The investment threshold for accumulating funds is relatively low. Although the initial investment of each bank is different, it is generally between 100-300 yuan. The physical gold of general banks is produced and issued according to specific specifications. Take ICBC Ruyi Gold Bar as an example. The minimum size is 20 grams. According to the price of gold, the initial purchase amount is several thousand yuan.
2. Trading method
Metals accumulated in gold equity investment products can be operated through mobile banking and online banking. After the purchase, the transaction records are registered through the margin account, which does not involve the custody of physical gold.
The physical gold of general banks needs to be purchased at bank outlets. After the purchase, investors need to keep the physical gold themselves. Banks generally do not provide custody services, even if they do, they are paid services, and investment needs to pay a certain custody fee. Therefore, from the perspective of trading methods, physical gold is not as convenient as deposits.
3. Liquidation method
If the accumulated gold wants to be realized, Dick will directly redeem some or all of his accumulated gold shares, similar to the redemption of fund shares. The redemption price is quoted automatically by the system, and the redemption funds will directly enter the bank account. In addition to direct redemption, the accumulated funds can also be directly converted into physical gold at the bank counter.
The realization of physical gold is relatively simple, generally through the way of bank gold recovery, but there are many restrictions on bank gold recovery, which are generally the physical gold products sold by banks for recovery.
"ICBC Goldsmith Accumulation Fund No.2" (hereinafter referred to as "Accumulation Fund") is an upgraded version of "Ruyi Accumulation Fund" and an "intelligent" gold investment product jointly launched by Industrial and Commercial Bank of China and the World Gold Council.
It is the first low-risk gold investment product with "daily average price flexible savings" in China, mainly for individual investors.
Deposit business: customers open a deposit account in China Industrial and Commercial Bank of China, sign a deposit agreement, and purchase gold asset rights (deposits) based on gold assets in China Industrial and Commercial Bank of China by means of fixed deposit (agreed monthly deduction amount) or active deposit, and can redeem or exchange precious metal products. Because investors buy gold in small quantities for a long time, they can reduce the risk of making large investments at inappropriate times. Investors can choose to exchange physical precious metal products at any time during the contract period (usually at least one year) or at the end of the account. If the investor decides to sell the accumulated funds, it can be realized at the price of the accumulated funds on that day.
Characteristic advantage
① Steady increase of gold: ICBC's precious metal wealth management expert team buys gold for you every day, helping you share costs and spread risks.
② Every little makes a mickle: you only need 200 yuan every month, that is, you can participate in Daikin investment with small funds.
(3) Diversification of gold selection: ICBC's rich precious metals can be exchanged in kind or cash. Cumulative fund exchange means that customers convert the accumulated funds in their accounts into equivalent precious metal products sold by ICBC, and at the same time reduce the balance of the accumulated funds account.
Earn real gold: accumulate bit by bit and continue to participate in gold investment, and time will create more wealth for you. [ 1]
differentiate
Compared with the fixed investment in gold, there is little difference in essence, and all of them are gold deposits and withdrawals.
1. Start-up funds are different. The minimum deposit is 200 yuan, and the minimum investment in gold is 100 yuan.
2. Different quotation methods. The accumulated gold price is quoted as "accumulated gold", and the fixed investment price of gold is quoted as Shanghai Gold Exchange AU9999.
3. The handling fee is different. ICBC charges customers "accumulation fee" and "redemption fee". The accumulative rate is 0.5%, the redemption rate is not higher than 1.5%, and the fixed investment of gold is per gram 1 yuan.
4. Different treatment methods. Deposits can only be handled with ICBC cards, and bank cards supported by fixed investment gold are more extensive, and those marked with UnionPay can be used.