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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
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  涨!涨!涨!近期,国际金价狂飙,接连突破3300美元/盎司、3350美元/盎司的重要关口,不断刷新历史纪录。

  截至4月21日,COMEX黄金期货价格年内累计上涨27%。截至7:50发稿,现货黄金涨至3360美元/盎司上方,日内涨幅扩大至1%。美元指数再度下挫,美元指数跌破99关口,是近三年来首次,现报98.74。

  在零售端,今日周大福(01929.HK)、潮宏基(002345.SZ)、六福珠宝、周六福、周大生(002867.SZ)的首饰金价均为1028元/克,周生生(00116.HK)、老庙黄金的首饰金价为1022元/克,老凤祥(600612.SH)的首饰金价为1023元/克。

  金价狂飙,有消费者贷款买金

  据红星新闻报道,有投资者刘乐(化名)表示,以前在黄金还是558元/克的时候,她就买了200克黄金,后来家里急用钱,在609元/克的时候卖掉这些黄金,挣了1万元。今年金价大涨,她再次购买黄金,总共花费约30万元,其中17万元来自银行贷款,贷款1年,每月需还款500多元。

  对于贷款买金,刘乐并不建议,“首先要考虑如果跌1万元能不能接受,不建议贷太多款,尽量用自己的闲钱,有家人帮衬也可以。”刘乐说,她家做点小买卖,钱都在货上,还款压力并不大,因此才向银行贷款。刘乐还强调,虽然自己已经挣到钱,但现在为时尚早,“黄金谁也看不透到底涨到多少,跌到多少”。

  社交媒体上,网友们将贷款买金形容为“借钱蹦极”。有贷款买金的投资者在社交媒体上记录,每天起床后第一件事就是看金价的涨跌,其心情随着金价的起伏而波动。红星资本局注意到,这些投资者除了向银行贷款买金,还有人向互联网平台申请网贷,或者使用花呗来买黄金,也有人研究如何使用消费贷买金。

  有人弃存单买黄金,警惕花式买金风险

  据《21财料》栏目统计,年轻人成为黄金消费主力,但疯狂花式买金背后风险开始隐现:有人用信用卡套现、消费贷买黄金,甚至有人为买金转让4%利率的大额存单,利息都不要了。

  多家机构提示投资风险

  据21世纪经济报道记者统计,由于金价涨势凶猛,多只黄金ETF已经紧急“谢客”,银行、交易所也频频提示风险。

  4月16日,嘉实基金公告,嘉实上海金ETF发起联接暂停大额申购,以保障基金业绩与投资者利益。

  公告指出,自2024年4月18日起,嘉实上海金ETF发起联接的单个开放日每个基金账户的累计申购(含转换转入及定期定额投资)金额不得超过100万元。如投资者提交的申购金额超过100万元,嘉实基金将有权拒绝相关申请。

  嘉实基金表示,此次暂停大额申购的决定旨在控制基金的规模,确保基金的投资策略得以有效执行,降低投资风险,从而维护基金份额持有人的利益。同时,通过控制规模,嘉实基金能够更好地管理基金资产,优化投资组合,提高基金的整体业绩。

  永赢基金4月16日发布公告称,永赢中证沪深港黄金产业股票ETF将于4月18日起暂停申购、赎回、转换及定期定额投资业务的公告。此外,国泰基金、华夏基金、华安基金旗下的黄金股ETF也均在4月15日发布相关公告。

  “限购主要是因为黄金今年的涨幅明显,相关ETF产品的价格也跟着水涨船高,资金流入速度远超资产配置节奏,需防范因申赎波动导致的净值偏差风险。”排排网财富研究员卜益力表示。

  除了基金公司之外,多家银行也发布关于贵金属业务市场风险提示的公告,提醒投资者提高贵金属业务的风险防范意识,理性投资。

  4月14日,建设银行在官网发布《关于近期贵金属业务市场风险提示的公告》称,近期国内外贵金属价格波动加剧,市场风险提升。请投资者提高贵金属业务的风险防范意识,合理控制仓位,及时关注持仓情况和保证金余额变化情况,理性投资。这已经是建设银行近一个月的第二次风险提示了,此前3月下旬,也曾发布过类似提示。

  此外工商银行、兴业银行也都给出类似提示。3月18日,上海黄金交易所也要求会员单位提示投资者“合理控制仓位”,做好风险预案。

  黄金还能上车吗?

  国际金价上蹿下跳,那么现在黄金投资到底还能参与吗?

  据21理财私房课,首先你要知道金价从2023年10月以来已经涨了超过70%,尤其今年以来涨得挺快,积累了一定风险。现在金价已经进入“高波动、高风险、高预期”的新阶段,这个时候投资就要注意控制风险了,尽量不要加杠杆,加杠杆炒黄金不但可能把本金亏完,甚至可能倒欠一笔债务。

  其次不要把黄金当股票炒,黄金作为避险资产适合中长期投资而不是短期炒作。买卖实物黄金还存在手续费高、变现难等问题。

  (文章来源:21财经)

  欧元兑美元升至三年高位,投资者权衡美联储主席鲍威尔提前离职的风险。欧元/美元一度上涨0.7%至1.1476,为2022年2月以来最高水平。美元即期指数下跌0.5%,美元所有G-10货币全线走低;美元/日元下跌0.6%至141.29。

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