工行、农行银行类帐户贵金属和实物贵金属帐户有什么不一样
关键字：工行、农行银行类帐户贵金属和实物贵金属帐户有什么不一样
您有投资贵金属吗？中国央妈降息，A股重新站上3500点，不少人都说炒股票好过做其他呢，对于参与贵金属投资，更是闻风而逃，其实炒贵金属能不能赚钱，要看您选择的是哪种投资产品了，关于账户贵金属能否赚钱，以及商业银行推出贵金属投资品种与实物贵金属的区别，下面大田环球小编向您介绍一番。
银行类账户贵金属是什么
银行类账户贵金属，正如题目所言的工商银行、农业银行等具备一定资本实力的商业银行，账户贵金属是商业银行推出的投资合约品种，交易过程不涉及实物黄金白银的提取、申购或交割，根据银行报出金银价格的变化，价格变动产生的盈亏只在个人的银行贵金属账户中体现。投资者按合约总额投入对应本金进行购买，当选择的品种价格升值时，即可获取额外的投资收益。例如买入10克纸黄金，报价是230元/克，之后金价升至235元/克，金价上升了5元，把纸黄金仓位了结，获取的额外收益是（235-230）X10=50元。
实物贵金属的投资途径
我们可通过直接到金店买入实物黄金白银，获利模式和银行类的账户贵金属是一样的，都是自低位介入，当金银价格上升时在适当时点把品种套现回本金，从中赚取额外回报。另外一些银行推出了贵金属定投业务，投资者每月按定投起点，对账户划入一定的资金即可，在规定期限结束后，可赎回本金并获取额外收益，或者按照定投资金与贵金属报价差额所计算出来的定投重量来兑换相应的实物贵金属品种。
综上所述，银行类账户贵金属交易不涉及实物流通环节，我们可到线下的金饰店面购买投资类实物金银，两种交易模式是类似的，投资者无论选择银行类账户贵金属，或者是实物金银和贵金属定投，都只能长期持有，短期内难以发挥投资收益。要选择在大跌行情中也能绝处逢生的获利品种，不妨参与国际现货黄金白银电子交易业务，帮助投资者在成熟交易市场中迅速获取高额盈利，现在开设大田环球贵金属模拟或实盘账户就能体验线上交易优势。
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