First of all, I think you have the concept of financial management, which is very good. What you said about speculating in gold is also very convenient and flexible. You can have a look at the following, I hope it will help you. First, make a detailed investment plan. The ancients said: "It is an eternal truth to make a decision before moving, and so is gold investment. A good investor should make a feasible investment plan before starting to invest. To make a good investment plan, we must first conduct in-depth analysis and research on the following issues in order to know fairly well. 1. Personal information. Including personal property status, income status, family status and personal psychological quality. The above situation is different, and the investment varieties and schemes they choose will be different. 3. Choose the right investment products. There are many kinds of gold investment products, including standard gold, gold coins, gold ornaments and paper gold. The transaction costs, trading rules and investment functions of each variety are different. Because investors' personal assets, investment goals and needs are very different, the investment products suitable for them will also be different. Therefore, when making their own investment plans, investors should carefully analyze the characteristics and functions of various investment products and choose specific investment products according to their objective conditions and subjective purposes. 4. Prepare an investment plan. After completing the previous steps, you can make a more detailed investment plan. Investment plan is the guiding principle in the investment process, and it should be done in strict accordance with the plan in the specific implementation process. Investment plan is not a static thing, it should be constantly adjusted and improved in investment activities. Second, choose a good gold merchant 1. Compare the strength of gold merchants. The strength of gold merchants is an important content of evaluation. Generally speaking, the products and services of commercial banks and large gold and jewelry companies with abundant funds and diverse business outlets are trustworthy, and gold merchants established by large jewelry companies and commercial banks with complementary advantages are more favored by investors. For example, Dalian Gold and Jewelry Market founded by Beijing Diamond Company and Dalian Commercial Bank is an obvious example. 2. Choose a qualified agent. Because the personal gold investment market is closely related to the Shanghai Gold Exchange, the gold circulating in the secondary market comes from the exchange and returns to the exchange, and the exchange adopts the management mode of * * * *. If you want to buy and sell gold on the exchange, you must go through the agent of * * *, so the transaction cost will increase, which will inevitably increase the transaction cost of investors and affect the investment income. 3. Compare the credibility of gold dealers. It is a common business rule that doing business depends on the reputation of the other party. 4. Compare the services of gold merchants. To investigate the services of gold dealers, we should look at them from the following three aspects: (1) service organization network; Commitments made; Keep one's promise. Judging from his words and quotations, we can know the service level of gold merchants. Through comprehensive understanding, careful comparison and careful selection, it is an important step for gold investment to find a gold merchant with standardized operation, reasonable legality, excellent service, trustworthiness and serious responsibility. Third, the preparatory work before investment "If a worker wants to do a good job, he must sharpen his tools first" and "sharpen his knife without cutting wood by mistake". Before the official start of gold investment, investors should learn the relevant knowledge of gold investment, carefully read relevant books and articles, understand the trends and changes of the gold market, master the trading rules, make adequate preparations, and win every battle. There are three ways to learn: learning from books and related articles; Learn from early investors; Learn by doing. The research contents include: related economic policies and industrial policies; Professional knowledge related to gold investment; Relevant knowledge in investment field.