First: paper gold investment. This is because the starting threshold of paper gold investment is low, such as the paper gold business of commercial banks' own brands, which can be invested as low as10g. At the current price of gold, you can invest in paper gold for less than 2500 yuan. The "book physical gold" of Shanghai Gold Exchange can invest at least 100g, and the required funds are about 25,000 yuan.
Another reason is that investment is more convenient. Investors only need to open precious metal trading accounts in big banks such as China, agriculture, industry and construction. Moreover, paper gold adopts "24-hour uninterrupted" trading mode and T+0 delivery mode, which provides ample time for office workers to manage their finances.
It is worth noting that "transaction cost" should be considered when investing in paper gold. When buying and selling paper gold, investors trade with the buying price and selling price of the bank, which has a problem, that is, there is a "price difference" between the buying price and selling price of the bank at the same time, which also constitutes the "handling fee" of paper gold. For example, the unilateral spread of ICBC is 0.35 yuan/gram, and the total turnover is 0.7 yuan/gram, which is about 0.25%. Di Li Shuang, product manager of a gold department in Shijiazhuang Management Department of Bank of China, reminded investors: "Investing in paper gold is not like investing in physical gold. You need to keep an eye on market trends and choose the most suitable time. "
2. Gold ETF has many advantages.
At present, many fund products with gold or gold company stocks as the target have been launched in the market, which are used to indirectly invest in the gold market and effectively disperse the investment risks of gold. In terms of gold ETF funds, four funds have been established in the market, namely Huaan Yifu Gold ETF, Cathay Pacific Gold ETF, E Fund Gold ETF and Bosera Gold ETF.
The investment targets of the four gold ETFs are highly consistent, that is, they mainly invest in gold spot contracts listed and traded on the Shanghai Gold Exchange, so as to track the domestic gold price trend. From this point of view, there is not much difference between the four gold ETFs, and investors in the market can trade these ETFs directly like buying and selling stocks.
The biggest advantage of gold ETF is its low transaction cost and low transaction threshold. Due to the high price of gold, gold ETFs generally use 1g as a fund unit and gold 1g as a trading unit, and the price is around 300 yuan. This is the initial amount of gold ETF trading.
In addition, gold ETF can also be linked to physical gold. When the cumulative ETF reaches a certain share, you can apply to Shanghai Gold Exchange for physical gold extraction. At the same time, gold ETF can also let "gold earn interest" by leasing gold. For example, Huaan Gold ETF usually rents out about one third of the gold under assets, which not only offsets the management fees, but also earns extra income for investors.
Gold ETF can be operated in the market, and can also be purchased and redeemed outside the market. For "lazy investors", it may be easier to buy OTC shares and hold them.
The Class I share of Bosera Gold ETF is a "treasure-saving" business jointly created by Alipay and Bosera Fund. "Save Jinbao" can be purchased and redeemed through Alipay PC and Ant Fortune Mobile APP. The advantage is that there is no redemption fee and the threshold is lower, starting from 1 yuan.
3. The hedging function of physical gold is outstanding.
As the saying goes, "gold is hidden among the people", and a considerable number of investors regard gold products as investment targets, including gold bars, coins and gold ornaments. This is because physical gold with unique hedging function can play the role of "natural currency" when inflation is serious or crisis occurs. In addition, some gold products also have commemorative significance, collection value and interest.
There are many forms of physical gold products, and the resulting investment costs and additional benefits will be different. Among many physical gold products, the physical gold introduced by the Gold Exchange is undoubtedly the lowest investment cost choice. At present, many commercial banks have launched their own brand gold bars. For example, the "Ward Investment Gold-Gold Bar" launched by Bank of Communications can be divided into two types: classic investment gold bars and New Year gold bars, including 10g, 20g, 30g, 50g, 100g, 200g, 500g and 100g.
"Panda" gold coin is also regarded as one of the best choices for physical gold investment. "Panda" issued by China is recognized as the five largest investment gold coins in the world, which ensures the stability of its content, color and specifications, and also enhances the recognition of "Panda" gold coins. At the same time, "Panda" gold coin is also the lowest premium product among domestic gold and silver coins. In the centralized collection market, the price of "Panda" gold coin with the lowest premium is 1 ounce, which is about 1 00 ~ 400 yuan higher than that of1ounce gold of the same specification, equivalent to several yuan/gram to more than ten yuan/gram.
4. Long-term investment choice gold fixed investment
Fixed investment in gold is to buy gold with fixed funds at the closing price of Shanghai Gold Exchange AU9999 every month. Like the fund's fixed investment, the fixed investment in gold also has the advantage of diversifying investment risks, regardless of short-term fluctuations, which is suitable for investors to enter the market at a relatively low point and insist on long-term investment.
Different from the fixed investment of the fund, the redemption method of the fixed investment of the fund can only be cash. However, for the fixed investment in gold, when the contract expires (generally at least one year), the grams of gold accumulated by customers can be converted into cash at the Shanghai gold market price, or the corresponding grams of gold bars and gold jewelry.