Gold prices continue to rise, and many financial institutions have also launched a variety of gold-linked wealth management products.
The reporter inquired on relevant websites and found that recently, CMB Wealth Management, Everbright Wealth Management, IB Wealth Management and other institutions have launched "gold-containing" wealth management products. It is understood that the products are mainly "fixed income + gold" wealth management products and structured wealth management products linked to gold targets. A bank customer service manager said that affected by the rising trend of gold, the performance of "gold-containing" wealth management products was outstanding, attracting many investors to participate.
The reporter learned that since the beginning of this year, the annualized rate of return of many institutions' "gold-containing" wealth management products has exceeded the performance benchmark range of 3% to 5%, and some products have been raised within a week of issuance. However, the high price of gold has also raised concerns among some investors about such products.
Zhan Junyi, an investor in Shanghai: As an investor, gold is now at a high level in the market, and at this time, I think the risks may outweigh the opportunities when allocating gold-related fixed income wealth management products.
Industry insiders said that when buying "gold-containing" wealth management products, they should fully understand the characteristics and potential risks of the products. Although gold has a certain safe-haven function, the volatility of gold prices cannot be ignored.
Gu Fengda, non-ferrous metals industry analyst of Guosen Futures: The recent explosion of gold and silver has caused some market worries. If you buy this type of product further, you may face the disappearance of excess returns and low returns. At the same time, it is also recommended that you reasonably allocate products in stages, and do risk control for position adjustment and take-profit and stop-loss.