Gold's function of maintaining value and fighting inflation has always been recognized by investors. The so-called' gold is naturally a currency. There are many kinds of gold investments, such as futures, physical objects, paper gold and ETF. What's the difference between JD.COM gold and bank gold?

I. JD.COM Gold

1, product attribute

JD.COM gold essentially belongs to the accumulated funds of banks. It is a gold accumulation product of JD.COM United Minsheng Bank, which is traded online, but it also supports the exchange of physical gold such as gold coins, gold bars and gold ornaments.

2. Expected income of products

There is no handling fee for buying gold in JD.COM, and 0.3% of the transaction amount is charged for selling gold. The minimum handling fee for a single transaction is 0.0 1 yuan.

JD.COM gold can be bought at a low price and sold at a high price, thus earning the difference between buying low and selling high. In addition, you can get a certain expected interest income. If the purchase is successful before 15:00, interest will be calculated on the same day. The annualized interest rate is 0.35%, and the interest will be calculated according to compound interest.

Second, bank gold.

1, cash in kind in the bank

Physical metals are used in the precious metal business of banks, which are divided into craft gold and gold bars. Comparatively speaking, craft gold is more suitable for collection, and gold bars are more suitable for investment and hedging. Many banks do not provide free custody and repurchase services, so the cost of holding physical gold is relatively high.

2. Paper gold

You can't get physical gold by buying paper gold. It is a virtual voucher. Investors can buy through mobile banking, online banking and other channels. The price of paper gold is the same as that of the linked physical gold bars. The risk of paper gold is generally higher than that of physical gold, and a certain multiple leverage is usually added.

3. Account funds

Account deposit is a financial investment product with precious metals in the account as the target. Investors can't withdraw physical gold, but buy and sell precious metal shares in their accounts according to market trends.

The above contents about the difference between JD.COM gold and bank gold, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.