Is it cost-effective to invest one golden bean per month?
Gaining income from gold price fluctuations Recommended bank deposits and gold ETFs
"Have you saved gold beans today?" "It's better to save money than gold beans." Recently, each golden bean weighing only 1 gram has become the new favorite of many young people, and some people have even developed the idea of buying one every month. Habit.
Is it reliable to save gold Doudou financial management?
Professionals believe that the investment threshold for gold beans is low, and it is not inappropriate as a way to invest in physical gold, but it must be purchased through formal channels to avoid risks such as insufficient fineness and insufficient weight.
From the perspective of obtaining investment income, accumulating gold beans is not an ideal way to invest in gold. In contrast, bank deposits or gold ETFs may be more suitable.
Young people save "golden beans"
"Equivalent to a fixed investment in gold"
Why "Golden Doudou" has become the new darling of young people's financial management?
A reporter from Beijing Youth Daily interviewed a number of netizens who have bought "Golden Doudou". Some of them want to invest in this way; some hope to save a certain amount of Golden Doudou to exchange or create their favorite gold jewelry; It's just seeing someone on the social platform basking in golden peas and grass being planted.
Regardless of the purpose, these young people will emphasize that "a golden pea is a few hundred yuan, which is affordable."
Xiaomi, who just started working last year, told the Beiqing Daily reporter that a gold bracelet she liked cost more than 10,000 yuan, "I spend a few hundred every month to buy a 1-gram gold beanie, and I'll change it when I save 20 pieces. bracelet."
Xiaomi has now saved three golden beans, and when I bought the first one, the seller gave me a small glass bottle.
Every time there is a golden bean in the bottle, she will take a picture and send it to the circle of friends.
Xiaomi feels that this process is very ceremonial.
Xiaoting's mother buys a 100-gram gold bar every Spring Festival.
She remembered that the price of gold used to be less than 300 yuan per gram, but now it is 400 yuan.
Xiaoting feels that investing in gold can be regarded as a financial management channel, but most of the physical gold bars in banks and gold stores are more than 10 grams, and at least a few thousand yuan, she can't afford it at this stage.
"There is no pressure to buy a gold bean." Xiaoting said that she will adjust the rhythm of buying gold peas according to the gold price and income. Generally, she buys one a month, but the gold price drops significantly or the monthly bonus is more. At times, I may buy one or two more, "it's equivalent to making a gold investment."
Unlike Xiaomi and Xiaoting, Xiaojia buys golden peas just for fun, and wants to experience the process of gradually filling glass vials one by one.
"My vial can hold 100 pieces, and now I have 5 pieces." The family supports Xiaojia in saving gold peas, and she herself thinks it is as interesting as saving steel buckwheat in a piggy bank when she was a child.
To buy golden beans, choose formal channels
Prevent the risk of fineness and insufficient weight
It is understood that at present, many merchants will sell 1 gram of golden beans, but the price difference between different merchants is very large.
The Beiqing Daily reporter saw on the e-commerce platform that the lowest price of 1 gram of golden peas is about 396 yuan, and the most expensive is about 576 yuan.
They are all smooth in appearance, 999 in fineness, and no complicated workmanship. Why is the price gap of Jindoudou so big?
Song Jiangzhen, a gold analyst, pointed out that the gold product itself has no complicated process, and the processing cost is low. In theory, the price should be closer to the real-time raw material gold price, and there will be no higher premium. Consumers should not be misled by merchants. .
A reporter from Beiqing Daily noticed that in order to save money, young people generally prefer to buy golden beans through online merchants.
Compared with brand gold, which clearly indicates the weight and fineness, online shopping of gold peas requires more attention from buyers.
Some netizens posted on social platforms that they followed suit and bought Xiaojindou but they were fooled.
According to the netizen's self-reported, she bought "Golden Doudou" known as "Thousand Pure Gold" at a price of 400 yuan per gram. When she got the gold counter for verification, she was told that the condition was insufficient. Even if the counter was recycled, she could only give a relative Lower price.
In order to buy genuine golden peas, many young people also go to great lengths.
First, collect information on e-commerce platforms and social media, ask netizens to recommend reliable merchants, and then buy one to test the water.
Zhu Zhigang, chief gold analyst of the Guangdong Gold Association, suggested that consumers must see the gold content of gold beans when buying online, and try to choose brands with guaranteed quality; they can also buy offline and directly see the product itself. less risk.
Zhang Juntao, senior analyst of Industrial Research, pointed out that gold beans are essentially a kind of physical gold, but they are different from traditional physical gold.
Compared with investment gold bars and coins, the fineness and specifications of gold beans are not uniform, and there is a lack of endorsement by authoritative issuing agencies; compared with gold jewelry, the craftsmanship value of gold beans itself is low.
The biggest feature of golden beans is that the investment threshold is low, but investors also face risks such as insufficient fineness and insufficient gram weight, and the liquidity of future realization is even worse.
There is a difference in recycling
It may not be worthwhile to exchange physical gold for money
People like Xiao Ting who want to get the benefits of gold spreads plan to exchange for cash when the gold price rises.
However, gold recycling is not as simple as they thought.
On April 2, a Taobao store with monthly sales of more than 1,000 sold 1 gram of gold beans at a price of 397 yuan. The customer service said that this store can also be recycled, and the recycling price is 385 yuan per gram.
This means that even if the price of gold does not fall, it will lose 12 yuan per gram when it is recycled; buyers can only make money if the price of gold rises more than this spread.
It is understood that the price difference of 12 yuan is already small in the market, and the gap between the gold price and the recovery price of many well-known brand gold stores is even greater.
Ms. Zhang, the manager of a well-known brand gold shop in Dongcheng District, told the Beiqing Daily reporter that the jewelry gold price of the brand on that day was 511 yuan per gram, and the recovery price was only 364 yuan, a price difference of 147 yuan per gram; the price of investment gold bars per gram 465 yuan, the recovery price is 384 yuan.
Ms. Zhang believes that it is not very cost-effective to recycle physical gold for money, especially for gold jewelry with complex processing, which is already expensive, but it is cheaper due to the troublesome process during recycling.
This kind of gold peas is similar to investment gold bars. It is more cost-effective than gold jewelry when recycling, but the price difference is not small.
Want to make money from rising gold prices
Choose bank deposits or gold ETFs
Wang Yanqing, an analyst at CITIC Construction Investment Futures, believes that the single investment amount of golden beans is small, which can meet the savings needs of investors who accumulate more, so it is favored by some investors.
There is nothing wrong with gold beans as a way to invest in gold, but the premise is that they are purchased through formal channels, and you still need to pay attention to the risk of falling gold prices.
If you want to gain income from gold price fluctuations, is there a better gold product?
A number of industry insiders and investors who have long been concerned about gold have recommended the bank's accumulated gold business and gold ETF to the Beiqing Daily reporter.
The so-called accumulation gold means that customers can buy gold from the bank through fixed investment or active accumulation and deposit it into the accumulation gold account.
Investors can exchange, redeem, transfer and pledge the accumulated funds.
The accumulated gold business implements one-day multi-price according to market price fluctuations, because only gold is bought and sold in the account, and physical gold is not involved. The accumulated gold price at the same time point is the same as the redemption price.
Taking ICBC's accumulated gold as an example, the active accumulation price and redemption price of the accumulated gold on April 2 were both 395.6 yuan.
Investors need to pay a certain handling fee to the bank when handling the accumulation or redemption of accumulated funds.
Investors can also go to designated outlets to exchange accumulated gold and exchange for their favorite physical gold products within the designated product range.
The bank will convert and deduct the gold balance of the accumulated gold account according to the redemption price at the time of acceptance and the price of the product to be exchanged by the investor, and make up for the shortfall with money.
The basic principle of gold ETF funds is the same as other ETF funds. It is an open-end fund that is based on gold, closely tracks the price of gold, and is listed and traded on the stock exchange.
Taking E Fund Gold ETF as an example, the proportion of its investment in gold spot contracts is not less than 95% of the fund's net asset value. The benchmark for performance comparison is the closing price of the Au99.99 spot real contract on the Shanghai Gold Exchange.
Gold ETF implements T+0 trading, which can be bought and closed on the same day. The investment threshold is low. One lot of ETF funds represents 1 gram of gold.
Gold ETFs need to be operated through stock accounts. Investors without stock accounts can also purchase gold ETF link funds through fund distribution channels such as banks, Alipay, and Liaitong, and invest in gold indirectly.
Wang Yanqing believes that from the perspective of risk, accumulated gold and gold ETFs are the most suitable for ordinary investors.
Gold ETF investment is more flexible, with physical gold as the support, and the price trend closely follows the domestic gold spot price, which can be purchased and redeemed at any time; if there is a need to withdraw physical gold, the accumulated gold will be more suitable, especially the accumulated gold fixed investment can be Avoid the interference caused by human misplaced judgment.
Regardless of the investment method, the risk of falling prices is the biggest risk of investing in gold.
Zhang Juntao believes that accumulated gold has the characteristics of low investment threshold (generally starting from 1 gram) and stable investment to stabilize fluctuations.
For individual investors who are not very experienced in investing, accumulating gold is a safer choice, while more experienced investors can choose gold ETFs.
He also reminded that investing in gold needs to pay attention to two risks: on the one hand, choose formal investment institutions, such as banks and brokerages, and be wary of various "gold spot trading" black platforms; on the other hand, although accumulated gold and gold ETFs are There is no leverage, but there is still a risk of large losses when the price of gold is highly volatile.
Text / reporter Cheng Jie