黄金理财为什么不投资首饰,投资与理财——黄金
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本文目录一览：
1、黄金理财为什么不投资首饰
2、黄金首饰品是否可以进行投资？
黄金理财为什么不投资首饰
投资与理财——黄金（上）
黄金概述
黄金是一种稀有 金属元素，金的纯度可以用试金石鉴定，所谓“七青、八黄、九紫、十赤”意思是条痕呈青色，金含量为70%，呈黄色为80%，呈紫色为90%，呈红色，则为纯金。由于黄金具有极其优秀的延展性和化学稳定性，因此它成为对人类非常有用的一种金属。为便于进行市场交易，黄金被制成各种重量的金条，最常用的重量是400盎司，也就是12.5千克。
Gold Overview
Gold is a rare metal element, the purity of gold can be identified by touchstone, the so-called "seven green, eight yellow, nine purple, ten red" means that the stripe is cyan, the gold content is 70%, yellow is 80%, purple is 90%, red, then pure gold. Because gold has extremely good ductility and chemical stability, it has become a metal that is very useful to humans. To facilitate market trading, gold is made into bars of various weights, the most commonly used weight is 400 ounces, or 12.5 kilograms.\u200d
黄金的主要用途、 流量供需与存量供需
1.黄金的主要用途
(1)用作国际储备。这是由黄金的货币商品属性决定的。由于黄金的优良特性,历史上黄金充当货币的职能，如价值尺度、流通手段、储藏手段，支付手段和世界货币；
(2)用作珠宝装饰。华丽的黄金饰品一直是一个人的社会地位和财富的象征；
(3)在工业与科学技术上的应用。由于金具备有独一无二的完美的性质，它具有极高的抗腐蚀性和稳定性，良好的导电性和导热性;金的原子核具有较大捕获中子的有效截面;对红外线的反射能力接近100%;在金的合金中具有各种触媒性质，等等；
The main uses of gold, flow supply and demand and stock supply and demand
1. The main use of gold
(1) Used as an international reserve. This is determined by the monetary commodity properties of gold. Due to the excellent characteristics of gold, gold has historically functioned as a currency, such as the scale of value, the means of circulation, the means of storage, the means of payment and the world currency;
(2) Used for jewelry decoration. Ornate gold ornaments have always been a symbol of one's social status and wealth;
(3) Application in industry, science and technology. Because gold has unique and perfect properties, it has extremely high corrosion resistance and stability, good electrical and thermal conductivity; The nucleus of gold has a large effective cross-section of trapping neutrons; The reflective ability to infrared rays is close to 100%; In alloys of gold has various catalytic properties, etc.;\u200d
2.黄金市场的供应和需求
黄金市场的供应来源主要有以下几个方面:世界各产金国的新产金，苏联向世界市场售出的黄金，还原用的黄金，其他一些国家官方机构、国际货币基金组织和私人抛售的黄金。
黄金市场的黄金供给主要有三种性质:第一种是经常性供给， 主要包括世界主要产金国，这类供给是稳定的、经常性的。第二种是诱发性供给，这是由于其他因素激励作用导致的供给，主要是金价上扬，使许多囤金者为获利抛售,或使黄金矿山加速开采。第三种是调节性供给，这是一种阶段性不规则的供给，如产油国因油价低迷，会因收入不足而抛售一些黄金。
2. Supply and demand in the gold market
The main sources of supply in the gold market are as follows: new gold produced by the world's gold-producing countries, gold sold by the Soviet Union to the world market, gold reused, and gold sold by official institutions of other countries, the International Monetary Fund and private sellers.
There are three main types of gold supply in the gold market: the first is the regular supply, which mainly includes the world's major gold-producing countries, and this kind of supply is stable and regular. The second is induced supply, which is due to the incentive effect of other factors, mainly the rise in the price of gold, so that many gold hoarders sell for profit, or accelerate the mining of gold mines. The third is regulatory supply, which is a phased irregular supply, such as oil-producing countries will sell some gold due to insufficient income due to low oil prices.\u200d
世界黄金的需求主要来自以下三个方面:
(1)各国官方的黄金储备，主要作用是作为国际支付的准备金；
(2)工业用途需求的增减，对世界黄金价格升降有很大影响；
(3)投资需求也是黄金市场需求来源的重要部分。一方面，人们利用金价波动，入市赚取利润;另一方面，人们在不同条件下，可在黄金与其他投资工具之间互为选择。
The demand for gold in the world mainly comes from the following three aspects:
(1) The official gold reserves of various countries, the main role of which is as a reserve for international payments;
(2) The increase or decrease of demand for industrial use has a great impact on the rise and fall of the world gold price;
(3) Investment demand is also an important part of the source of demand for gold market. On the one hand, people take advantage of gold price fluctuations and enter the market to make profits; On the other hand, people can choose between gold and other investment instruments under different conditions.\u200d
黄金投资的优点
(1)在税收上的相对优势。黄金可以算是世界上所占税项负担最轻的投资项目了。其交易过程中所包含的税收项目，基本上也就只有黄金进口时的报关费用。
(2)产权转移的便利。假如你手头上有一栋住宅和一 块黄金， 当你打算将它们送给你的子女时，你会发现，将黄金转移很容易，让子女拿走就可以了，但是住宅就要费劲得多，住宅和股票、股权的转让一样,都要办理过户手续。
(3)世界上最好的抵押品种。很多人都遇到过资金周转不灵的情况，解决这种窘困的方法通常有两种:一是进行典当;二是进行举债。举债能否实现，完全看个人的信用程度。而且借到的能否够用也无法确定。这时，黄金投资者就完全可以把黄金进行典当,之后再赎回。
(4)黄金能保持久远的价值。商品在时间的摧残下都会出现物理性质不断产生破坏和老化的现象。不管房产还是汽车，除非被某个名人使用过，不然经过岁月的磨炼都会有不同程度的贬值。而黄金由于其本身的特性，虽然会失去其本身的光泽，但是其质地根本不会发生变化。表面经过药水的清洗，还会恢复其原先的容貌。
(5)黄金是对抗通货膨胀最理想的武器。近几十年间，通货膨胀导致的各国货币缩水情况十分剧烈。当缩水到了一定程度时钞票就如同废纸一般。此时，人心惶惶，任何政治上的风吹草动都会引起人们纷纷抢购各种宝物的自保行为。
(6)黄金市场很难出现庄家。任何地区性股票的市场，都有可能被人为地操纵。但是，黄金市场却不会出现这种情况。金市基本.上是属于全球性的投资市场，现实中还没有哪个财团的实力大到可以操纵金市。
(7)没时间限制，可随时交易。中国香港金市的交易时间是从早上9点到第二天凌晨2点30分(冬季是3点30分),投资者可以进行港金和本地伦敦金的买卖。香港金市收市后，伦敦市场又开市了，紧接着还有美国金市，所以投资者24小时都可以进行黄金交易。
Advantages of gold investing
(1) Comparative advantage in taxation. Gold is arguably the least tax-laden investment in the world. The tax items included in the transaction process are basically only the customs clearance fees at the time of gold import.
(2) Facilitation of property rights transfer. If you have a house and a piece of gold on hand, when you plan to give them to your children, you will find that it is easy to transfer the gold, let the children take it, but the house is much more difficult, and the house is the same as the transfer of stocks and equity.
(3) The best mortgage varieties in the world. Many people have encountered the situation of poor capital turnover, and there are usually two ways to solve this embarrassment: one is to pawn; The second is to borrow. Whether debt can be achieved depends entirely on the degree of credit of the individual. And it is uncertain whether the borrowed money will be sufficient. At this time, gold investors can completely pawn the gold and then redeem it.
(4) Gold can maintain its long-term value. Under the ravages of time, commodities will have physical properties that constantly produce destruction and aging. Whether it is a property or a car, unless it has been used by a celebrity, it will depreciate to varying degrees after years of tempering. Gold, due to its own characteristics, will lose its luster, but its texture will not change at all. After the surface is cleaned by the potion, it will also restore its original appearance.
(5) Gold is the most ideal weapon against inflation. In recent decades, inflation has led to a sharp contraction in the currencies of various countries. When it shrinks to a certain extent, banknotes are like waste paper. At this time, people are panicked, and any political turmoil will cause people to rush to buy all kinds of treasures for self-protection.
(6) It is difficult to appear market makers in the gold market. Any regional stock market is likely to be artificially manipulated. However, this is not the case in the gold market. Gold Market Basic. It is a global investment market, and in reality, no consortium is strong enough to manipulate the gold market.
(7) There is no time limit, you can trade at any time. Trading hours in the Hong Kong Gold Market are from 9:00 am to 2:30 am the next day (3:30 am in winter), and investors can buy and sell Hong Kong gold and local London gold. After the Hong Kong gold market closed, the London market opened again, followed by the US gold market, so investors can trade gold 24 hours a day.\u200d
本文由learningyard新学苑原创，如有侵权请联系沟通~
素材来源于《投资与理财》——第3版 电子工业出版社
图片来源于百度
翻译来源于谷歌翻译\u200d
黄金首饰品是否可以进行投资？
首先来说，如果你具有一定的艺术鉴赏，能鉴赏出好的黄金饰品，也就是那种极具艺术价值的那种，那可以考虑。但如果没有这方面的鉴赏能力，或者只是想把黄金作为一种投资的话，这样，黄金饰品不建议用来投资。目前我国国内黄金投资渠道狭窄，可以方便投资的品种非常少，造成社会民众与学者对黄金的知识了解有限。许多普通公民迫切想投资黄金，但却存在不少的认识误区，为此必须先要掌握以下知识。 在中国国内老百姓平常所能看到的黄金制品，主要是黄金饰品。但黄金饰品并不是一个好的投资品种。黄金饰品具有美学价值，购买黄金饰品本身所支付的附加费用非常高，购买价格与黄金原料的内在价值差异较大，从金块到金饰，珠宝商要进行加工，要加上制造商、批发商、零售商的利润，最终到达购买者手中时这一切费用都由购买者承担。而卖出时，这部分费用只有购买者自己承担，所以黄金饰品的实际交易成本费用非常高。此外，金银首饰在日常使用中会受到不同程度的磨损，如果将旧金银饰品变现时，其价格还要比原分量打折扣。 为什么？打个比方，比如，2001年世界黄金价格处于近25年的历史最低位，平均价格为270美元/盎司，当时的黄金饰品价格为90元左右，而2005年黄金价格上涨到了480美元/盎司时，黄金饰品的市场价格为125元。假设当年购买黄金投资，单纯从黄金原料价格（参照美元价格）的角度看，投资收益率应该为77.8%。但如果投资者购买的是黄金首饰，2001年时的买入价格最低为85--95元/克，一般金商收购旧金的回购价格最高也不超过110元/克。可见如果投资者投资黄金饰品即使世界黄金价格上涨了这么许多，同样也无法享受到黄金上涨的收益，投资首饰性黄金获得的大量投资收益，都将消耗到各种中间成本中了。这样看的话是否会明白？
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