If you want to use gold as a wealth management product, when and how to buy gold is the most cost-effective?
"alas! I'm Xiao Bai. It is said that gold is a hard currency for preserving value. When is the best time to start? "
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As we all know, gold is the most primitive and oldest currency IP in human history, which can not only preserve and increase value, but also help to resist inflation and avoid risks in troubled times.
In the tomb of the tomb robbery notes, there are boxes of golden gold, which symbolizes the treasure. Even when gangsters deserted in the Republic of China, they dragged the caravan of small yellow croaker.
At present, gold is a zero-interest asset, which is mostly used for asset allocation, mostly controlled at around 5%- 10%, and is an important currency for wealth preservation;
So what?
Investing in gold is essentially a game of "credit currency and relative price change of gold", and the key lies in "extreme risk aversion of ordinary people".
According to my personal test, it is more cost-effective to buy gold in the following four periods: 1, New Year's Day, Spring Festival, Valentine's Day, Mid-Autumn Festival, National Day and so on.
For example, it is more cost-effective to buy gold in March-April after the Spring Festival.
2. E-commerce promotion, such as111,1212,618, Chinese New Year Festival, etc.
The principle is that during the shopping festival, merchants try to increase GMV by selling gold bars. In order to achieve the sales target of the platform, they will give more subsidies to facilitate our work.
3. At 8: 30 Beijing time on the first Friday of each month, non-agricultural data will be released soon, which may lead to a sharp drop in gold prices.
4. The United States will release the CPI data of last month and the retail sales from June 12 to June 16 every month. If the increase exceeds expectations, the price of gold will fall.
In fact, jewelry store Xiaobai buys gold: gram weight x daily purchase price+processing fee; (ps: Look for the international gold price and weigh the gold content. )
If you want businesses to see that you are quite professional, I suggest asking:
Is it pure gold? Is the composition 999 or 990?
Is it a price per bite or a price per gram?
Is there a recycling service? After-sales service, is it the same for every family?
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After all, recycling gold depends not on the brand, but on the fineness of gold. It is recommended to buy gold 999, pure gold;
The ex-factory price of gold is calculated in grams. Maybe the price tag is attached by the brand itself, plus the brand premium and service fee.
The correct way to open gold: 1, trade with old gold ornaments, exchange your own old gold ornaments in the store, or find Jin Shifu to exchange gold for gold;
2. Purchase through formal channels. For example, banks, gold shops or gold coin dealers should not buy gold inlaid with pearls, precious stones and jadeite, which is low in gold content and becomes chromatic aberration.
"I have no money to buy gold bars. What if I want a big gold bracelet?"
A: It is recommended to save Jin Doudou; Jin Doudou = gold raw materials, gold = preservation, so Jin Doudou = preservation! ! !
Its price is also determined according to the fluctuation of the gold market, which is probably a few dollars higher. Suggest starting with the brand:
JD。 COM: Zhongqian, Emerald, Meet Maxim, Mangrove Tree Ring, etc.
Taobao: Ling Feng gold, real-time gold, etc.
Of course, in addition to physical gold, there are paper gold, gold ETF, accumulation fund and so on.
However, financial management is risky and investment needs to be cautious. Remember to shop around and keep the steel seal, certificate of approval and invoice!
I hope you can hoard some gold and get rich!