Pros and cons of impersonal accounts.

Today I wanted to start saving money on an impersonal account. I thought that this is a fine and less risky way of investing, or at least accumulation of funds - I mean competing with the crypto currency. But, or because of my prejudices this happened, either, I really did not find the option better than investing in the crypto currency.
Benefits:

• When opening the impersonal accounts: the depositor can carry out any manipulations with the funds (withdraw / replenish the account);
• Online purchase eliminates the complex procedure of acquiring gold;
• The investor does not need to pay tax at the rate of 13% in case of sale;
• Profit is not taxed;
• Possibility of speculation in gold.

Disadvantages:

• Low interest;
• Availability of a commission;
• When the bank is bankrupt, the depositor loses his funds. Insurance is not implied here;
• Expenses when withdrawing funds.
  Nuances of investing

Opening an OS is beneficial if you plan to store gold for several years. And in the long term for ten to twenty years, it is better to purchase physical ingots or coins, because It is not known what will happen to the bank through this period of time. By that time, new bills, taxes, etc. can lead.

If you do not know which is the best time to make a deposit, then divide the capital into three parts: for 1 year, 2-3 years, and a longer period.

Banks currently offer only 0.5-2.3% per annum. So most of the profits will be formed on the growth of the value of assets. The size of the annual depends directly on the weight of gold and the investment period, the longer it lasts, the higher the percentage you will get in the end result.