There are many ways to invest in gold, including physical gold, gold T D, paper gold, spot gold, international spot gold (commonly known as London gold), futures gold, gold advance payment and people's livelihood gold. These eight are popular forms of gold investment. If you invest in international spot gold, the gold price of 20 1058 USD/oz will be between 142 1 USD/oz, and the annual average gold price will be 1224.53 USD/oz. The exchange rate of RMB against the US dollar in 20 10 is about 1: 6.7,10.5 million RMB, which can be converted into10.5 million US dollars, and you can buy about 12.25 ounces of gold.
At present, the international gold price is 1770 USD/oz, and 12.25 oz can almost be exchanged for 2 1682.5 USD. However, at present, the exchange rate between US dollar and RMB is 1, 333,606.453, 2 1.682.5, which is equivalent to139,917 RMB. /kloc-the investment 0/0 years ago 100000 yuan,10 years later becomes140000 dollars. Do you think it is a profit or a loss?
If you invested in physical gold, that is, gold bars or gold jewelry, before 10, what is its value now? The gold price in 20 10 is about one gram in 300 yuan, and 65,438+10,000 yuan can buy about 333.3 grams. What's the current price of gold jewelry? As shown below, the most expensive gold in several major gold shops is 50 1 yuan/gram, and the cheapest is 470 yuan/gram.
Of course, physical gold is different from spot gold. The price of the physical gold recovered by the gold shop will be cheaper than the actual price. Just recycle it at the price of 450 yuan/gram. Then 333.3 grams of gold can now be sold to a gold shop for cash 149985 yuan, which is almost150,000 yuan. Although the cash price of physical gold is higher than that of spot gold, it should actually be similar. After all, the recovery price of 450 yuan/gram is our estimate, which may actually be lower. Whether investing in gold is a loss or a gain, we can assume that the result will be known in 65438+ universal deposit bank 10 years.
If 65,438+10,000 Yuan 20 10 is deposited in the bank, the five-year deposit interest rate of that year is 3.6%, and 65,438+10,000 Yuan is deposited for five years, and the principal and interest after maturity is1010000 * 3.6% * 5 =1/kloc. After 20 15 expires,118,000 yuan will be deposited for 5 years, and the 5-year fixed deposit rate of 20 15 is about 3.5%, and1/8,000 yuan will be deposited for 5 years.
As can be seen from the above calculation results, the value of investment gold held before 10 is basically the same as that deposited in the bank, and we all know that depositing money in the bank can't win inflation, that is, it can't preserve its value. Therefore, if you invested 654.38 million yuan in gold in 2065.438+00, you still can't win inflation. On the surface, it is a profit, but in fact it is a loss.
Related Q&A: Is it better to save 65438+ 10,000 yuan or buy gold bars? Can gold bars preserve their value? Investment gold bars (sometimes called investment gold bars) are a kind of gold bars, but they are not exactly the same as ordinary gold bars. To put it simply: investment gold bars are gold bars with pure gold content greater than 99.99% introduced by well-known gold companies, which can be bought and sold in real time according to the real-time price of Shanghai Gold Exchange or the international market for people to invest and manage their finances. (Common investment gold bars in the market, such as: Shandong Gold Investment Gold Bar, Admiralty Investment Gold Bar, Gaoyao Investment Gold Bar, etc. ) Since the establishment of Shanghai Gold Exchange in 2002, gold in China has gradually moved from national unification to marketization. In order to facilitate individual gold investment and turn the monetary assets in the hands of ordinary people into gold assets, the People's Bank of China and the Shanghai Gold Exchange put forward a brand-new investment concept of investing in gold bars. It can be said that investing in gold bars not only broadens the channels for transforming savings into investment and regulates the supply and demand of money, but also improves social welfare and benefits the country and the people by hiding gold for the people. The yield of gold investment can reach 20%-300%, or even higher. When the stock market fluctuates, funds are depressed, inflation leads to the depreciation of bank deposits, and real estate is facing strict macro-control, gold highlights its hedging function. Investing in gold is indeed a stable and rapid investment method. Market participants pointed out that, in comparison, China Gold and the investment-oriented gold products of banks have price advantages, and the repurchase channels are relatively smooth and the liquidity is guaranteed. However, the investment-oriented gold products of gold jewelry stores are more expensive, and the repurchase cost of some gold stores is also higher. With the continuous decline of international gold price, the enthusiasm of citizens in our city to invest in gold is gradually heating up. In 2023, investing in gold products was loved by the public, especially year of the snake's New Year ornaments and gold bars, which have become the main sales force of New Year's stalls. Compared with jewelry stores, the investment price of banks is relatively cheap, and the price per gram is similar to that of 380 yuan. The gold sold by banks can only be used for investment, not for jewelry, so the price is relatively cheap. According to an industry insider, buyers who invest in gold bars mainly aim at investment and collection, and generally choose to buy at a low time. Recently, the international gold price has continued to fall, and products with small quantity and high collection value, such as New Year's gold bars and gold medals, have set off a buying boom.