Elephant News reporter Wang Haofeng and Li Peng
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Recently, gold prices have hit record highs, and the price of gold jewellery in some leading gold jewelry brand stores has exceeded 700 yuan/gram. As the price of gold continues to rise, many investors and consumers have flocked to the gold market in hopes of getting a piece of the pie. However, there are also many risks and pitfalls hidden in the wave of chasing gold. If ordinary people blindly invest in gold, it is easy to "step on the pit", and they need to pay attention to the related risks.
There are many ways to invest in gold
For the general public, domestic gold investment is divided into two general directions - online investment (virtual investment, paper gold) and offline investment (physical gold). The most typical way to invest offline is to go directly to a gold jewellery store to buy gold jewellery, or buy gold bars directly.
(The person in charge of the Guojin Gold Region, the financial planner)
"There are many channels to buy gold bars, and the common formal channels are major gold jewelry brand stores such as China Gold, as well as banking channels such as Bank of Communications, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China, and China Construction Bank." According to the person in charge of the Guojin Gold Region and the financial planner, because the gold bar has no process in it, the processing fee is low, and the various additional expenses are not high, basically according to the real-time basic gold price plus a little handling fee, the general customer buys gold bars in the bank, and most banks have repurchase business, and the realization is also very convenient and fast.
Gold jewelry in gold jewelry stores is usually priced by gram weight, which can meet some investment needs while being worn. "But gold jewellery has a higher processing fee and is less valuable than gold bars. In addition, when recycling, because the gold jewelry has to be melted down, the general jeweler will recycle it at the market price with reference to the market price and then deducting the service fee, and the recycling cost is also higher than that of gold bars. ”
"Compared with other investment products, gold as a wealth management product has many advantages, such as no inheritance tax; Strong liquidity, easy to mortgage; Price transparency; It can fight inflation, etc. ”
"We once did a survey and about 80% of the people who bought gold in Zhengzhou did so for the purpose of preserving its value." Zhang Jie, president of Zhengzhou Jewelry and Jade Jewelry Industry Association, said.
How much is appropriate for ordinary people to invest in gold as a wealth management product? Tong Generations said: "The proportion of gold investment in personal investment portfolios, it is better to invest in gold with 5% ~ 15% of family assets, and do not invest in gold with the thinking of stock speculation." ”
There are many ways to invest in gold jewelry, and experts give advice: this is the most cost-effective way to buy
(Mu Qiang, former director of Henan Jewelry Quality Supervision and Inspection Station)
"Consumers invest in gold jewelry, one is to recognize the brand, the other is to recognize the quality." Mu Qiang, the former director of the Henan Provincial Jewelry Quality Supervision and Inspection Station, said that many brands of gold jewelry are not necessarily produced by themselves, and there are multiple brands purchasing goods in the same production enterprise.
"The goods of a factory may form a lot of brands, and my label is my brand, and his label is his brand, and the phenomenon of product homogenization is very serious. In the case of the same quality, the cheapest is the best value. Mu Qiang explained.
"If it's for investment purposes, it's best not to buy gold jewelry at a fixed price. Otherwise, you'll lose money when you cash out. Mu Qiang said that the fixed price of gold jewelry refers to the gold jewelry is not based on the weight but by the piece, the price includes manual fees and brand premiums, etc., which is often much higher than the price by grams. The profits at a fixed price are frighteningly high. Some fixed-price gold jewelry, after weighing, is calculated by gram, and the price per gram is more than double the gold price of the day. If you don't pursue the brand, just to preserve the value of the investment, it's best not to touch. Mu Qiang reminded.
For concepts such as 5G gold, 3D gold, and ancient gold in gold jewelry, Mu Qiang reminds investors to avoid these products. "At present, some of the jewelry industry is playing with concepts, such as ancient gold, the original labor cost of ancient gold reached 40~60 yuan a gram, and now it has fallen to 8~10 yuan a gram, in fact, the process value of ancient gold is not so high, it is recommended not to follow the trend."
If you want to realize the price of gold, you must choose a regular merchant
Gold prices are hovering at high levels, and the repo market is hot. "Gold recycling should refer to the market price, and don't believe in the 'high-price recycling' advertisement." Generations of people remind that it is impossible for merchants to buy and sell at a loss, and "high-price recycling" will mostly find fault with purity and quality in order to achieve the purpose of low-price recycling.
"Where you buy gold, you sell it, and the spreads are usually the smallest, which is basically the best deal." Advice from the generations. "This is because the repurchase of this brand of goods does not need to be re-inspected, and can be reprocessed and sold, so it saves an inspection cost."
Zhang Jie introduced that at present, Zhengzhou has two nationally recognized authoritative appraisal institutions, the National Jade, Gold and Silver Jewelry Quality Inspection and Testing Center and the Henan Gold and Silver Jewelry Quality Supervision and Inspection Center, which are authoritative and legal. "Once there is a dispute over quality and purity, it is recommended that consumers complain to the Consumer Association, and our association can also provide free identification services." In addition, he said, testing points have also been set up in some large wholesale centers and large shopping malls such as Jinduoyinduo and Jewelry City to help consumers test.
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