投资纸黄金还是实物黄金
关键字：投资纸黄金还是实物黄金
现时国内现有的黄金投资渠道中，主要有纸黄金、实物金条、黄金首饰、金币等，而纸黄金仅是一种黄金凭证，并不涉及实物交割，主要表现为黄金记账式账户，价格跟随国际金价变动，投资黄金凭证还是实物黄金较好？实物黄金需要的成本较高，而纸黄金可以免去实物运费和交割的各项成本，在投资便利性而言，当然是纸黄金更高一筹，而实物黄金则需从金价的中长期走势考虑，较为适合中老年的投资者。
根据上海黄金交易所的在线调查显示，参加调查的1613人之中，选择纸黄金投资的占了39.5，选择金条占40.6，另有12.3人选择了黄金珠宝。就投入成本而言，纸黄金的投资成本最低，流动性最强，价格波动率较实物黄金高，但不如实物黄金般起到保值和抗通胀的功能，目前客户可通过建行、中行以及工行的部分试点进行纸黄金交易。
实物黄金中投资金条的代表是高赛尔金条，与纸黄金相比，金条的成本较高，每克都要收取差价1.5元，而纸黄金通常只需1元，黄金首饰的溢价更高，通常都要缴纳10-15元的手续费，纪念性金币和金条的溢价较低一些，但也要5-7元。
投资黄金前，投资者的知识储备非常重要。投资者必须懂得每种黄金的交易特点，黄金的定价机制，以及掌握黄金投资的一些分析方法，如影响金价走势的基本面、一些重要的经济数据等。
纸黄金和实物黄金作为两种不同的产品，本来是根据投资者的投资目的去选择，在通膨温和，国家经济稳定的情况下，选择投资纸黄金，最好在专业人士的指导下进行；而实物黄金则在黄金可以抵抗通膨时保持长期持有。
一般来说，大众口出所说的炒黄金，大部分都是指纸黄金，投资新人建议去所在办理纸黄金开户的银行网点咨询相关业务。
本文来源： 大田环球贵金属
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