Gold investment leads people to feel there unattainable, but with the opening of domestic gold market, and now spend over 200 yuan can join the "gold" team up. ICBC launched the current gold accumulation operations can be realized gold investment, the minimum can be as long as the deposit of 200 yuan. However, the reporter learned that the business has not opened the redemption feature extraction is only wishful gold. Will vote for the gold, experts advise, will have to choose the right time to vote, will vote for in the off-season purchase of gold, if gold season, a one-time purchase, or more riches.
Redemption is not open to low-threshold
It is understood that the bank was formally launched by the end of January this year, will vote in the gold business. ICBC branch in Guangdong Province, according to the relevant figure, when the business need only 200 yuan, or 1 gram of gold can deposit. Customers deposit money after the establishment of a wishful accumulation account, and can select the periodic accumulation or active accumulation of two forms of investment. The accumulation of gold, customers can choose redemption, cash, to the Industrial and Commercial Bank of China can extract physical gold bullion.
This is what gold will cast the most attractions: Investors can choose cash redemption, but also to the extraction of physical gold bars, Industrial and Commercial Bank of China, in theory, get foolproof security: gold goes up, cash (money) profits ; gold dropped, cash (goods) hedge.
However, the reporter interviewed a number of ICBC outlets in Guangzhou, understand that cash is still not achieve redemption. Industrial and Commercial Bank of China branch of China Park, a client manager, said it has not opened the redemption of gold accumulation function, only buy not sell. In other words, to realize, can draw only physical gold. As the purchase is the bank's "ideal money", the minimum size is 20 grams, so must also be provided in-kind payments to 20 grams as a starting point. As for when to open the redemption feature, the client manager, said the planned opening of the first half, but have not yet opened.
Proportional to risk and return
It is reported that gold will cast the advantage of being able to judge the trend investors can not clear when the play folded down costs, spread risks. In addition, the product can alleviate the financial pressure, if not one-off large capital investment, they may choose will vote.
Many market participants also believe that gold will feature the biggest investment risk is spread, which has always been more respected in the investment industry. It is more suitable for long term investment, as some paycheck to paycheck, it can actually be cast for a small wage. However, often the greater the risk the greater the returns, and vice versa should not have too high expectations.
Reporters also learned that ICBC outlets, although the trading will not receive any investment fees, but the line "wishful payment" offer includes processing fee of 13 yuan, or purchase price than the Shanghai Gold Exchange's gold 13 yuan higher, while the selling price of gold according to raw material price recovery, that is synchronized with the Shanghai Gold Exchange quotations. Gold conducted a financial reporter who admitted, "To be cast on the profit from the gold, in fact, quite hard."
First half of the one-time purchase of fixed investment Gold gold PK
One-time benefit of 12 times to buy
Case:
Miss Wang is a white-collar family, this year she felt the shadow of inflation is getting closer, though not much savings, she wanted to point investment. In the first half performance to see the gold, Wang also buy gold points. Now that gold can be cast, and she hesitated to vote or the will to take a one-time purchase? Should the benefits be considered purely from the reporter for her simple calculations.
1. To January 25 Au9999 Shanghai Gold Exchange closing price of the cost price, June 25 closing price for the sale of the same contract prices, the purchase fee (8 yuan / g) relatively inexpensive bars of Shanghai Gold Exchange 100 grams of an example:
Cost: 244.80 × 100 克 +8 per × 100 g = 25,280 yuan at current prices (June 25 closing price): 272.19 × 100 g = 27,219 yuan
Profit: 27,219 yuan -25 280 = 1939 yuan per
Two. If the same order on January 25 will begin to vote calculation, select the 25th of every month to buy 17 grams (half of 102 g), at the end of June (13 yuan gold has been included in processing fees):
Cost: (257.80 +253.55 +253.99 +267.30 +274.29 +285.19) × 17 g = 27066.04 yuan
Profit (100 grams): 272.19 × 100-27066.04 ≈ 153 元
Peak selling season set to vote
Zhi Han, said gold analyst repair taught the first half of gold on red soon, so will the cost of investment will be high, one-time purchase, will definitely lower investment earnings. Should the market but at the price of gold down, the fixed cost of investment will be diluted. To know, will be the biggest feature is the spread investment risk, to avoid a lot of buying from investors, the situation caused by the high prices. This has always been more respected investment industry, more suitable for long-term investment.
Do not know gold can choose each year to the second and third quarters, that gold be cast off-season began, and then in the first and fourth quarter, according to the short term the price of gold rising rate, such as the selection of 15% -20% profit taking, and then buy it back after the adjustment, it is the easiest way.
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