Has Jin Doudou preserved its value?
Most people buy Jin Doudou mainly because they want to invest in gold. Compared with tens or hundreds of grams of investment gold bars, the weight of Jin Doudou is about 1 gram. According to the current gold price, the price is around 400 yuan to 500 yuan. For young people who have just entered the workplace and have insufficient savings, the pressure is not great.
Moreover, because gold is a value-preserving product in everyone's long-term impression, "saving gold beans" is also regarded by many people as "saving money in disguise" and as a way of financial management. However, I want to talk to you about several major misunderstandings here.
Myth 1: Gold must be a value-added product.
The trend of gold price is not as stable as we expected. Its price fluctuates greatly, and the risk of fluctuation is not low. Moreover, if the time period is extended, the income of gold investment may not necessarily outperform inflation.
(Source: Jintou. com)
Myth 2: As long as it is a gold product, it is all the same.
First of all, gold investment is also divided into many different ways, such as physical gold, paper gold, gold futures and spot, gold options, gold certificates and so on. Different investment methods have different benefits and risks.
Moreover, even physical gold can be divided into gold ornaments, collection funds and investment funds. The cost of gold ornaments and collection funds is very high, and various expenses such as design fees and processing fees have to be paid, which greatly weakens the investment attribute of gold.
Moreover, the wear and tear of gold is inevitable, especially the gold ornaments, which are extremely serious. Besides, if we don't keep it properly, it is more likely to be damaged.
Generally speaking, the cost of Jin Doudou is very high, and it is difficult for us to provide an optimal preservation environment. At the same time, it is difficult for us to realize it. Generally, the gold recycling office also needs us to pay a certain appraisal fee and recovery fee, which are the costs we need to calculate.
The most important point is that it is difficult for us to distinguish the fineness of gold, that is, the quality of gold. This is a key issue in physical gold investment, not only when buying Jin Doudou.
Misunderstanding 3, do not pay attention to investment opportunities
Antiques in prosperous times, gold in troubled times. We believe that gold can fight inflation, which is mainly an investment logic of "extreme risk aversion". Historically, once the economic and political levels fluctuate, people will be more inclined to buy gold to avoid risks. Therefore, under inflation, everyone's mood will often boost the price of gold. In this way, if a risk event happens in a short period of time, it will be easy to buy a high point if you rob gold again.
In the long run, gold is recognized as the most important defender and guarantor against inflation and other financial risks, because in some special cases, the hard currency property of gold remains unchanged, and in extreme cases, it is a safe-haven asset. However, not all products and opportunities are suitable for investment. Generally speaking, investment products such as Jin Doudou should not only pay attention to the fluctuation of gold price, but also pay attention to the fineness of gold, purchase channels and preservation conditions, as well as merchants' repurchase requirements for gold.