It is better to save money.

If you have 200,000 yuan and deposit it in a bank for 10 years at an annual interest rate of 4%, the interest will be around 100,000 yuan, and 200,000 yuan can become 300,000 yuan. If you take 200,000 yuan to buy gold, it will cost you as many grams as you want in 10 years. You won’t get a penny of interest, and you have to keep it carefully to avoid being stolen. The price of gold is constantly fluctuating. It may rise by 50%, or it may drop by 30%. It is difficult to maintain and increase value.

Some people in the industry specifically gave an example, that is, they deposited 10,000 yuan in a bank in 1989 and kept it in a five-year periodic rollover until today. At the same time, they also bought 10,000 yuan in gold at that time. After 30 years, the deposit has appreciated to 56,500 yuan, while the gold has appreciated to 45,000 yuan. However, in terms of the amount of appreciation, deposits are more cost-effective than gold.

Since the past two years have been a high-risk international financial cycle, holding gold assets can appreciate. However, if the global economy experiences a faster growth cycle in the future, international currencies appreciate, and market risks decrease, then the price of gold will If it falls, should we still store gold in this cycle? Of course not. During this cycle, gold must be liquidated, deposited, or invested in other assets.

Of course, any asset has a price fluctuation curve. Investment preservation and appreciation must respect the value curve rules of these assets. Whoever can more accurately understand the price fluctuation rules of various assets will quickly master capital. .