黄金下跌 市民购买黄金产品更谨慎
据了解，尽管国际金价近日反弹，但是更多的人开始把投资挂钩黄金理财产品的目光投向看跌型产品。与此同时，在实物黄金方面，更多市民购金出手更加谨慎。
自4月份金价出现暴跌以来，近3个月的金价走势可谓跌跌不休，6月末，国际金价一度跌破1200美元大关，让不少黄金投资者苦不堪言。尽管美联储再度强调保持宽松政策刺激，但这依然未能扭转投资者对于黄金步入熊市的判断。
看跌型黄金理财产品年化收益率高达6.5%
记者注意到，近3月到期未实现最高收益率的黄金挂钩结构性产品金价中，绝大部分为银行发行的中短期看涨类黄金理财产品，设计的天数多半为90天左右。由于挂钩黄金理财产品的收益设计方式为保本浮动型，即使看涨型黄金挂钩产品表现不佳，但投资者的本金并没有损失，只是获得的收益较少。
市民购买黄金产品更谨慎
“在5月份的时候，黄金突然就跌了，大家都来买黄金，我也想跟着买点金货存着，不过家里人都劝我再等等。”在中山路悦喜客来，记者遇到前来买黄金饰品的刘女士，据刘女士介绍，她购买黄金并不是为了投资，是以佩戴为主，前一段时间没有出手购买，不过一直在关注黄金的价格，“涨涨跌跌，真让人看不明白，我准备这几天先买点。”
与刘女士的情况类似，选择当机立断购买黄金饰品的市民也占一定数目，前来咨询、购买黄金饰品的人流络绎不绝。据销售人员介绍，目前市民购买黄金饰品的用途以佩戴装饰为主，保值升值功能相对而言没有那么重视。虽然金店内人流不绝，但销售人员也表示，七八月份本是黄金饰品销售淡季，再加上近期金价跌得厉害，经过了前段时间的高峰期，现在的客流量趋向平稳。由于担心目前黄金价格有下跌的可能性，所以目前不少市民都持观望态度，购买更加谨慎。
对于普通市民购买黄金的行为，理财师认为，若用于投资，此时出手更需谨慎，避免盲目投资，购买黄金投资的数额也不宜过大。同时，黄金饰品的主要功能是装饰和佩戴，而非保值升值，市民对其作用也要有清醒的认识。
本文来源： 大田环球贵金属
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