2014年散户怎样投资黄金
关键字：2014年散户怎样投资黄金
2014年1月至4月，国际金价的冲高回落走势引发市场强烈关注，在2013年的4月12日，金价第一次跳水的时候，抢购黄金成为一股热潮，而今年开年后黄金再次下跌，就没有去年那样疯狂了。就投资来说，黄金可以作为资产配置的一种，有块黄金放在那里，涨跌影响并不是很大，但购买黄金还是要根据实际需求，在去年的几次“抢金潮”过后，金价都出现了明显的下跌，消费者应该从中汲取经验，更加理性地看待黄金价格走势，不能盲目跟风炒作抢金。投资者应该理性谨慎炒黄金，以防黄金价格的持续下跌深陷“黄金之套”，再经历一次“噩梦之年”。
建议客户在投资黄金时也要分清楚实物金和首饰金，首饰金中含有加工费和设计费，价格自然要比投资金条贵一些，大概每克会贵几十块钱，但要在市场上卖出套现的时候，首饰金就肯定不划算。一些师奶抢购首饰金，最重要的还是家庭需求，这样就没问题。而黄金作为资产配置，关键是在家庭财富中所占的比例是否合理，不是说金价下跌就不值得继续购进了，只要配置不够，还可以继续购买，从长远来看，货币肯定是贬值的，世界各国都在超发。
另外，家庭在投资黄金之前最好先买些保险，保险是一种风险管理工具，是“为无法预料的事情做准备”。有些事情一旦发生，会严重危及我们的家庭投资理财规划。投入少量资金购买保险，可以在意外情况发生时弥补我们的经济损失，使理财规划得以顺利进行，所以说保险是理财规划中必备的一项。
本文来源： 大田环球贵金属
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