黄金理财要注意什么
关键字：黄金理财要注意什么
首先，购买时投资者要看清理财产品的收益实现条件。与贵金属挂钩的理财产品由债券和黄金期权等工具组成，每个产品都有自身的特点，有些产品看跌黄金金价，只有金价跌至一定价格水平时(如每盎司1300美元)，投资者才能获利；有些产品设定了区间，金价只有在某一个区间(如每盎司1500至1800美元)内，投资者才能获利等等，因此在购买此类产品时，自身必须对国际上的伦敦金走势有一个基础的判断。而并不是买了黄金理财产品就是看多金价的。
其次，实物黄金、黄金理财产品、T+D黄金投资和黄金期货对于投资者来说面临的风险是不一样。最保守的自然是实物黄金，而黄金理财产品有最低保底收益，投资者即使判断错误走势也不会血本无归，而T+D黄金投资和黄金期货风险较高，要求投资者有一定操作经验和市场熟悉程度。
最后，黄金理财产品的收益惨淡与黄金市场价格走势有一定关系。2012年黄金价格先扬后抑，1、2月，金价反弹，不断刷新年内新高，2月29日金价开盘就攀升至每盎司1788美元创下了年度新高，但此后3日金价迅速跌至1600美元一线。5月金价更是连续下挫，整体重心下移，目前金价依然在每盎司1530至1640美元宽幅震荡。
在信用货币时代中，黄金其实已经成为货币超发的对冲工具，由于黄金在全球范围内以美元计价，货币超发主要是美元的超发。
本文来源： 大田环球贵金属
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