"Fixed investment in gold" means buying gold with fixed monthly funds. When the contract expires, it can be exchanged for the corresponding grams of investment gold bars; Or exchange your favorite gold jewelry; Can also be converted into cash; Fixed investment in gold is also called gold accumulation or gold accumulation, and it can also be called gold deposit and withdrawal. It is to buy gold in a fixed fund every month according to the closing price of Shanghai Gold Exchange AU9999. At the expiration of the contract, the grams of gold accumulated by the customer can be converted into cash at the Shanghai gold market price, or the corresponding grams of gold bars and gold jewelry. "Because the gold purchased is directly purchased at the price of Shanghai Gold Exchange AU9999, there is no handling fee in the middle. Therefore, the grams of gold purchased will change with the fluctuation of gold price, which can effectively reduce the price risk. Adopting the method of regular quota can achieve the purpose of compulsory savings and convenient financial management. Because it can be converted into gold bars or jewelry, it is also a good way to accumulate money.

Gold fixed investment and gold speculation

The starting point of fixed investment in gold is 100 yuan, and the maximum is 20,000 yuan, so as to prevent speculation. However, speculating in gold is an investment behavior with high risk coefficient and high start-up capital. Speculation in gold requires professional gold knowledge, and a fixed investment in gold is just like saving money.

1. The purpose is different. Fixed investment in gold is mainly based on saving money and preserving value, while speculation in gold is for profit.

2. The beginning is different. Minimum gold investment 100 yuan, minimum gold investment 100 yuan.

3. The risks are different. The fixed investment of gold is zero risk, but the speculation of gold is that once the direction is wrong, the lighter will cut the meat and the heavier will explode.

4. The operation is different. Gold fixed investment only needs to provide a copy of ID card and bank card. Speculation in gold requires expertise in gold investment.

Fixed investment in gold is also called gold accumulation or gold accumulation, and it can also be called gold deposit and withdrawal. Adopting the method of regular quota can achieve the purpose of compulsory savings and convenient financial management. Because it can be converted into gold bars or jewelry, it is also a good way to accumulate money. So what's the difference between gold fixed investment and other investment varieties?

Gold fixed investment and fund fixed investment

The difference between fixed investment in gold and fixed investment in funds is that fixed investment in gold is operated by fund companies, while fixed investment in gold requires investors' own constraints, which is a personal investment behavior. In addition, compared with the fixed investment of the fund, the fixed investment of gold also has the double-layer value preservation function that the fixed investment of the fund does not have. First, gold, as a rare metal, is itself a value-preserving currency. Secondly, the investment effect of fixed investment will increase the expected annualized expected return of gold. It can be seen that different investment channels have different characteristics, and investors can make different fixed investment plans according to these characteristics, which can achieve twice the result with half the effort. The longer they persist, the more obvious the effect will be.

1, the investment direction of funds is different. The funds invested by the Fund are mainly used in the stock market and bond market. The capital invested by gold is simply the gold market.

2. Redemption methods are different. The way to redeem the fund is cash. The redemption method of fixed investment in gold can be cash or gold.

3. The terminology is different. Generally speaking, the fixed investment period of the fund is at least 1 year, and it is recommended to be about 3 years. The fixed investment period of gold is also one year, but it can be taken out at any time after 1 year.