I. Fixed investment in gold
Fixed investment in gold is a way to invest real gold in banks, which is suitable for investors with less funds. Gold fixed investment can also be operated on online banking. You can invest a fixed amount every month and buy gold according to the bank's quotation. Bank quotation is generally based on the price of Shanghai Gold Exchange AU9999. If you want to withdraw from the fixed investment in gold, you can convert the gold you bought before into cash or gold bars and gold ornaments according to the market price.
Second, the gold fund.
Gold funds include gold ETF fund, gold ETF connection fund, gold theme fund and gold QD fund. Gold ETF funds need to have a stock account to buy, and the way of buying and selling is the same as that of stocks. The flexibility of trading is very good, and the transaction cost is only the level of stock commission, which is much lower than other investment methods.
Gold ETF linked funds invest in gold ETFs with the goal of tracking the trend of gold ETFs. Gold ETF-linked funds can be purchased in the OTC market, such as Alipay, Tian Tian Fund and other platforms, which are suitable for investors without stock accounts.
Gold theme funds include hybrid funds and equity funds, which mainly invest in gold concept stocks, so they are also a kind of gold funds. However, the risk of such funds fluctuates greatly, and it may not be cost-effective to hold them for a long time.
Gold QD fund refers to the gold ETF fund that invests in overseas markets. Because it invests overseas, it is affected by the exchange rate. On the other hand, the redemption of such funds is very sufficient, and it often takes two or three weeks, so few people choose this investment method.
Third, paper gold.
Paper gold is the gold on paper, making money by the difference. The bank opens an account for you, and you can buy and sell gold by depositing funds. The bank will quote according to the international gold price. Generally, the selling price will be a little higher than the buying price, and the difference is equivalent to your transaction fee.
Fourth, gold futures.
The characteristic of gold futures is T+0 trading, that is, it can be sold on the same day or bought up and down, so the daily fluctuation is very large and the risk is too high, which is not suitable for ordinary investors.