Is Jindou really a financial tool? Be careful of these risks!, Someone accumulates one gold bar every month, worth over 500 yuan per gram
Purchasing physical gold such as gold jewelry, bars, coins, and nuggets is a familiar way for people to invest in gold. However, recently, many gold jewelry brands have begun to launch small weight products such as mini gold, gold beans, and gold melon seeds, which weigh mostly 1 gram and are generally priced at over 500 yuan. Many netizens who have purchased Golden Bean refer to it as a "financial tool" for young people, and there is even a saying that "buying it will keep its value.".
So, why are young people keen on accumulating gold beans? What risks do you need to guard against when purchasing such products?
"Accumulate one every month"
Accumulating Gold and Becoming Young People's New Favorite in Financial Management
The reporter searched social media platforms and found that many netizens took photos or videos of the small gram weight gold they purchased and shared them. Some people have already filled their saved gold beans with transparent glass bottles, and there are often comments in the comment section that "saving money is better than saving gold beans" and "buying funds is better than buying gold beans". Accumulating gold beans has become a popular financial management method among young people nowadays.
Netizens share the process of accumulating gold beans on social media platforms
The so-called gold beans usually refer to gold weighing around 1 gram, without labor costs, and the selling price is determined by market conditions, currently generally around 500 yuan. Compared with gold bars weighing tens or hundreds of grams, 1 gram gold beans lower the purchase threshold and provide opportunities for young people who want to invest in gold to enter.
Ms. Liu, who lives in Beijing, started paying attention to Xiaoke Heavy Gold through a friend's introduction. She told reporters that accumulating one gold bean per month is her financial goal. In her opinion, this is similar to fixed investment finance, which is to make long-term investments. "I save one every month and I am very satisfied to see more and more golden beans in the small bottle."
Mr. Wang described himself as a "moonlight tribe" who spent every month on living expenses. For him, buying gold beans was equivalent to forcing himself to save money. "Buying one every month to save money is quite interesting."
Gold beans belong to a type of investment gold bar
There are corresponding monetization channels available
On the 15th, the reporter visited a store selling gold jewelry on the first floor of a shopping center in Beijing. A salesperson said that recently, many consumers in the store have come to inquire about gold beans, believing that gold is valuable and can be monetized at any time. One gram of gold beans costs a few hundred yuan, which is also widely recognized.
Salesperson: Many young people buy one every month or week to save, and the price of gold follows the trend of the market.
Salesperson: 527 yuan, no additional manual fees required.
Salesperson: There are designated stores that can be monetized, or some jewelry recycling places can also be used, and we can do it ourselves.
The reporter noticed that the store displayed gold products with a maximum weight of over 50 grams in the display window. The salesperson said that gold beans belong to a type of investment gold bars, and the store has investment gold bars with different weights for different consumer groups.
The "Golden Bean" product launched by a certain gold jewelry store
Expert: Buying following the trend is not advisable
To have basic knowledge of investment and financial management
According to the 2021 China Gold and Jewelry Consumption Survey White Paper, customers aged 25 to 35 account for over 70% of the gold store consumer group. Among them, e-commerce platforms have become an important channel for young people to buy gold. After Xiaokezhong's gold products became popular, many jewelry platforms have launched products such as "golden beans" and "golden melon seeds" on e-commerce platforms.
According to data from the National Bureau of Statistics, in terms of the product categories of gold jewelry consumption, consumers are more inclined to purchase light and heavy products, and the sales growth of products priced by weight is significantly higher than that of products priced by piece. The investment and consumption of physical gold continue to grow rapidly.
Whether it is a 1-gram gold bean, or a large gram gold bar or brick, if consumers purchase for investment purposes, they need to pay attention to avoiding risks. Dong Ximiao, Chief Researcher of Zhaolian, stated that the price of gold is influenced by various factors and fluctuates greatly, requiring a certain level of risk avoidance ability.
"The price of gold is influenced by some factors in the international market, with significant fluctuations. Chinese people often believe that gold is a constant and valuable product, but not necessarily. The fluctuation of gold prices can sometimes be significant, so it is important to avoid such risks."
So, how to avoid risks in investment? Dong Ximiao suggests that the first step is to have basic investment and financial knowledge, and it is best to find a suitable investment method for oneself.
