Shen Boyan: How to invest in gold? Even beginners can understand!

goldShould I still buy it?


Although the gold price has recently rebounded, the popularity of the Spring Festival has successfully attracted everyone's attention. Foodies may ask, can this gold still be used? Let's first briefly understand the reasons for the sharp rise and fall in gold prices during this period.





There are many factors that affect the price of gold, but during this period, the main one is the inflow and outflow of funds in the stock market. The global stock market plummeted, and funds sought refuge, naturally pouring into gold.


But such funds often come and go in a hurry, and when the prices of risky assets stabilize, their withdrawal can also trigger a short-term drop in gold prices. Here are some industry viewpoints for your reference:


Guotai Junan Ren Zeping: Suggestions for future global asset allocation, gold>US treasury bonds>Euro Japanese bonds>dollar>Euro Japanese Yen>Emerging economy debt>US shares>European and Japanese stocks>bulk>Stocks of resource-based emerging economies.


Huatai Securities: It is expected that with the normalization of US monetary policy, the debt risks of some fragile economies and industrial chains will gradually be exposed, but not enough to trigger global liquidity risks. Therefore, gold assets have good allocation value for a long period of time. However, at the same time, the conditions for the shift in US monetary policy are not yet mature, and it is premature to say that the trend of gold prices will rise.


The vegetable guide suggests that gold has a certain safe haven value, and everyone knows that investing should not put all eggs in one basket. It is advisable to allocate some gold appropriately to reduce asset risk. However, due to the many factors that affect the price of gold, it is not recommended to pursue short-term returns and overly focus on short-term price fluctuations of gold.







How should we allocate gold assets?


There are many ways to configure gold, including physical gold, paper gold, and goldfutures, bank financial products, Internet financial products, gold funds, etc. Boyan has compiled some configuration methods that are easy to operate and have a low threshold.


1Gold jewelry+Gold bar


The simplest way to buy gold is to go to a gold store and buy gold rings, gold chains, and gold monkeys, but when buying gold jewelry, processing fees also need to be included. Therefore, they are still more suitable for collection and not suitable for investment.






Another way is to buy gold bars, but in order to monetize them, some transaction fees need to be paid.


2Gold Fund


Gold is not familiar to everyone, but funds are more familiar to everyone. We can buy gold by buying funds.


There are currently three types of funds related to gold: one is tracking gold in foreign marketsQDIISecondly, tracking the gold in the domestic marketETFThirdly, there are non-ferrous metal index funds including gold.


The main gameplay of gold funds is as follows:


（1）On exchange trading


Applicable Fund: GoldQDII-LOFGoldETFColor grading.


Characteristics: Buying funds like buying stocks is convenient, flexible, and cost-effective (compared to over-the-counter funds).


Applicable instructions: Currently, there are seven gold funds that can be traded on the exchange, and the list is as follows.


AGoldQDII-LOF, in total3Only: Jiashi Gold（160719）E Fund Gold Theme（161116）Huitianfu Gold and Precious Metals（164701）


BGoldETF, in total4Only: Hua'an HuangjinyiETF（518880）Boshi GoldETF（159937）Guotai GoldETF（518800）E Fund GoldETF（159934）


In addition, you can also buy colored graded funds that invest in stocks of gold companies, such as colored funds800B （150151）ColoredB（150197）Wait.





（2）Off site redemption application


Applicable Fund: GoldQDIIHua'an HuangjinyiETFConnect, Alibaba Deposit Fund, and Colored Graded Master Fund.


Features: Just like normal fund subscription, it is easy to get started and can also be used for regular investment.


Applicable instructions:


A、ETFActually, it can be purchased off the market, but the threshold is very high and it's not related to ordinary people because they usually need funds6More than a few digits.


In this case, you can purchaseETFThe Connection Fund. The so-called linked fund refers to buying a certain fundETFOff exchange funds of the fund. Hua'an HuangjinyiETFLink is currently the only golden link fund.


BIn addition to the Connect Fund, there is also an innovative product to choose from, which is Alibaba's Taobao. It's actually Boshi GoldETFThe off market share can be purchased in Ant Group.


Compared to other types of goldETFHigh threshold for off exchange subscription (usually requiring funds)6Number of digits or more), deposit in Jinbao1Starting from Yuan, the threshold is very low.


CIf you don't mind the low proportion of gold stocks in colored graded index funds, you can also consider subscribing to colored graded funds.


（3）Off exchange subscription and on exchange sale


Applicable funds: Three gold coinsQDII-LOF


Characteristic: Arbitrage using on exchange premiums.


Application instructions: To transfer off exchange funds into the market, it is necessary to complete the transfer custody procedures. When transferring funds purchased through different channels, it is necessary to inquire with the specific sales platform.





Boyan Tip:


1I want to buy goldQDII: GoldQDIIInvesting in foreign goldETFIt belongs to active funds, and the gold asset allocation ratio of each fund is different.


Compared by Boyan, the gold quality of Nuoan and Jiashi is relatively pure（80%The investment scope of E Fund is the most flexible（48%-95%）Huitianfu also invests in other precious metals with the most diverse purity. If you want to diversify the risk of gold, you can consider the latter two options.


2I want to buy goldETFOn exchange trading should pay attention to product liquidity, and it is best to choose varieties with larger scale and better liquidity.


3Want to buy rating: ratingBThe leverage is very strong, and on the first day of trading, the colored index rose nearly4%, related gradingBDirect limit up! When the market is good, take advantage of the classification of non-ferrous metalsBIt's possible to make a small profit.


However, it should be noted that food lovers should be gradedBAfter all, it is a high-risk product, and it is not recommended to hold it for the long term if you are not an experienced player with a keen sense of smell.






3GoldO2O


Nowadays, buying gold can be easily done online without following the middle-aged ladies to the gold store for shopping. GoldO2OIt is a small expenditure rising under the boom of Internet finance.


It combines online and offline buying and selling of gold, with online options for buying and withdrawing gold, and offline options for depositing and exchanging gold jewelry.


Taking the "Gold Wallet" as an example, investors can buy gold on the platform, and the buying price is fully synchronized, which can be exchanged for physical gold at any time.


You can also earn a price difference in gold and earn interest. The annualized yield of current deposits is2.0%-2.8%Between, the annualized return on regular deposits is3.2%-6.8%between.


Boyan Tip:


Now there are more and more Internet gold investment platforms. When choosing, food lovers should try to choose those with large transaction volume, reliable investors and security guarantees

Author: Shen Boyan