Compared with other currencies and commodities, the value of gold has been very stable for a long time, so people often buy gold to protect against inflation and currency fluctuations. In addition to stable value, the liquidity and liquidity of gold is also extremely strong, it is not subject to the political and economic direct influence of the region, will not be frozen or refused to pay the same risk as banknotes or bank deposits, is considered to be a currency without borders.

Ms. Tao is a high-income department manager of a foreign company. Last year, a classmate who made money in the gold market suggested Ms. Tao to invest her remaining funds in the gold market. Under the persuasion of her classmate, Ms. Tao was moved, and she also opened an account in the bank and exchanged her year-end bonus for 250 grams of paper gold.

With the rising price of gold, gold has become the investor's "new favorite", but to pull out the real gold in the gold market, you must choose the gold investment varieties suitable for you.

1, medium and long term investment

Physical gold suitable for medium and long term investment. At present in China, physical gold investment is mainly for gold bars and gold coins.

The investment value of commemorative gold coins mainly depends on the following points: the material of commemorative gold coins is gold, which has a certain artistic value and limited issuance; commemorative gold coins are issued with seriousness and authority, and its issuing organization is the national currency issuing organization - the central bank. Therefore, commemorative gold coins are mainly for collection, and they can also appreciate in value after the consumption and precipitation of collection and gifts, but they are generally not suitable for short-term investment of larger funds.

Physical gold is based on gold bars and gold nuggets, and the winnings are totally dependent on price fluctuations. Investors can follow the price fluctuations in the international gold market and buy low and sell high for gold to earn the difference in price.

Gold bars and nuggets. Gold bars and nuggets are inexpensive to process, have little additional expense, are highly liquid and circulating, and are not subject to transaction taxes in most areas. But they also have a disadvantage in that investing in gold bars and nuggets takes up a larger amount of cash and custodial costs, making it more of a hassle if you consider it from a security point of view.

Pure gold coins. When investing in pure gold coins, investors should pay attention to whether there is a denomination minted on the gold coins; pure gold coins with a denomination are worth more than those without. Pure gold coins come in different sizes and weights, so investors have more choices, and even limited funds can be used for investment, and they are highly realizable, so there is no difficulty in cashing them. However, the difficulty of keeping pure gold coins is greater than that of gold bars and nuggets, such as the original packaging should be maintained as much as possible, and pure gold coins should not be subjected to collision or deformation, otherwise they will be discounted when sold. Gold and silver commemorative coins.

Gold and silver commemorative coins are processed and manufactured with gold and silver as raw materials, which are lower than gold coins in physical price. However, due to the strict selection of materials for gold and silver commemorative coins, and the high level of craft design and manufacturing, rich content, picture with relatively small mintage, it has high aesthetic characteristics of artwork and investment value.

Gold and silver jewelry. Gold and silver jewelry practicality, high aesthetic value, but from the investment point of view, gold and silver jewelry has a lower return, so, generally do not advocate investment. This is because the value of gold and silver jewelry varies widely between buying and selling, and the difference between the value and intrinsic value of many gold and silver jewelry is also large.

After gold and silver jewelry is produced, it is taxed as an arts and crafts item, and when it reaches the buyer, the profits of the manufacturer, wholesaler, and retailer are added. In addition, gold and silver jewelry in daily use, always subject to varying degrees of wear and tear or collision, if the old gold and silver jewelry will be liquidated, the price of its natural than the time of purchase to fall a lot.