Start From 10 Grams &Nbsp; Look After 80 Girls Gold Fry.

When it comes to young people born in the 1980s, many people think of the code of "moonlight clan" and "gnawing old people". Conduct financial transactions It seems to be their label. However, there are also some post-80s young people who are willing to accept new things and have some knowledge of financial management. Wang Shu is such a girl after 80.

　　 Internet Banking The frying gold starts at 10 grams.

Wang Shu graduated from Peking University in 2007 and worked in a consulting company.

After having experienced a "moonlight clan" life just when he graduated, Wang Shu paid special attention to it after he had some savings. Investment Conduct financial transactions. She did not work until 4 years ago, and already had some financial assets. In addition to having 80 thousand yuan of funds in stock accounts, a monthly fund of 2000 yuan has been allocated.

However, looking at 80% of his assets in stocks, Wang Shu is too conscious of risks. "All I want to think about is bonds and gold, and I don't want to invest in bonds, so I choose gold."

Last October, in an online transfer process, Wang Shu accidentally discovered that he could buy paper gold through online banking, with a minimum purchase of 10 grams. At that time, the gold price was around 280 yuan / gram, and he had enough money to buy 10 grams of paper gold. "Heart is not as good as action," I immediately opened a paper gold account, started the gold of fixed paper.

Buying at every drop

Thereafter, Wang Shu will purchase 10 grams of paper gold every month when gold prices fall. A few months later, she already had 60 grams of gold in her hand, totaling about 17 thousand yuan.

As she always chose to buy the gold price, she bought 270 yuan per gram at the lowest level, and the total cost was only 280 yuan per gram per gram. Reporter checked, yesterday's gold price was 322 yuan / gram, 60 grams of paper gold market value reached 19320 yuan, Wang Shu earned six yuan in half a year over 2000 yuan.

In March this year, when gold prices soared too sharply, and some of the money was spent on travelling, Wang Shu suspended the purchase of paper gold. "At that time, my mentality was to wait for it to fall down and buy it again. I didn't expect it to get higher and higher. Now it has risen to 320 yuan a gram." Wang Shu said with regret. This month, Wang Shu is ready to start buying again. "I guess it will be adjusted to around 310 yuan, and I will buy it then."

　 Ready for fresh paper silver

In addition to gold speculation, the recent craziness of silver has attracted Wang Shu. She seriously studied, "gold prices fluctuate less, volatility is 20%, and silver is around 40%. Silver rose by 70-80% last year, and silver has risen by 30% since the beginning of this year, while gold is only 10%. I saw a bank also launched paper silver, the minimum purchase of 100 grams, I'm ready to try.

Wang Shu told reporters that some of her colleagues were also selling paper gold, making short selling, buying low and selling high and earning price differentials. "This needs to be very familiar with the international situation. I don't know much about it, so I take paper, gold, paper and silver for long-term investment."

One word reminder.

Xiao Wang has a very good attitude and a strong sense of risk prevention. But it is worth reminding that the market is risky and needs to be careful when entering the market. At present gold and silver prices are at historically high levels. How long can they last? No one can tell. The first quarter survey conducted by the people's Bank of Chongqing battalion and tube department showed that 9.5% of Chongqing residents held gold assets, up 4% in the first quarter of April 29th. This shows that the number of people who fry gold in Chongqing in the first 44 months of March increased by 4%. More and more people are frying gold, which shows that the risk is also increasing.

Citizens buy gold bars at Jindian. {page_break}

　　  Be vigilant against the six risks of gold investment

Due to the long-term weakness of the dollar and the turmoil in the Middle East and Libya, gold investment has suddenly become hot. At present, the gold price has exceeded the historical high of 1400 US dollars / ounce. According to a survey conducted by Bankrate, an internationally renowned third party financial analysis and Research Institute, more than 1/4 of respondents consider buying gold products from banks in the next six months, reflecting the prospect of gold investment among the general public. The number of investors who fry gold jumped by more than 40% last year.

It is understood that at present many gold stores, small specifications of investment bars often appear to be out of stock. So what kind of magic can we invest in gold? What are the risks? A senior gold investor who has invested in gold for more than 6 years will share the investment experience with us.

Chance to arouse enthusiasm

The experience of Foshan boss Lu Bing in Shanxi doing coal business is very accidental. After years of coal business, he has already completed the primitive accumulation of capital, which can be described as a "free and wealthy" family. As a result of coal mine accidents in recent years, the supervision of small coal mines is becoming more and more strict. Lu army, in order to make the capital better able to be used, Lu Bing thought of the two venture, and the people took food as their top priority, so the most traditional industry catering industry came into his eyes.

Lu Bing allowed his wife to open a restaurant in Foshan, locating a high grade. In order to be able to highlight the grade of the restaurant, Lu Bing also painstakingly spent only about 2000000 of decoration fees, and some prominent positions were specially decorated with gold foil. At that time, Lu Bing spent nearly 500 thousand yuan to buy 6 kilograms of gold.

But it didn't last long, because it had never been a restaurant business. A few years later, Lu Bing decided to put the top hand out of the shop. When he turned over last year, because of the rising trend of gold prices, Lu Bing recovered all the gold foil he had used to decorate. In the introduction of friends, he came to the exclusive store of gold in Guangdong. I never expected this chance to make Lu Yue's interest in gold suddenly increase. At the beginning, 80 yuan / gram of gold had rushed to 253 yuan / gram, a deal down, the original 500 thousand became about 1500000 yuan, Lu Bingjing earned 1 million yuan, and this suddenly aroused Lu's investment enthusiasm for gold.

Experience: your strength is steady.

So from the most basic knowledge began to learn, Lu Bing accumulated knowledge bit by bit. He said: "because I have completed the primitive accumulation of capital, in short, it is a game of financial freedom and too much risk. I do not like to take part in it. More assets are preserved, and now I do more paper gold. The safety of paper gold is relatively high, liquidity is good, the fluctuation per gram per day is not large, usually under 2 yuan, the fluctuation range is less than 1%, which is more suitable for me. Now the global liquidity is inflated, the pressure of inflation is also very large, and the depreciation of the US dollar is a big trend. I think the price of gold will still rise. Some analysts believe that in 1 years, the price of gold will rise to $2000 / ounce, although some are too optimistic, but I think that the probability of rising to 1500 dollars / ounce in the year is still very large. Compared with the current 1400 dollars / ounce, the increase can reach 7%, which has already won a lot of inflation. From the next 5 to 8 years, the possibility that gold will break through 3000 US dollars / ounce is also very great, so I prefer this investment product.

Investment experience

In an interview with reporters, Lu Bing talked about his investment experience: "the first thing to make money is purely accidental, but it also gave me an inspiration. I found that investing in gold is a long-term matter. No one can expect short-term fluctuations. The last winner is often the most patient. My money basically is to make a configuration, of which 20% invested in paper gold, and the remaining 80% invested in physical gold. Paper gold is mainly for short-term speculation, for example, the recent turmoil in the Middle East and Libya, so that the price of gold will surge in the short term. This kind of event will generally have short term quotations, so I will buy it at the right time and sell it when the event is easing. Under normal circumstances, the volatility of paper gold is very small, fluctuating up to 2 yuan a day, but after this sudden event, the amplitude will increase, and a wider oscillation will occur, which will have arbitrage opportunities. However, the risk of doing this is also relatively large, because ordinary investors are hard to grasp the progress of the event itself, sometimes beyond your expectations, so basically, this part of the investment is "addiction", most of the configuration will be placed on physical gold. One of the keys to success in physical gold investment is patience. If you care too much about two days a day, or even a year or two, it's hard to become a successful gold investor. Over the past ten years, gold has risen by 500%, but the real acceleration is three or four years. During this period, the price of gold has gone through many twists and turns. If we can not accept the test, it will be difficult to get a huge profit. I personally believe that the cycle of buying physical gold is long enough for you to spend more than 10 years, and you can't invest all of your assets in gold, but as a configuration.

Lu told reporters a secret: "because the first investment success, I now form the habit of gold fixed investment, generally speaking, I will buy gold once a quarter, usually 50 grams, from last year to now, I have almost bought half a kilogram of gold, this habit I am going to keep it up, I believe that the price of gold in the next ten years is doubling is not a problem." {page_break}

Gold investment is still risky

There is no doubt that gold has great charm. Compared with investment stocks or funds, investment gold has a much smaller risk in some aspects, but this does not mean that there is no risk in holding gold. Yesterday, the reporter interviewed Yang Huining, President of Guangdong Gold Association. He said that although in the long run, the preservation function of gold is powerful, it still contains many risks.

Structural risk

The investment instruments of gold derivatives are like an inverted Pyramid in terms of structure. The gold promised is far more than the number of targets. The balance of Pyramid's business is credit. Market expansion is based on gold financing and physical gold link on the basis of credit expansion. For example, a gold investment fund can buy physical gold from a commercial bank, but the bank suggests that he buy gold paper instead of real gold. The commercial bank actually has only a small amount of gold bricks, but it provides many gold bills and meets the delivery requirements. The holders of the bill do not own gold, they only have the bank's promise to pay the bill.

Exchange-rate risks

In the long run, fluctuations in the RMB exchange rate will have a certain impact on domestic gold investment. As the international gold market is mainly priced in US dollars, if the international gold price remains unchanged, if the renminbi appreciates against the US dollar and exceeds the gold price increase, then investment in gold may lead to a loss.

Opportunity cost risk

Gold cannot survive, so the long-term cost of holding gold is very high. This leads to long-term holdings of gold, which can not only increase value, but is difficult to maintain. In the long run, holding gold is equivalent to holding money and depreciating it.

For enterprises, the opportunity cost of holding gold is also great. Although the long-term trend of gold prices is rising, the change is slow. The daily price volatility of a firm gold transaction is usually less than 3%. The time that enterprises hold gold is generally longer, so for enterprises, the liquidity of gold is poor. If an enterprise needs a liquid capital to purchase raw materials, it may cause problems of inventory turnover due to insufficient liquidity. Therefore, enterprises have the opportunity cost to hold gold, which may affect the operation efficiency of enterprises and make enterprises miss some profitable opportunities.

price risk

In recent years, the price of gold has risen sharply, and the risk of investment in gold has increased. Although the risk of stock market investment is lower than that of the two tier market, it can not be said that there is no risk at all. Gold prices are mainly affected by factors such as US dollar, oil price, international situation and international speculative capital. If the situation in Libya and the Middle East alleviates in the short term, it may also cause a big fluctuation in the price of gold.

Another important factor affecting the sharp rise and fall of gold prices is speculation. Speculation has helped the gold market perform well. Speculators are good at making use of all available information, artificially amplifying market signals and creating prosperous market scenes, thereby affecting rational expectations of ordinary investors, attracting them to enter the market and taking risks of fluctuations in gold prices.

In recent years, 85% of gold consumption has been spent on jewellery, while the rest is mainly invested. The rise and fall of the price of gold is that the remaining 15% of speculative demand is making waves.

According to the World Gold Council's report, the investment and speculative demand for gold has been greatly increased, which will make the future price of gold fluctuate greatly and increase the investment risk.

Liquidity risk

This risk is particularly prominent when customers build positions and close positions. When the warehouse is built, traders are unable to enter the market at ideal time and price, and can not operate according to the expected concept. When the price presents a continuous unilateral trend, the market liquidity decreases, so that traders can not liquidate in time and suffer heavy losses.

Therefore, in order to avoid liquidity risk, customers should choose high quality gold investment companies with large market capacity, continuous quotation, high reputation and various operation modes.

Risk of forced liquidation

In margin trading, when the risk is up to the required level, the company will liquidate the client's position. If the price fluctuates and the margin of the customer can not be filled within the stipulated time, the trader may face the risk of forced liquidation. Therefore, when customers are trading, they should always pay attention to their own funds and prevent the shortage of margin, resulting in forced liquidation and great losses to them.