How Do Investors Pay For Gold In The Era Of Gold?

Entering the December, the US dollar was weak and global. inflation Factors such as exacerbation, increased demand for risk avoidance, and so on. Gold price Regain the ascend and enter the era of "thousand four" again. As gold prices soar, physical gold, paper gold, gold T+D, bank gold Conduct financial transactions Products such as gold investment have received unprecedented attention.

From the price point of view, gold has risen more than 30% this year. However, some gold financial products have not risen with the price of gold. Pu Yi wealth statistics, many of this year's gold linked financial products, the yield of maturity is less than 5%. It's all about gold financing. Why are the benefits different? In the face of the relatively high gold price, can investors still invest in gold?

　　 Gold financing: knack for product selection

In the background of this year's gold price rising, many investors of physical gold, paper gold and gold T+D have achieved better returns. This part of the investment is more subjective and flexible, mainly depending on the investors' judgment of the market, choosing the opportunity to build positions, reduce positions or clear positions. But this requires investors to spend time and energy, suitable for investors who have knowledge and time for gold. More investors who do not know the gold market will choose to buy gold products that are linked to gold.

However, such financial products do not give investors a satisfactory rate of return, just like other gold financing varieties.

A researcher at Puyi fortune pointed out that this year, more than half of the bank's financial products, which are due to be linked to gold, yield less than 5% of their maturity, and many of them fail to achieve the expected rate of return. In fact, the average annual yield of the 15 financial products that are due for maturity is only 6%. In addition to the outstanding performance of some foreign banks' gold financial products, other performances are rather bleak.

He analyzed that the low yield of such products may be a drop in the future price of gold in design, which is contrary to the actual situation of gold price rise.

A financial analyst reminded investors to take special care when participating in this kind of financial products linked to gold. When banks launch these products, they will give an expected rate of return. It is necessary to understand that the expected rate of return is only a hypothetical yield. It is not the actual rate of return. Investors should pay close attention to the possibility of achieving this expected rate of return, in order to decide whether to invest or not.

　　 Experts recommend: fixed investment gold to see the long term

On the choice of gold investment varieties, Wang Ruilei, chief analyst of high gold silver limited, pointed out: "now many people buy gold and lack professional knowledge. For this reason, I suggest that investors can invest gold in installments. In fact, the best way to buy gold near the medium term and long-term average is to consider leaving in batches when the yield is above 10%." It is understood that ICBC has launched gold accumulation business, the starting point of the accumulated amount is 200 yuan, the starting point of the cumulative number of grams is 1 grams, suitable for individual customers to carry out small and continuous investment in gold.

Wang Ruilei pointed out that the prospect of gold investment is pretty good next year, and the value of gold hedging in the context of inflation is outstanding. It is estimated that gold prices will still increase from 10% to 20% next year, and international gold prices may be between 1700 and 1800 US dollars per ounce.

"Of course, gold investment is more suitable for long term." Wang Ruilei stressed, "I agree more about the investment period of 2 to 3 years in the medium and long term. Because in the short term, the volatility of gold may be relatively large. "

Wang Ruilei said that gold investors need to focus on two indicators, the first is interest rates, real interest rates are positive or negative. The second is the debt risk of western countries, which directly determines whether the super sovereign gold can defeat the sovereign currency and become a safe haven. That is to say, under negative interest rates and debt crisis in western countries, gold will play an anti inflation and hedging function.