Precious metals - a good option for investment. Often it is used for diversification of investments. For this purpose, in addition to gold and silver are used and more exotic metals. For example, palladium or platinum. Their price is also subject to fluctuations, and therefore makes interesting for private investors.

Why should invest in precious metals, if it exists stocks and bonds? The reason is that in periods of various crises, the usual assets often fall. Metals, on the contrary, often grow and increase in cost. Due to this feature they act as a kind of insurance capital investor.

Today, experienced financial advisors recommend to their clients to be sure to keep part of the savings in gold, silver or some other precious metals. The approximate value equal to 10-20 percent of a balanced portfolio.

To make such investments in various ways. Let's get acquainted with them.

Metal ingots.

Investing in bullion, you get a real metal, a certain weight. Accepted distinguish dimensional and standard ingots. In the process of buying a new owner is sent a certificate of quality from the manufacturer. The disadvantage of this method is that the ingot is subject to 18 percent value-added tax.

Coins made of precious metals.

Also divided into two groups: investment coins and collectable. Recent better and plus to all have artistic value. They are produced in limited edition, with the result that they are particularly popular among numismatists. Coin value significantly exceeds the time spent on its production of the precious metal.

Bullion coins are much more common. Their quality is not as high as that of above applications. Value of the coin is not too different from the value of the metal from which it is made.

Unallocated metal accounts.

This option is considered the most profitable for private investors. Its meaning is that the buyer does not buy a particular bar, and the virtual. And he does it at the current price. At the time of the sale transaction is recorded at a price that is relevant at the moment.

In addition to urgent MLA may accrue bank interest. They are not great and rarely exceed five per cent per annum. At the expense accrued in the form of money or in grams acquired metal. Also novice investor should not forget the fact that these accounts are not insured by the state, in contrast to the currency.