Core Tip: Everyone knows that gold is valuable, but they don't know where to buy it. Today's food guide will popularize the common channels and methods of buying gold.
I have to say that the recent trend of gold is quite difficult. I remember when I wrote about gold last two weeks, the US dollar was around 1.320 USD/oz, and now it is still hovering around 1.320 USD/oz. If you want to eat meat, you must be patient.
Fundamentally speaking, the big news these two days is that Trump dismissed Tilson as Secretary of State, and said that the current CIA Director Mike Pompeo will take over as Secretary of State.
There are also rumors that the Trump administration is seeking to impose tariffs on about $60 billion of goods imported from China.
It is said that when Trump does one thing, it will stimulate the dollar. The above two news stories led to the continued downturn of the dollar, which in turn stimulated the rebound of gold.
However, it may be that everyone is not surprised by Trump's behavior of "making waves", so there is no big fluctuation in the gold market.
From a technical point of view, the US dollar was supported around 13 10 USD/oz, and a K-line with a long shadow line was closed for several days. This k line generally means that there is some support here.
For example, on February 8 and March 1, there was a long shadow line on the daily K-line, so gold did not continue to fall. Explain that it may not fall below in the short term. It is even possible to test the pressure level of 1360 USD/oz again.
From a comprehensive fundamental and technical point of view, it is more likely that gold will continue to fluctuate this week.
In the background, I often see food friends leaving messages asking food guides what channels they can invest in gold. Today, I will give you a detailed introduction to our common channels.
1. gold ETF fund: you must have a stock account.
Gold ETF fund is a financial derivative product based on gold and tracking the fluctuation of spot gold price. As long as you have an A-share account, you can trade gold ETFs during opening hours.
At present, there are four gold ETF funds in the market, namely E Fund Gold ETF( 159934), Boss Gold ETF( 159937), Guotai Gold ETF(5 18800) and Huaan Gold ETF(5 18880).
The benchmark of these four funds is the spot gold Au99.99 of Shanghai Gold Exchange, so the income performance is similar and the transaction cost is the same. Huaan Gold ETF Fund has the largest scale and the best liquidity, so you can choose this one.
Low transaction cost is a major advantage of gold ETF. Because gold ETF does not need storage fees, storage fees and insurance fees, it only needs to pay a management fee of about 0.3%-0.4%, which is very prominent compared with the average handling fee of 2%-3% in other gold investment channels.
What is the lowest price of the gold enterprise income tax fund?
As shown in the following figure: the number of gold ETF funds purchased starts from 100, which is similar to stock trading, that is, you only need to pay about 276 yuan to buy this fund, which is equivalent to the value of buying one gram of gold.
2. Gold ETF linked fund: starting from one yuan.
The one above is a gold ETF fund, which is only two words short of this one. What's the difference between them?
In fact, the gold ETF connection mainly invests in gold ETF funds. Gold ETF connection is an off-site subscription, which is exactly the same as other open-end funds, so it is more suitable for non-stock accounts.
Each gold ETF fund has its corresponding ETF connection, and each gold ETF corresponds to A and C shares. We usually trade C shares, which can be bought in Alipay's Ant Wealth.
Therefore, there are Boss Gold ETF Connection C(0026 1 1), Cathay Pacific Gold ETF Connection C(004253), Yifangda Gold ETF Connection C(002963) and Hua 'an Yifu Gold ETF Connection C(0002 17).
When buying gold ETF linked fund C, the usual buying rate is 0, the management fee is generally 0.5% per year, the custody fee is 0. 1% per year, and the sales service fee is 0.35% per year.
According to the selling rate, 0.025% will be charged for holding days less than 3 1 day, and the selling rate for more than 30 days will be 0. The total cost is still cheaper than the general fund.
The c threshold of gold ETF linked fund is very low, starting from 1 yuan.
3, paper gold: you can short and do more.
Paper gold is a kind of personal voucher gold. You can buy and sell gold on the books according to the bank quotation.
Paper gold mainly exists in the accounts of several major state-owned banks. For example, if you have a precious metal account in CCB, you can trade as long as you have a CCB card and then apply for an account in the mobile app.
There is no leverage in account precious metal trading, and the risk is relatively low. The characteristics of 24-hour trading are more in line with the characteristics of precious metals.
Moreover, account precious metals support two-way trading, that is to say, if you think gold is going to rise, you can buy it and wait until the high position takes profit; If you think gold is going to fall, you can also short it. Once gold falls, you can make a profit again. This is a feature that other gold investment products mentioned above do not have.
In addition, in terms of transaction cost, because paper gold does not need physical delivery, it saves the cost of warehousing/transportation/identification, and the transaction cost is low, which is generally the difference of collection points, which is more suitable for short-term friends.
Which transaction fee is cheaper?
Generally speaking, there is a trading spread for precious metals in the account. Take China Construction Bank as an example. The bilateral spread of Au9999 is 0.5 yuan/gram, which means that the transaction cost per kloc-0/gram of gold is 0.5 yuan, while the spread of gold in RMB account of ICBC is 0.4 yuan/gram, which is cheaper than that of CCB. We can compare which is more cost-effective when buying.
4. Physical gold: the favorite of Chinese aunts.
When it comes to physical gold, I see a picture of a Chinese aunt buying gold crazily. Here we only talk about financial investment in gold bars, not about gold ornaments.
Investment gold bars are the most suitable varieties for investing in gold, but they do not refer to the common commemorative gold bars and New Year's gold bars on the market. These gold bars are all "jewelry gold bars".
You can go to the bank to buy physical gold bars. For example, China Merchants Bank represents 2-ounce, 5-ounce, 10-ounce standard gold bars.
You can also go to the gold shop to buy it. For example, China Gold also issues pure gold (Au99999), but it is said that only your own gold bars are recycled, and other gold shops do not want your gold bars, which involves the issue of liquidity.
But there are so many channels to buy gold now. Do you want to buy some gold bars to put at home? It varies from person to person. Some people just like the feeling of holding it in their hands. But recycling this thing is really troublesome. Interested friends, talk about it in detail next time.
In terms of transaction cost, the difference between buying and repurchase of major banks is about per gram 15-20 yuan, and the transaction cost is still very high!
5. Other channels: gold and Qian Bao, micro-gold and gold mines.
The gold wallet was also mentioned last week, and the theme was Au99.99 spot gold of Shanghai Gold Exchange. The more interesting products are liquid gold and bottom gold. Their income composition is: expected annualized rate of return+gold fluctuation spread.
For example, if you buy a 30-day fixed deposit, you can get 3% annualized income and gold fluctuation spread. The 365-day period is 6% return plus gold fluctuation spread. For example, if you buy gold for 365 days today, and gold rises by 15% one year later, then your income is 15%+6%=2 1%.
Weijin is a gold wealth management product jointly launched by ICBC and Tencent Weijin. The threshold is also very low, and the minimum trading unit is 0. 1 gram.
Deposit Jinbao is a gold wealth management product on Alipay, so I won't say much now that I have suspended my purchase.
The transaction cost of the above products is also relatively low, which is very suitable for friends who don't have much money but want to allocate gold.
Finally, I won't talk about spot gold and futures gold. As we mentioned last week, this lever product is not suitable for ordinary people to play.
Well, this week's Gold Investment Weekly has arrived. If you don't understand, please leave a message below.
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