I believe many people have heard of the proverb: "antiques are hidden in prosperous times, and gold is bought in troubled times." I believe you know better than I do what the world is like now, and it will remain prosperous for a long time to come. So from this proverb, you can know whether it is right or wrong to buy a piece of 100g of gold every year.
Of course, the words are unfounded, and the data speaks for itself. We analyze the data in the last ten years (interest can be extended to 20 or even 30 years). If you invest according to your idea, how much is it worth to invest 100g gold every year? Can you preserve the value? What is the appreciation rate? For the convenience of calculation, the annual amount is calculated as an integer:
20 12 June: the price of gold is 300 yuan /g, 100g, with a total investment of 30,000 yuan.
201June 3: the gold price is 240 yuan /g, 100g, with a total investment of 24,000 yuan.
201June 4: the gold price is 260 yuan /g, 100g, with a total investment of 26,000 yuan.
2065438+June 2005: The gold price is 240 yuan /g, 100g, with a total investment of 24,000 yuan.
2065438+June 2006: The gold price is 300 yuan /g, 100g, with a total investment of 30000 yuan.
2065438+June 2007: the gold price is 275 yuan /g, 100g, with a total investment of 27500 yuan.
2065438+June 2008: The gold price is 265 yuan /g, 100g, with a total investment of 26500 yuan.
2065438+June 2009: The price of gold is 300 yuan /g, 100g, with a total investment of 30,000 yuan.
June 2020: The gold price is 420 yuan /g, 100g, with a total investment of 42,000 yuan.
June 20265438+0: The price of gold is 360 yuan /g, 100g, with a total investment of 36,000 yuan.
In the last ten years, you have bought 1000g gold, and the total cost is:
3+2.4+2.6+2.4+3+2.75+2.65+3+4.2+3.6 = 296,000 yuan. According to the latest international gold price of 360 yuan/gram, the total value of 1 1,000 grams of gold you hold is 360,000 yuan, which is higher than your purchase cost.
We calculate according to 4% of the bank 1 year wealth management products, and renew the insurance directly every year. You will find that there is little difference between the money earned by directly choosing financial management and the money earned by investing in gold: 30000 * (1+4%) 9+24000 * (1+4%) 8+26000 * (1+4%) 7+20. ( 1+4%) 4+26500 * ( 1+4%) 3+30000 * ( 1+4%) 2+42000 * ( 1+4%)+36000.
From the above calculation, it can be concluded that choosing gold will earn about 1 1,000 yuan more than directly depositing wealth management products in the bank, but the problem cannot be simply looked at. There are several other important factors to consider when choosing gold: (1) The price of gold was still at a high level when it was sold in June, and if it was sold at a low level, it might actually lose money; (2) The bank's gold bars will not be sold directly at the international gold price. After all, banks also have operating costs, so in reality, the price of banks will be slightly higher than the international gold price (but far lower than the price of jewelry stores), so the price you buy is not only the price listed above, but also the profit will not be so much; (3) If you buy gold bars, few people in the family will definitely have such a big heart, but if you want to put them in the safe deposit box of the bank, you must pay the safe deposit box fee; (4) Like buying, when selling, it cannot be sold at the international gold price, and the cost of bank recycling will be slightly lower than the international gold price. Therefore, considering the above factors, it is not cost-effective to invest in gold bars. It is better to deposit money directly in the bank for a fixed period or buy bank wealth management products.
Of course, it does not mean that gold cannot be invested. For example, the gold you invested before is sold at a high point in 2020, and the income is definitely higher than that of time deposits or wealth management products; But like stocks, most people chase up and down. When the international gold price was at a high level last year, a few people were willing to run, always thinking that it would go up, and finally watched the proceeds run away from their eyes!
It is ok to invest in gold if you are not in a hurry to use your funds. After all, gold will rise one day. However, if the future use of funds is uncertain, you should choose regular or prudent financial management, because gold may lose money when you are in a hurry to use money (for example, in the past ten years, if you were in a hurry to cash out gold on 20 15-20 16, this investment would lose money). At most, it only loses a small amount of income (at present, some banks' financial management is transferable), and there will be no loss of principal, so the investment cost performance of gold is relatively average.
There is a reason why the proverb "antiques are hidden in prosperous times, and gold is bought in troubled times" can last for a long time, so gold is not a good investment at this stage!