贝壳财经会客厅｜邮储银行魏淼：黄金投资应注重长期主义

新京报04-20

近年来，“黄金”频频进入公众视野，价格波动频繁。面对急涨急跌的黄金市场，投资者还能否进一步参与其中？又该如何在这风云突变的国际局势中，淘得“真金”？　　日前，新京报贝壳财经举办“黄金主题贝壳财经会客厅”，就这些问题展开讨论。　　邮储银行北京东城区支行零售金融部经理魏淼表示，黄金仍然具有投资属性，推荐的配置比例为5%-15%。在投资黄金时，投资者也应注重长期持有。　　邮储银行北京东城区支行零售金融部...

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　　黄金应该怎么投？魏淼表示，邮储银行推荐的黄金配置比例为5%-15%。如果投资者对黄金的配置比例超过15%，她建议投资者要进入止盈状态，并对资产摆布进行调整。　　当前黄金投资品类相对较多，如实物黄金、积存金、黄金ETF等各类产品应有尽有。魏淼表示，各投资品类满足不同的投资需求。　　“如果投资者是以资产增值为目的进行小波段操作，可以选择购买黄金ETF等基金产品。如果是有传承需求，黄金积存、实物金是最好的选择。”魏淼表示，黄金积存金相当于定投黄金，可以拉平投资成本，是当前银行比较推荐的投资方式。　　魏淼指出，此前的纸黄金业务如今已经慢慢淡出银行业务种类，其主要特点是可以加杠杆。当前黄金波动剧烈，这种方式在稳定性上相对较差。而投资黄金的终极目标是求稳和长期持有，因此不建议此时选择这种投资方式。　　今年以来，多家银行陆续停办纸黄金等相关业务。邮储银行也已于今年3月发布公告，停办了Au99.99、Au100g、Au99.95、PGC30g、Au（T+D）、mAu（T+D）、Ag（T+D）、Au（T+N1）、Au（T+N2）等多品种贵金属交易业务。这主要是为了在市场波动加剧时保护投资者权益，并从源头降低业务风险。　　此外，魏淼建议，当前客户的资产配置可以分为三层，以保险类产品为基础进行打底，中间层投资“固收+”类理财产品，顶层则可投资股票等一些风险性较高的资产。在这三层中，由于黄金仍保持较为坚挺的走势，因此黄金作为底层资产也会分布到各板块的理财产品当中。（文章来源：新京报）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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