黄金理财频现“双胞胎”
在当前黄金牛市已终结、后市走势难辨的行情下，多家银行均同时发行看多、看空两款”双胞胎”产品，把对未来黄金走势的预测权抛给客户，让客户自行决定哪款产品可获取预期收益率。
近期，某外资银行同时推出了两款看涨型和看跌型理财产品。其中看跌型产品规定，若黄金的期末价格低于或等于其初始价格，到期时投资者将获得6.5%的年化收益率，若黄金的期末价格高于其初始价格，投资者的到期收益率将为零。而看涨型则正好相反，若黄金的期末价格低于或等于其初始价格，投资者的到期收益率为零。此外，多家股份制银行日前也纷纷推出了这类对立的”双胞胎”黄金理财产品。
“表面来看，‘双胞胎’黄金理财产品是银行为投资者提供更多的选择权，事实上银行则是将自己置于中立的角度，而把选择权抛给客户。投资者若押对方向，则可获得较高的收益，而一旦押错方向，投资收益将大大缩水，这个风险将由客户自行承担。”业内人士指出，无论客户选择哪个方向，理财产品年化0.3%左右的销售费用银行都会照收不误，且同时推出看涨和看跌两类产品，银行会显得无功无过，不会因产品到期收益低而损失声誉。由于需要自行决定产品运行方向，这类产品更适合对黄金投资有一定经验并具备专业知识，且风险承受能力强的投资者。
本文来源： 大田环球贵金属
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