Tiger Year gold jewelry is frequently out of stock.
Citizens buy gold in the store.
Widely observed
"Recently, jewelry gold sales have been booming, especially the Year of the Tiger gold jewelry has frequently sold out, and the Year of the Tiger zodiac gold bars have sold as much as much!" Dai Chongye, manager of Guangzhou Dongshan Department Store, told reporters that the data from New Year's Day to the 14th showed that the sales amount of jewelry gold in Dongshan stores rose by 17% year-on-year, and the sales amount of investment funds also rose by more than 4% year-on-year. The reporter learned that the store of Guangdong Yuebao Gold Investment Co., Ltd. Guangdong International Building has sold up to 51.3 kg of gold products this month.
Near the end of the year, the gold consumer market has entered the peak consumption season. In addition to the hot offline sales, the reporter paid attention to the fact that some banks are also selling gold bars, gold pieces and other items online, but at present, there is a maximum price difference of 9.5 yuan / gram on the online price of bank gold bars, and most products do not support repurchase. Some insiders remind that for gold investors, it is not recommended to buy gold collectibles, and more recommended to buy gold bars. In addition, the traditional peak sales season for physical gold sales around the Spring Festival is not suitable for entering the market at the current time.
Text, photo/Guangzhou Daily all-media reporters Wang Chuhan and Zhang Lu
Concern 1: The maximum price difference between the price of online gold bars is 9.5 yuan / gram
The reporter paid attention to the fact that Pudong Development Bank, Qingdao Rural Commercial Bank and Bohai Bank have all opened flagship stores on JD.com to sell gold bars, gold pieces and other items online. Judging from its selling price, there is a spread in the price per gram of gold. Taking the products sold in the flagship store of SPDB as an example, the maximum price difference is 9.5 yuan / gram. Specifically, as of the reporter's press release, among the gold bar products displayed by the store, 5 grams of products are priced at 1992.5 yuan (398.5 yuan / gram), 20 grams of products are priced at 7890 yuan (394.5 yuan / gram), 50 grams of products are priced at 19450 yuan (389 yuan / gram), and 100 grams are priced at 38950 yuan (389.5 yuan / gram). The store's customer service staff said that the same product has different specifications of different activities, gold prices fluctuate every day, and prices rise and fall in the short term. In addition, the reporter noted that the announcement of the change of the main body of the store displayed on the home page of the flagship store of SPDB showed that the main body of the store and the main body of the collection account were changed to the name of Shanghai Baozun E-commerce Co., Ltd.
In addition, China Construction Bank and others have launched souvenirs such as pressed gold banknotes. Among them, the Tiger Year Pressure Age Gold launched by China Construction Bank is 698 yuan / piece, and the product weight is 0.8 grams. In the product introduction, it is mentioned that China Construction Bank is a sales agency for the product and does not assume the responsibility for investment, redemption and risk management of the product. "The gold products related to the pressed gold banknotes issued by banks are more publicity and promotion of collectibles. Its price will be relatively higher than the actual price of the instant gold bar due to the cost of promotion and other costs. Chen Zhihao, a gold analyst at Guangdong Gold Mining Investment Group, said in an interview with the Guangzhou Daily all-media reporter that investors should see its color and weight; the color of some gold products may not be four 9s, only 99 or gilded.
Concern 2: Only 3 of the 10 gold bar products support repurchase
It is worth noting that most of the gold bars purchased online do not support buybacks. Taking the online flagship store of Spgiarica Bank as an example, as of the press release, there are a total of 10 gold bar products being sold, and the reporter learned from the customer service that only 3 of them support repurchase, and the repurchase is operated by the repurchase point designated by the supplier, and the bank branch does not support the repurchase. "There are only a few repurchase channels that can be repurchased by the store at present, and whether other channels support repurchase requires you to consult the corresponding channels." The customer service staff said.
Chen Zhihao said frankly that the gold bars sold by banks are more of a sales agent or only the seller, and it is impossible to set up equipment and sites for recycling inspection and responsible personnel. As a result, the vast majority of banks only sell and do not recycle, or only recycle at a designated location.
"Banks generally recycle their own bank's brand gold, if the bank does not buy back the gold it sells, the main reason is that the repurchase process is relatively cumbersome, there are not many small banks to recycle outlets, and there are many risks in mail recycling." Song Jiangzhen, investment director of Guangdong Yuebao Gold Investment Co., Ltd., analyzed that therefore, the general small banks will not buy back the gold they sell, and a large part of the gold sold by sprawl bank is also sold on behalf of the gold, the bank only provides brands and channels, and does not produce or purchase goods.
Song Jiang Zhen reminded that no matter how much money you buy gold, if you want to sell it, the company that recycles gold will only look at the color and weight of gold, and will not give you a higher price because of good gold craftsmanship or scarcity, so in the face of some marketing advertisements, investors still have to clarify their own needs.
Experts: It is not recommended to buy gold collectibles
For investors, how to invest in physical gold such as gold bars, gold jewelry, gold coins, and gold pressed banknotes? "Generally, we do not recommend buying gold collectibles. Because the cost of realization is relatively high, as a value investment, more advice is to buy gold bars. Chen Zhihao said that as for gold jewelry, gold coins and gold pressed banknotes, more attributes belong to collectibles, because the color, processing fee and issuance cost fee are relatively high, and the recovery is only based on color and weight.
Song JiangZhen said that as long as it is gold, it has value, but the price of these gold products is different in the case of the same weight and the same color. Therefore, according to the cost performance point of view, Song Jiang Zhen sorted them from high to low, saying that gold bars must be the most cost-effective, followed by gold coins, then gold banknotes, and finally gold jewelry, "Of course, these products will have their own characteristics, and the premium mainly comes from the difference in process costs, so gold jewelry will increase in price on the basis of gold prices!" Song JiangZhen added.
Reminder: It is currently not suitable for gold investors to enter the market
"Around the Spring Festival, the traditional peak sales season for physical gold sales, it is expected that sales will increase to a certain extent." Chen Zhihao said that for gold investors, the current timing is not suitable for entering the market. Historical price movements, most of this time period is usually the time of the year when prices are higher. After the end of the peak sales season, the gold price may have a sharp downward cycle.
Looking forward to 2022, Song JiangZhen believes that the gold price in 2022 does not have the possibility of a sharp rise, because the Fed policy will begin to tighten in 2022, or there will be 3 to 4 interest rate hikes, this main line will put more pressure on the gold price, but if the gold price falls below 350 yuan / g, you can still buy boldly.
Chen Zhihao suggested that investors wait and see, it is expected that the trend of gold prices in the next 6 months, or after a slight surge to test 390 yuan / g, the lower test will test the support near 360 yuan / g, and the important support below will be near 335 yuan / g; as a whole, the pattern of weak finishing will be maintained.
Source: Guangzhou Daily