Ordinary banks only recycle the sold gold, and cross-bank recycling is troublesome, so it is best to buy and sell in the same bank, so banks with more outlets have obvious advantages, which is why ICBC is recommended above.
Whether gold is accumulated or purchased at one time, its function is the same, that is, to preserve value.
If you want to realize asset appreciation, you cannot choose gold. These are two concepts: preservation and appreciation.
Fixed investment in gold is also called gold accumulation or gold accumulation, and it can also be called gold deposit and withdrawal. It is to buy gold with fixed funds every month according to the closing price of Shanghai Gold Exchange AU9999. At the expiration of the contract, the grams of gold accumulated by the customer can be converted into cash at the Shanghai gold market price, or the corresponding grams of gold bars and gold jewelry.
Since the gold purchased is directly purchased at the price of Shanghai Gold Exchange AU9999, there is no handling fee. Therefore, the grams of gold purchased will change with the fluctuation of gold price, which can effectively reduce the price risk. Adopting the method of regular quota can achieve the purpose of compulsory savings and convenient financial management. Because it can be converted into gold bars or jewelry, it is also a good way to accumulate money.
What are the advantages?
Save some money:
The bank automatically deducts money every month, so that you can inadvertently save some money every month. Save 300 a month and 3600 a year. Compulsory savings, easily get rid of the moonlight family.
It's simple:
There is no need to pay attention to the rise and fall of gold, which is as convenient as saving money, and will not affect the long-term income because of short-term fluctuations. Really don't worry, lazy financial management.
You can vote:
Generally, 300 yuan is enough, with a minimum of 100 yuan. Too little money will not be an excuse for us not to manage our finances. A small step in fixed investment and a big step in life will truly open a new era of national financial management.
Very convenient:
Fixed investment in gold is a one-time benefit and a lifetime benefit. You only need to submit a copy of your ID card and bank card, or you can apply for online processing and online exchange, so that you can really stay at home and get through. If you need money or gold, you can redeem it in time.
Stable income:
Fixed investment in gold is a long-term accumulation process. Short-term accumulation realizes value preservation and appreciation, and long-term accumulation makes millionaires. Fixed investment in gold is suitable for long-term buying, generally the shortest period is one year, which further ensures the stability of income. The long-term compound interest income of gold investment is even more impressive.
Zero risk:
When gold rises, it can be converted into cash to realize the appreciation and preservation of wealth. When gold falls, it can be transformed into gold bars and become a treasure handed down from generation to generation. Make money and save money. This is also the most attractive place for gold investment, and there is no risk.
A fixed investment in gold will level the cost, and many a mickle makes a mickle. You don't have to choose the timing of investment, and you don't have to care about the short-term fluctuations of gold prices. You can get the average return of the market through long-term persistence. Gold rose from $250/oz to $65,438+$0.900/oz in recent ten years. In addition, the target of fixed investment in gold is physical gold, which is the supervisor of money, and its fluctuation will not be as violent as that of funds, which also proves the investment value of gold.