Personally, it is more suitable for ordinary people's fund investment, and the threshold of quota is lower

First, paper gold investment. This is because the starting threshold of paper gold investment is low. For example, commercial banks can invest in paper gold business with their own brands with a minimum of 1 grams. At the current gold price, paper gold investment can be made with less than 2,5 yuan. The Shanghai Gold Exchange can invest at least 1 grams of "book physical gold", and the required funds are about 25, 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+ 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 "spread" between the buying and selling prices of the bank at the same time, which also constitutes the "handling fee" of paper gold. For example, the unilateral spread of ICBC is .35 yuan/gram, and the total trading volume is .7 yuan/gram, which is about .25%. Di Shuangli, 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 the market trend at any time and choose the most suitable time."

2. Gold ETF has many advantages

At present, many fund products with gold or shares of gold companies have been launched in the market, which are used to indirectly invest in the gold market and effectively spread the risk of gold investment. For gold ETF funds, four have been established in the market, namely Hua 'an 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 the gold spot contracts listed and traded on the Shanghai Gold Exchange, thus achieving the purpose of tracking the changing trend of domestic gold prices. From this point of view, there is not much difference between the four gold ETFs, and investors on the market can directly trade these ETFs like buying and selling stocks.

the biggest advantage of gold ETF is its low transaction cost and transaction threshold. Due to the high price of gold, gold ETF generally takes 1 gram as a fund unit, and the trading unit is 1 gram of gold in one lot, and the price is around 3 yuan. This is the starting amount of gold ETF trading.

In addition, gold ETFs can also be linked to gold in kind. When the accumulated ETFs reach a certain share, they can apply to Shanghai Gold Exchange for withdrawal of gold in kind. At the same time, gold ETFs can also make "gold earn interest" by leasing gold. For example, Hua 'an Gold ETF usually leases about one-third of the gold under its assets, which not only offsets the management fee, but also earns extra income for investors.

gold ETFs can be operated on-site or purchased and redeemed off-site. For "lazy investors", it may be a simpler way to purchase OTC shares and hold them.

the class I share of boss gold ETF is the "gold deposit" business jointly created by AliPay and boss fund. "Cunjinbao" 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, so 1 yuan can purchase it.

3. The hedging function of physical gold is outstanding

As the saying goes, "gold is hidden in 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 severe or crisis occurs. In addition, some gold products also have commemorative significance, collection value and fun.

There are many forms of physical gold products, resulting in different investment costs and additional benefits. 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 lunar new year gold bars, with 8 specifications of 1 g, 2 g, 3 g, 5 g, 1 g, 2 g, 5 g and 1 g * *. If investors want to realize it in the future,

"Panda" gold coin is also regarded as one of the best choices for physical gold investment. The "Panda" issued in 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 improves the recognition of the "Panda" gold coins. At the same time, "Panda" gold coin is also the product with the lowest premium among domestic gold and silver coins. The one ounce "Panda" gold coin with the lowest premium in the centralized collection market is about 1 ~ 4 yuan higher than the one ounce gold material of the same specification, which is equivalent to several yuan/gram to more than ten yuan/gram.

4. Long-term investment choice: Fixed investment in gold

Fixed investment in gold means buying gold at the closing price of Shanghai Gold Exchange AU9999 with fixed funds 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.

unlike 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 (usually 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.