What kinds of gold are there? Come on, everybody, 3Q.

There are many kinds of physical gold in the market: gold bars, gold coins, gold medals, gold ingots, gold ornaments ... Take China Industrial and Commercial Bank (60 1398) as an example, including its own brand * *17,87 specifications and 56 specifications for consignment. In terms of sales volume, in the first half of this year, the bank's total sales volume of physical precious metal products reached 68 tons, an increase of about 7 tons compared with the total sales volume in 20 10. So many kinds of physical gold dazzle investors, but the fiery market on the other side also makes investors anxious. They don't want to miss this opportunity, but they don't know how to choose. Although various institutions have made different classifications according to the characteristics of physical gold, different classification methods make it difficult for investors to form an intuitive comparison. In this regard, the reporter combed and divided the physical gold on the market into three categories: jewelry gold, collection gold and investment gold. Jewelry gold is gold jewelry, such as gold necklaces and rings. The price is the gold benchmark price plus jewelry design and processing fees; Collection gold is physical gold with special commemorative significance. Its price is based on the gold benchmark price plus a certain processing fee, such as "BOC Auspicious Gold". Its theme pattern "Ji" was written by Yu Shinan, who ranked first among the four great calligraphers in the early Tang Dynasty. The word "Ji" is lined with auspicious clouds and decorated with bat horns, which contains auspicious wishes of "all directions of happiness". This gold bar shows an elegant artistic atmosphere. Investment funds are general physical gold, and the price is very close to the benchmark price of gold. In terms of cost performance, jewelry gold > collection gold > investment gold. Investors should buy corresponding physical gold products according to their different needs: jewelry gold and collection gold can be selected for gifts, and investment gold and collection gold can be considered for investment collection. There are two points that must be paid attention to when investing in physical gold: the selling price and the repurchase situation. Whether it is a gift or a collection investment, the price of physical gold is the primary concern of investors. Take investment funds sold by banks as an example. The investment funds of different banks have different prices. Some banks sell investment funds at 7 yuan/gram on the basis of the gold benchmark price, some banks charge 12 yuan/gram, and some banks sell at the gold benchmark price but deduct 14.5 yuan/gram when buying back. Therefore, before buying physical gold, investors may wish to go to several banks to find out the latest selling prices of all banks and shop around. For example, the physical gold products of Shanghai Gold Exchange represented by CITIC Bank (60 1998, Share Bar) are 50~70 yuan/gram cheaper than those of gold stores. In addition, the bank will launch some preferential activities from time to time, such as buying100g to 200g of physical gold in CCB before 12+0. During the period from July 15 to September 30, you can enjoy the highest price discount of 5 yuan/gram (or 15 yuan/gram) when you purchase the key products designated by CCB. VIP customers of CCB have more exclusive discounts. However, the same customer cannot enjoy the above-mentioned multiple benefits at the same time, and can only choose one of them.