Guoabong Wealth Management：International gold prices have repeatedly innovated high banks to deposit gold

The international gold price refreshed a record high in successionGuoabong Wealth Management. On March 9, the spot gold and COMEX gold in London broke through the historical high again. Among them, the highest price of the spot gold in London is only 2,200 US dollars/ounce.At 2203 US dollars/ounce.The rise in gold prices has prompted the heating of the bank's personal gold accumulation business. Some banks have increased the promotion of accumulative gold, and individual banks increase the investment threshold to increase the accumulated starting point amount.

Improve the "threshold" of investment

From March 6th to 8th, international gold prices ushered in a rising carnival. Three consecutive trading days set a record high in history. Among them, the highest record of spot gold in London reached US $ 2195.07/ounce;The historical high of the dollar/ounce.

Faced with the rise in international gold prices, bank -related gold investment business has also ushered in adjustments.Recently, Construction Bank announced that the regular accumulation of personal gold storage business has been adjusted from 500 yuan to 600 yuan.The successful regular accumulation plan before adjustment will continue to be implemented without affected.However, after the regular accumulation of the exhibition period expires, if the original plan accumulation amount meets the latest requirements of the bank, the exhibition period will be successful, otherwise the exhibition period will fail.Modifying the regular accumulation plan also needs to meet the bank's latest accumulation amount requirements.

For the reason for the regular accumulation of personal gold accumulation business, the Construction Bank stated that it is mainly to follow market changes.The bank will continue to pay attention to the changes in the gold market and adjust the above -mentioned starting point and limit amount in a timely manner.

"Recently, the international gold price has reached a high again, but the price of gold fluctuations is violent, reflecting the large market differences." Zhou Maohua, an analyst of the Financial Market Department of Everbright Bank, said that the starting point of the deposit deposit deposit on individual banks actually appropriately increase the business threshold, and it is also reminded to a certain extent.Investors pay attention to the potential fluctuations in the future, help the market to return to rationality, better implement the appropriate sexual management of investors, and help avoid problems such as potential investment disputes.

A reporter from Beijing Commercial Daily noticed that during the high level of international gold prices in December last year, Agricultural Bank also chose to raise the starting point of the transaction of accumulating gold to adjust the starting point of the previously 450 yuan Golden Tong No. 2 ratio to 500 yuan. The adjustment came into effect.The date is January 5 this year.

On March 10, the signature article published by the Financial Market Department of the People's Bank of China mentioned that it should strengthen the financial market monitoring and early warning and disposal mechanism.Improve the market risk monitoring and early warning mechanism of coins, bonds, gold, etc.

Increase the accumulation of gold business promotion

It is understood that the accumulated gold business refers to the bank's accumulated gold account for customers based on the customer's application to record the liability business of a certain amount of gold during a certain period of time.After the quantity, you can also extract physical gold products.In terms of investment threshold, the starting point of the fixed -grade gram (or amount) of most banks is 1 gram deposit (or equivalent value of 500 yuan), which can be increased at 0.01 grams (or 1 yuan).

With the rise of gold prices and the enthusiasm of gold investment, while increasing the threshold, banks have also increased the promotion of gold.On March 10, a reporter from Beijing Commercial Daily sorted out and found that recently, many banks such as Bank of India, Industrial and Commercial Bank of China and its branches have launched activities related to deposits.Kanpur Investment

Among them, the Bank of India's Xinjiang Sub -division has launched the accumulated gold theme day discount activitiesAhmedabad Wealth Management. By December 31st, a single deposit deposit is purchased every Friday, or the accumulated deposit payment date is Friday, which can enjoy 1 yuan/gram discount.Customers who buy a large amount of money can also enjoy the purchase discount ranging from 9.96-9.999 %.The Xiangyang Branch of Industrial and Commercial Bank of China launched a "accumulation and gift" event. Before May 31, customers took the initiative to accumulate money to participate in the lottery.

Regarding the reasons for the recent increase in the accumulation of gold business promotion, Zhou Maohua believes that recently, due to the continuous rise in gold prices, the market has heated up the enthusiasm for gold investment, and banks have actively promoted related businesses.The low investment threshold for depositing gold will help reduce the market volatility of one -time purchase of precious metals. Smooth price fluctuations, investors can get a relatively stable income; at the same time, the trading operation is also more flexible.

Risk -proof risk of rational investment

Gold has both investment and risk aversion. As the price of gold has repeatedly reached high, the enthusiasm of gold consumption investment has continued to rise, and physical gold and account gold have ushered in the peak of consumption investment.Many gold jewelry brands have been raised many times within a week. Taking Zhou Dafu as an example, as of March 10, the gold price of foot gold (jewelry, ornaments) is 663 yuan/gram, which is from 659 yuan/previous day/the previous day/659 yuan/yuan/yuan/yuan/yuan the previous day/Ke rose again.However, the soaring price of gold has not affected the enthusiasm of consumers' purchase. A reporter from Beijing Commercial Daily learned from a number of gold shop sales staff that in the past week, it is catching up with Women's Day, and gold jewelry sales have ushered in a peak again.

For gold investment, there are currently many channels to choose from on the market, and there are large differences in trading models, characteristics, and risks. Investors should fully understand and adopt the investment variety suitable for them.Among them, physical gold is the most traditional way, but the investment gold bar is relatively large. Therefore, such investment methods are more suitable for long -term investors with abundant funds. It is worth noting that the manual costs of gold jewelry are generally high.Gold jewelry is not cost -effective as an investment.

Compared with physical gold, accounts such as accumulated gold have the advantages of low thresholds.Wang Hongying, Dean of the Institute of Financial Derivation of India (Hong Kong), said that compared with physical gold, the purchase threshold for accumulating gold is low, which is convenient for ordinary investors to buy.Professional investors with strong risk tolerance can buy investment products such as gold stocks, gold futures, and gold options.

Regarding the follow -up trend of gold prices, Wang Hongying believes that because the global liquidity environment is still relatively abundant, the fundamental factors that promote the rise in gold prices in the US dollar depreciation and international geopolitical conflicts are still existing. It is expected that gold prices will maintain a certain stage of upward trend in the future.From the perspective of investment or risk aversion, the popularity of future gold investment consumption is expected to continue.

"However, at the stage where the gold price breaks through a record high, no matter which investment method is adopted, you must keep in mind that you can do it, especially if you do not excessively increase leverage to chase gold. When the price of gold is adjusted, investors can choose to suitable for their own financial resources and their own financial resources and their own financial resources and"Golden products at the level of risk management" Wang Hongying added.

Zhou Maohua suggested that at present, gold is at a high level of history, and there are still many uncertain factors that affect the trend of gold price. It has high requirements for investors' professionalism. From the perspective of steady investment, investors need to be rational investment and a diversified investment portfolio to grasp the accumulation of accumulationThe rhythm and prevent potential fluctuation risks.

Beijing Business Daily reporter Li Haiyan

Udabur Wealth Management