如何选择适合投资的黄金品种
关键字：黄金投资品种的选择
近日，国际金价一路飙升，炒黄金变成了一种热门的投资方式，然而黄金投资需要很多技巧。
如果想要达到保值、增值的目的，实物黄金明显优于纸黄金。实物黄金一般分为饰金、投资金币和金条。饰金的加工费较高，回购时成色还需要鉴定，回购价与市场价相差较大，不是投资者的明智之选。银行投资金币回购时定价较高，如果是我国发行的熊猫金币，甚至还有溢价。因此，不少投资者喜欢收藏金币。
如果从纯粹的藏金保值的角度看，金条不论是购买还是出售，在市场上的差价都最小，应该是最好的选择。以工商银行发行的如意金和建设银行发行的龙鼎金为例，回购价与国际市场价每克只相差６元至７元。如果购买的是几乎没有任何加工的瑞士金条，回购价与国际市场价只相差３元／克。
黄金资产在总资产中的比例最好不要超过３０％。因为黄金没有利息，纯粹靠价格波动获利。黄金资产保有与投资者的年龄也有一定关系，如果投资者是２０岁左右的青年，那他持有１０％的黄金足够了，因为他还需要买房子，可以进行股票、基金之类比较激进的投资。如果投资者３０岁以上，事业稳定，则可以考虑将持有黄金的比例提升至２０％。按照目前的金价，对于中产阶级家庭来说，收藏一公斤黄金比较适合。如果投资者计划将黄金作为永远的配置，甚至打算留给子孙，那么，占总资产５％的黄金就足够了。
本文来源： 大田环球贵金属
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