usually minted on the occasion of important historical dates. Usually circulations are small: from 100 pieces to 25 thousand. The main value is collectible. The price of commemorative coins depends mainly on the demand from collectors, so they are more difficult to buy or sell, and investing in them is more risky - but potentially more profitable.

Formally, investment and commemorative coins of the Central Bank of the Russian Federation are just coins. You have every right to pay with them in any store. True, they will accept them at face value, which is much less than the real value.

Coin quality

Investment and commemorative coins always look "smart", as they are minted on special equipment with high quality minting. Most often they are released in one of two states.

Excellent Condition, or AC - from English UNC, Uncirculated, - "were not in circulation." This is one of the most common coinage standards. In this state, investment coins are more often issued.

improved quality, or Proof, - when the surface of the coin becomes "mirror". This makes them even more attractive in appearance, but increases the cost. In this state, the Central Bank more often mints commemorative coins.

How to determine the value of a coin

Precious metal coins are not a currency, so there are no official rates at which they are sold or bought. To assess how favorable the conditions are offered to you, you first need to calculate the value of the coin. Most of all, it is influenced by two factors: the mass of the metal and the circulation.

The larger the mass of metal and the smaller the circulation, the more expensive the coin. The mass of metal can often be found on the coin itself, the mintage can be found in the reference materials of the banks or the mint that made it. Information on Russian coins published by the Central Bank.

For example, let's take the silver investment coin "George the Victorious" of 2017:

Metal: silver 999/1000. This means that the coin is 99.9% silver. This confirms the sign Ag 999 on the coin on the left.

Weight of metal: the content of chemically pure metal is not less than 31.1 g. The same weight is engraved on the coin. 31.1 grams is 1 ounce. According to international tradition, the weight of coins made of precious metals is a multiple of ounces.

Circulation: up to 500,000 pieces. This is a lot, so the first time the circulation will not affect the value of the coin. An asterisk near the circulation indicates that this is a plan, but how many will actually be minted is still unknown. If there is less than the plan, then the coin will become rarer and its value will increase.

Conclusion: silver coin "George the Victorious" - the Russian equivalent of 1 ounce of 999 silver. The accounting price of the Central Bank for silver as of March 13, 2018 is 30 rubles per 1 gram. The metal in the coin costs 31.1 × 30 = 933 R.

The Central Bank publishes selling prices for some investment coins. It is impossible to buy coins directly from the Central Bank at this rate - this is a guideline for sellers.

Selling price - 1166.25 R per piece. When the cost of the metal in the coin is 933 R, the markup is 25%.

"George the Victorious" is a simple example. We calculated the cost of the metal, found out the selling price on the Central Bank website, voila: everything that is more than the selling price is the seller's markup.

The cost of investment coins is relatively easy to calculate, because it is highly dependent on the amount of precious metal. With commemorative coins, everything is much more complicated: their value depends more on the circulation and popularity of the coin among collectors. For comparison: a silver coin "155 Years of the Bank of Russia", in which one ounce of silver 925, retail costs from 2250 rubles - an extra charge of 141%. And maybe 200, and 500% - and this depends little on the metal.

The Central Bank does not publish prices for commemorative coins. Therefore, if you are not an expert, it remains to focus on the prices of different sellers. It is easier to compare them in catalogs, for example, in the Find-coins catalog of commemorative and commemorative coins.

Here are some more resources with estimated coin prices.

"George the Victorious" on the site "Investfunds"
Gold coins on the Goldtraders website

How to choose investment coins

Investment coins are, in fact, bullion of precious metals, so there is not much difference between them for an investor. They are distinguished from ingots by the absence of 18% VAT upon purchase and the possible collectible value. It is usually small for investment coins, but there are factors that can increase it: for example, a small circulation or a popular theme. Collectors are more willing to buy sports or animal coins, and if the coin is also quite rare, its value grows faster than the value of bullion.

To increase the profitability of their portfolio, investors usually choose the most promising coins and buy several dozen. Let's look at investment coins on the website of the Central Bank and choose those that have a higher collection value.

"George the Victorious", face value 50 Р

Metal: 7.78 g of 999 gold.

Year of issue: 2006-2010, 2013-2015 .

Circulation: from 30 thousand in 2015 to 1.5 million in 2009.

Mint: MMD and SPMD.

Conclusion: it is most profitable to buy coins of 2015 minted at the Moscow mint. But 30 thousand is still a large circulation, and the coin has little thematic value. Most likely, the value of the coin will depend entirely on the price of gold.

Sochi 2014, denomination 50 and 100 R

Metal: 7.78 g of gold 999 for coins of 50 R, 15.55 g for coins of 100 R.

Year of issue: 2011-2013.

Circulation: from 100 to 300 thousand. Only the circulation of Leopard is known for certain. For "Mishka" and "Bunny" it may turn out to be much less.

Mint: MMD and SPMD.

Conclusion: coins have a high thematic value, because their release is timed to Olympic Games. It is most profitable to buy coins "Bear" and "Bunny" with the expectation that their real circulation will be less, and the collection value will be higher. It is already difficult to buy these coins.

"World Cup 2018", face value 50 Р

Metal: 7.78 g of 999 gold.

Year of issue: 2016 (2018 is on the coins).

Circulation: up to 100 thousand.

Mint: SPMD.

Conclusion:

Metal: 8.6 g of 900 gold.

Year of issue: 1975-1982.

Circulation: from 100,000 in 1978 to 2 million in 1977. In some years, circulations may turn out to be much less than declared. In addition, a significant part of the circulation has long been sold out.

Conclusion: these are coins of a disappeared state, so they have a high historical value. It is compensated by very large circulations. It is worth paying attention to the years of issue with minimal circulation: 1975, 1978, 1980 and 1982.

"Sable", denomination 3 Р

Metal: 31.1 g of 925 silver.

Year of issue: 1995.

Circulation: 1 million

Mint: MMD and LMD.

Conclusion: a very large mintage reduces the collector's value of the coin, so its price depends on the price of silver. Due to the popular theme, the coin has a chance to become rare, but it will take patience.

"George the Victorious", denomination 3 Р

Metal: 31.1 g of silver 999.

Year of issue: 2009-2010, 2015-2017 .

Circulation: from 18,205 in 2016 to 500 thousand in 2010.

Mint: MMD and SPMD.

Conclusion: it is most profitable to buy coins of 2016 because of the very small circulation for investment coins. The cost of the rest of the coins will depend entirely on the price of silver.

"Sochi 2014", denomination 3 Р

Metal: 31.1 g of silver 999.

Year of issue: 2011-2013.

Circulation: 300 thousand with each talisman. Only the circulation of Leopard is known for certain. For "Mishka" and "Bunny" it may turn out to be much less.

Mint: MMD and SPMD.

Conclusion: the coins have a high thematic value, because their release is timed to coincide with the Olympic Games. It is most profitable to buy coins "Bear" and "Bunny" with the expectation that their actual circulation will be less than expected. These coins are hard to come by.

"World Cup 2018", denomination 3 Р

Metal: 31.1 g of silver 999.

Year of issue: 2016 (on coins - 2018).

Circulation: up to 300 thousand.

Mint: SPMD.

Conclusion: the coins have a high thematic value, because their release is timed to coincide with the World Cup. Perhaps the actual circulation will be less - then the collection value will grow even stronger.

Not quite investment coins

It happens that investment coins are issued in relatively small circulations and they are rarely found on sale. For example, the Central Bank classifies the Russian Ballet series of 1993, the Signs of the Zodiac of 2002-2005, the River Beaver of 2008 and the History of Money Circulation of 2009 as investment coins.

Such coins have a collectible value significantly higher than the cost of the precious metal, therefore, from my point of view, they should be considered as commemorative.

How to make money on investment coins

Like other investments in precious metals, bullion coins are a conservative tool that only works well over distances of years and decades.

The value of coins is tied to the value of precious metals, and they can fluctuate in a narrow range for years without bringing any profit. In addition, the coin is difficult to quickly sell for the market price. Therefore, investing in coins works more as a store of funds than a tool for making super profits.

Let's imagine the simplest option. For example, in 2008, the parents of 8-year-old Pasha gave him a gold coin "George the Victorious" for his birthday, and then bought another one every year. For 10 years, they bought 10 coins for 132,500 R. If now Pasha sells all 10 coins, he will gain about 210,000 R. This is enough, for example, to pay for the 1st year of undergraduate studies at Moscow State Technical University. Bauman.

According to my observations, it is worth investing in investment coins for a period of 5 years or more. See how the possible profitability of the golden "George the Victorious" changes depending on the term. The charts are based on the approximate quotations of the Central Bank.

How to make money on commemorative coins

The cost of commemorative coins depends slightly on the price of the metal and strongly on the subject and circulation.

Subject. Popular themes are interesting for collectors different countries, so the coins are sold out faster. These are, for example, sports, animals, zodiac signs. Narrow themes are of interest to collectors only in some countries, so the demand for such coins is less. These are summits, anniversaries of cities, historical figures.

Circulation. The smaller the circulation, the faster the price of the coin rises. Ideally - 3-5 thousand pieces, if the subject is very popular - up to 10 thousand.

Let's see how the rise in prices for commemorative coins depends on the subject and circulation.

"Commander's blue fox", denomination 1 Р

Metal: 15.55 g of 925 silver.

Circulation: 10,000 pieces.

"Children's writer N. N. Nosov - 100 years since the birth", denomination 2 R

Metal: 15.55 g of 925 silver.

Circulation: 7500 pieces.

"To the 300th Anniversary of the Voluntary Incorporation of Khakassia into Russia", denomination 50 R

Metal: 7.78 g of 925 gold.

Circulation: 1500 pieces.

Of these three, the Commander's Blue Fox has the largest circulation, but the theme helps it out. In addition, the coin is included in the "Red Book" series - if the collector has already started collecting the series, he will have to buy the Arctic fox in addition.

It may seem that commemorative coins with small circulations or about animals are a win-win option that guarantees super profits. But everything is not so simple.

Due to the fact that the value of commemorative coins is loosely tied to reliable benchmarks, it can fluctuate more than the value of investment coins. For example, a gold coin "Andrei Rublev" with a face value of 50 R in 2008 cost about 40,000 rubles, and now - 28-30 thousand. Even the rise in gold prices and a small circulation of 1,500 pieces do not save the coin. It happened because at the start it was overestimated, and then the price became more fair.

Unfortunately, it is difficult to predict how the prices of coins will change. Therefore, the most reliable option is to buy coins of different subjects: some will bring super profits, others will work at the level of a bank deposit, and others will remain with their own. Then, in general, the portfolio can show a plus. But as with investment coins, for this you will have to wait at least 5 years - and preferably 10.

Antique precious metal coins

If you are an investor and not a professional collector, then it is better not to mess with old coins. All of them have been collectible for a long time - their value practically does not depend on the metal and only an expert can evaluate it.

Many factors have to be taken into account. For example, the state of the coin. The old coins were most likely in circulation, so there were scuffs and scratches on the surface. Many collectors will not be satisfied with this. And if the coin is suddenly in perfect condition, it may turn out to be a fake or a modern copy.

It doesn't mean that ancient coins never worth buying at all. It's just that it's not really an investment, it's more like a collection.

Foreign coins from precious metal

Many foreign countries mint coins from precious metal. Some of them can be purchased in Russia. Recommendations will depend on which coins we are talking about.

investment coins. Investment coins from Australia, Austria, Canada, China, the USA and South Africa are known on the market. Selling them in Russia is a little more difficult than Central Bank coins, but it is possible to deal with them.

Commemorative coins. Good as a gift. As an investment - very selective: only if the circulation is small and the theme is popular.

Souvenir coins. It happens that banks sell coins intended for gifts. Usually these are coins with recognizable symbols, such as weddings or the birth of a child. This is a great gift, but not an investment. How to evaluate them? Who will buy them later? It's like investing in key rings.

Which coins are more profitable

Let's see how the prices of various gold and silver assets have changed over the past 5 and 10 years. To do this, let's compare an impersonal metal account, ingots, investment and commemorative coins. The honor of investment coins will be protected by gold and silver "George the Victorious". As a gold commemorative coin, we will take "To the 300th anniversary of the voluntary entry of Khakassia into Russia", and a silver one - "Commander's blue fox".

For coins, the values ​​are approximate, because there are no official quotes. But if you focus on the most frequent purchase and sale prices, you get quite objective indicators.

For bullion, the prices are also approximate: due to bank spreads, the real purchase price is higher and the selling price is lower. But that's enough for the big picture.

The dynamics of prices for assets from precious metals

Gold

CHI

Investment coins

Commemorative coins

CHI

If you buy silver coins, then commemorative coins are better: they are cheaper than gold ones, so unpopular coins will bring less losses - when compared with silver prices. In addition, you can buy more different coins - some will shoot like a fox.

Investment coins are more reliable than OMS or bullion. Their collection value is small, but sometimes it is enough to soften the fall in metal prices.

Where to buy coins

Investing in coins is primarily an investment in precious metals. Therefore, you must be sure that the precious metal in the coin is real. If you buy a coin on Avito, you will have to find an expert or become an expert yourself - otherwise, under the guise of a gold piece, you risk buying a copper penny. In addition, you do not know how the seller stored the coin, so it may turn out to be scuffed and scratched. All this reduces its value.

VAT 18% - but prices will still be slightly higher on average than when buying coins from hand.

How to store coins

Investments in coins are designed for the long term, so a few words about how to store them. When there are many, it's better to trust safe deposit box or buy a personal safe. But while there are only a few of them, you can store them anywhere, the main thing is to observe a few simple rules.

Keep each coin separately for example in special plastic capsules. This will protect them from scratches. You can buy capsules in any store for collectors for 10-50 rubles. Often coins are sold immediately in capsules.

Do not touch the coins with your hands. A fingerprint on a metal surface can remain forever, and this will greatly reduce the sale price. It is better to touch the coins in cotton gloves, by the rib.

Do not store coins near household chemicals, cosmetics, medicines. We are talking about years, so the smallest thing can affect. For example, if there is a closed vial of iodine on the same shelf with coins, then dark spots may appear on the coins.

Don't be alarmed if the coins fade over time. This is a natural process that collectors refer to as patina development. Patina practically does not affect the value of coins. coins in best quality, Proof, you shouldn't touch it at all. Coins as AC can be cleaned with special cotton napkins for polishing metals. No household chemicals can be used to clean coins: the consequences will be much worse than the original patina.

Where to sell

Selling coins can be difficult, and this is the main problem with this type of investment. Banks and specialized organizations willingly sell them, but are reluctant to buy them. And if they buy, then at very low prices. Therefore, you will have to deal with the sale yourself.

In the article, we have already described profitable ways to sell coins. Let's recap the main points.

"Avito" and similar sites. Favorable in terms of price and coverage, but sometimes you have to wait a long time until someone is interested in your coin.

Online auctions for collectors, for example, Find-coins, Conros, Raritetus. The coverage is less, but there are more connoisseurs - it may turn out that one of them has been looking for your coin for a long time. These sites often charge commission.

Flea markets, shops for collectors- they are in almost every city. This is the fastest option, but often the least profitable. Inexpensive coins will be bought for 50-70% of the real price, and expensive ones will be taken for sale.

Take care of your safety!

Buying and selling coins are transactions with large amounts. If you are dealing with a stranger, no one but you will take care that this money is not taken from you. It is necessary to act as, only even more carefully.

Take care of yourself!

Remember

1. Precious metal coins are a long-term investment tool that shows a good income on the horizon of 5-10 years. If you are interested in shorter terms, then it is better not to buy coins.
2. Investment coins are cheaper, but commemorative coins can bring more profit.
3. You will receive profit only when you sell the coin. Therefore, buy only those coins that are in demand.

Investment coins are made of high grade precious metals, the main material is gold and silver. In Russia, they are issued exclusively by the Central Bank, and then sent to commercial ones, which sell them to buyers. Coins are valuable not only because of the precious metal, but also as a means of investment.

What are investment coins

These are products that are made mainly of gold and silver, although platinum, palladium models can also be based. They are minted in large quantities, so they usually have a simple pattern. Sometimes small defects are observed on the surface, which does not affect the value, since it is determined by the mass of the precious metal and its market price at the moment.

Each model must contain the following information:

• the name of the metal;
• his trial;
• exact weight (up to thousandths of a gram or more);
• year of issue;
• coin denomination.

The denomination is always indicated conditional - for example, 10, 50, 100 rubles. The selling price and sale price is determined by the market value of the metal. At the same time, the exchange rate is always set by the Central Bank for each day:

• gold today costs about 2600 r per gram;
• silver - 33 rubles;
• platinum - 1790 r;
• palladium - 1980

You can buy coins:

• in banks (Sberbank, Rosselkhozbank, VTB 24 and others);
• in specialized stores with the appropriate license;
• in online stores, for example, "Golden Mint";
• in pawnshops.

In stores, banks or on the website, you can always get acquainted with the full catalog of coins for investment. They indicate detailed information about the model, including the issuing country that issued the coin, as well as its parameters (diameter, thickness in millimeters).

Varieties of models

There are silver, gold, platinum and palladium bullion coins, with gold and silver items being the most common.

Typically, models are classified according to their purpose - there are investment and commemorative coins. The former are intended as a means of saving and increasing one's own funds, the latter are mainly used in private collections. Although with a good combination of circumstances, they can also be sold and make a big profit.

Classify models and depending on the quality of minting:

• uncirculated - standard quality;
• proof (proof) - high quality, such embossing gives virtually perfect products.

You can also conditionally divide coins into several groups depending on their masses:

• lungs (up to 4 g);
• medium (4-6 g);
• heavy (7 g or more).

From a practical point of view, heavy coins should be more interesting for an investor. The quality of the minting is not of fundamental importance, they mainly pay attention to the weight. As for the choice of metal, here you need to focus on the dynamics of rates. The most commonly invested in gold, the price of which is in a steady uptrend.

10 most popular coins of Russia

Today, both investment coins of Russia and products of foreign countries are available. The most popular coins that can be purchased in our country are described in the table.

title	issuing country	denomination	metal	weight of metal, g*	approximate price, rub
George the Victorious	Russia	50 r	gold	7,78	21500
		3 r	silver	31,10	1270
Bear**		100 r	gold	15,50	50000
Sower		10 r	gold	7,74	23100
FIFA World Cup 2018		3 r	silver	31,10	1500
buffalo bison	USA	50$	gold	31,10	85000
Year of the Dog 2018	Australia	1 Australian $	silver	31,10	2000
Lion of England	Great Britain	£100	platinum	31,10	73600
Statue of Liberty	USA	50$	platinum	15,55	40800
howling wolf	Canada	200 Canadian $	gold	31,10	85500
Vienna Philharmonic	Austria	100 euro	gold	31,10	87400

*In terms of the minimum content of pure precious metal

** Minted in honor of the 2014 Sochi Olympics.

How to make money on investment coins: 7 rules

It is possible to acquire and sell investment coins due to the advantages that they give to their owner:

1. First of all, they provide a real opportunity to at least save money, since precious metals are highly liquid. Products are easy to sell - for example, to sell to the same bank. Metal prices have a steady upward trend, so they provide an opportunity to protect savings from inflation.
2. If you buy and sell a product at the right time, you can earn substantial funds. However, profit is not guaranteed (unlike, for example, from a bank deposit), since the owner must have certain knowledge about the price dynamics.
3. The fact that since 2011 the Government of the Russian Federation has decided to abolish VAT (18%) on the purchase and sale of coins also gives an opportunity to earn money. However, this tax is still paid on the purchase of precious metal ingots.
4. It is quite convenient to store any model. A small product can cost several hundred thousand or million rubles. At the same time, keeping cash at home is not safe; a coin in this sense is much easier to hide.

However, coins, as a store of value, have a significant drawback. It is due to the fact that rates can fluctuate significantly, so you need to learn how to determine both the moments for a profitable purchase and for sale - often they have to wait several years.

Therefore, it is useful to know about the following rules for buying and selling:

1. First of all, it is important to determine the amount that can be invested. It should be no more than the one that the owner is theoretically ready to lose without damaging his budget.
2. The purchase of a small number of coins (2-3) will not bring tangible income, therefore, with a small amount of investment, it is better to choose another savings method (for example, a traditional bank deposit).
3. Significant savings can be achieved when buying a large batch of products - additional discounts of the order of 1.5-3% are provided.
4. It is not advisable to buy products that are small in size and weight (weighing less than 4-5 g), since the costs of their production account for a large share of the cost.
5. Before making a purchase decision, you must definitely decide on the metal. To do this, you should analyze the dynamics of the exchange rate over the past 5-10 years, as well as a short trend over the past six months, in order to choose the most appropriate price range.
6. One should also take into account an important regularity, which was determined on the basis of long-term observations. Only those models are purchased, the cost of which is closest to the rate of the metal (in terms of the corresponding number of grams). This means that if the price of a product differs from the exchange rate by more than 20%, it is better to refuse the purchase. Optimal value- within 5-10%.
7. After the acquisition, you need to choose a good moment for the sale. At the same time, it is advisable to sell the model only after it has been evaluated by a qualified specialist (usually appraisers work in large banks). Otherwise, there is a risk of selling at a deliberately low price. Such a moment can be expected for several months, years and even decades. In this case, preferably 3 years after the purchase, because in this case there is no income tax of 13%. However, if a very successful situation arose, this advice can be neglected - it is important to accurately calculate profits and losses.

Basically, investors choose between silver and gold. Silver investment coins are significantly cheaper and can change in price quite quickly. However, preference should be given to gold. Its rate is steadily growing, the metal is always in demand. In addition, it is better stored, because it does not darken in the air, unlike silver. When buying, you need to pay attention to the fact that the model must be packed in a plastic box. It should not be taken with bare hands - it is better to use special jewelry gloves.

6 Differences Between Investment and Collection

Investment coins are sometimes confused with collectible coins, since both models are sold in banks and specialized stores. However, there are several differences between them:

1. The most important difference is that investment coins are used as a means of saving and increasing funds. At the same time, collectible options are purchased by numismatists to replenish their personal collections. Subsequently, such products can also be sold (for example, in 20-30 years), but in this case there is no direct task of accumulating finance.
2. Commemorative coins are issued exclusively in connection with any dates or in honor of films, works of art, etc. For example, there are coins in honor of Victory Day, in honor of the World Cup, which will be held in Russia in 2018. And investment coins are constantly minted.
3. The circulation of collectibles is small, and savings coins are produced in large quantities.
4. Drawing on models for the collection is usually complex, they appearance ideal. The simplest drawings are applied to investment ones, you can often notice small mechanical defects, which is explained by the technology of mass minting.
5. In the case of commemorative models, the buyer pays not only for the metal itself, but also for a complex production technology (drawing a pattern on the surface). If you buy an investment coin, then 70% of the money spent will go for the precious metal itself and the remaining 30% - for production work, transport costs and a margin.
6. Finally, another difference is that the value of an investment coin is mainly determined only by the mass of the precious metal. At the same time, commemorative models can be sold for a large amount after a significant amount of time (for example, after 30 years).

Thus, investment coins are a means of saving and increasing funds. However, investing can only be carried out if you have the appropriate skills to make forecasts on the exchange rate and market prices for precious metals. Usually, professionals make money by buying products at the right time at the right price, and then expecting the price to go up.