1, the investment threshold is different: the start-up capital of the accumulation fund is low, and the general minimum investment is only 200 yuan. Physical gold is produced and distributed by banks according to specific specifications, and the products are limited, so its initial purchase capital is relatively high.
2. Different transaction methods: accumulated funds can be purchased directly through online banking, which does not involve product custody. However, physical gold is generally purchased online at outlets, and the products can be kept by themselves, or they can be kept by the bank after paying the safekeeping fee.
3. There are two ways to change: one is to redeem the fund shares directly, and the other is to convert them into physical gold. The realization of general physical gold can only be realized by the way of recycling gold by our bank.