年龄段在30岁以上的人如何炒金
关键字：年龄段在30岁以上的人如何炒金
30-40岁炒金：可开始收藏金银币
30-40岁年龄段的人，进入事业、家庭的双丰收阶段，收入增长、财务稳健。成熟的审美观较之年轻时变化不算大，依然追求时尚，但其消费能力却大幅度提升，“看得上眼”的贵金属礼物并不多。建议优先考虑铂金镶钻或铂金镶宝石首饰，其次则是各类金币与工艺考究的纪念型金条。
对于这个年龄阶段，如何炒黄金方面一般建议采用进取为主的理财策略，黄金产品在流动资产总额中的比例一般可控制在5%-10%。
40-55岁炒黄金：适当提升黄金投资比例
40岁之后，理财成长性减低，理财策略也逐步向“稳健”方向过渡。她们在选购黄金时，更重视“性价比”，不太顾及审美观。她们更喜欢选购千足金手链、黄金项链等首饰，或者有一定装饰效果的黄金摆件。
55岁以上炒黄金：购金条长线获利
对于多数的城市家庭，老年人比较适合采取稳健为主、偏向保守的策略。老年人投资贵金属，也应优先购买金条，金条手续费低廉、性价比高，购买后建议放进银行保险柜长期贮存。对于这个年龄段的妈妈，实物黄金投资可在家庭流动资产中占据15%-20%的较高比例。而老年妈妈投资基金、银行理财产品，也可优先考虑黄金主题、投资方向的品种，类似产品一般风格稳健、有利于中长线获利。
本文来源： 大田环球贵金属
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