investire in oro.pptx
TRANSCRIPT
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Investire in oro Ramon Crameri
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Investire in oro1. Perché2. Come
1. Lingotti2. Monete
3. Monete d’oro: idee d’investimento4. Monete d’argento: idee d’investimento
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Investire in oro• Perché• Bene rifugio, asset reale• Altamente liquido e commerciabile• Diversificazione• (….meglio acquistare a 1’200 USD/oz…….che a 1’900…..)
= un’assicurazione sul patrimonio
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Investire in oro • Come• Oro fisico, variante da privilegiare per il lungo termine
• Lingotti• Monete
• Oro «cartaceo»• ETF (attenzione alle regole di consegna fisica!!!!!!!!)• ETC (liquidità???)• Futures / CFD
• Azioni / ETF di società aurifere (ev. obbligazioni)
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Investire in oro• Oro fisico, lingotti
• Lingotti da 1 – 1000 grammi
• Attenzione a spread/agio!!!
Barre di aziende certificate (LBMA), Valcambi, Argor-Heraeus SA, ecc.
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Investire in oro1 gr 100 gr 1 kg
49.-- 3’844.-- 38’219.--
49’000.-- 38’444.-- 38’219.-- 1 kg
+28% +0.60% +0.00% Agio rispetto a 1 kg
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Investire in oro• Soluzione? «combi bar», 50x1gr o 100x1gr
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Investire in oro50 gr 50 gr combi bar 1 kg
1’927.-- 1’950.50 38’219.--
38’540.-- 39’010.-- 38’219.-- 1 kg
0.84% +2.00% +0.00% Agio rispetto a 1 kg
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Investire in oro• Custodia dell’oro fisico?
• Cassetta di sicurezza CHF 80 – 400 p.a. / deposito doganale / «fai da te»• Banche richiedono a volte pat. min.
• Costi deposito doganale, oro da 0.75% p.a. / argento da 1.75% p.a.• Argento senza IVA in deposito doganale
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Investire in oro• Oro fisico, monete
• Monete «da investimento» / monete «da collezione»
• Monete da collezione, valore: grado di rarità, stato di conservazione (fondo specchio, fior di conio, ecc. ecc.), contesto storico
• Monete da investimento, valore esclusivamente legato al materiale
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Investire in oro• Monete da investimento, le classiche, oro 916.6/1000 o 900/1000
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Investire in oro• Monete da investimento, «nuove» 999.9/1000
• Australia Canada Austria USA e tante tante altre….
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Investire in oroCina Messico
Attenzione ai ducati 1 / 4 Austria, IVA!!!
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Investire in oro• Monete da investimento
2.5 Pesos Messico, 1.87 gr oro fino20 Franchi/Lire CH/I, 5.81 gr oro fino1 GBP Sterlina UK, 7.32 gr oro finoKrueger Rand SA, 1oz, 31.1 gr oro finoAustralia Canguro, 1oz, 2oz, 10oz, 1kg
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Investire in oro• Monete da investimento
2.5 Pesos Messico, 1.87 gr oro puro
Acquisto / vendita CHF 70.10 a 84.30, spread elevato!!! 20%
Spread lingotto 2 gr ca. 16%
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Investire in oro• Monete da investimento
20 CHF Marengo CH, 5.81 gr oro puro
Acquisto / vendita CHF 223.50 a 243.50, spread medio!!! 9%
Spread lingotto 5 gr ca. 7.5%
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Investire in oro• Monete da investimento
1 oz Krueger Rand Sud Africa, 31.1 gr oro puro
Acquisto / vendita CHF 1171.-- a 1239.--, spread «basso»!!! Ca. 5.5%
Spread lingotto 1 oz, 31.1 gr ca. 2.5%
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Investire in oro• Monete da investimento
• I marenghi, tutti 5.81 gr oro fino ma…….
• Svizzera Italia Francia Belgio 243.50 237.30 237.30 232.90
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Investire in oro• Monete da investimento
• Liquidità, esempio marengo CH
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Investire in oro
60 mio di pz. Marengo CHF 20 2.6 mio di pz Marengo CHF 10
= CHF 14.4 mrd. = CHF 312 mio
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Investire in oro
• Attenzione ai prezzi pubblicati!!! La quantità non è conosciuta…..• Confrontare le offerte!!!• Acquisti scaglionati nel tempo
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Investire in oro• Coin lending, possibile come per i titoli
• Monete dove acquistare?• Banche (conto?)• Commercianti di metalli preziosi• Numismatici• Privati??? (solo dopo perizia / costi)
• Falsi: peso/dimensioni/aspetto, falsi libanesi
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Investire in oro• Meglio i lingotti o le monete?
• ………dipende…….
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Investire in oro• Monete da collezione / investimento (mix)
Australia, 1oz, 2015 anno della capra, 30.000 pezzi, agio +2/3%
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Investire in oro• Monete da collezione
• Marengo da 100 CHF, rarità, 5000 pezzi (ma molto meno in realtà) prezzo fra 8.500 – 16.500 (oro fino «solo» 29 gr. ca.)
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Investire in oro• CHF 250 oro
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Investire in argento• Franchi d’argento, es. CHF 5, 12.525 gr fino, ca. CHF 6.60 argento
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Investire in argento• CHF 20 argento, 16.7 gr fino, ca. CHF 8.80 di argento
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Investire in ?????
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Grazie!