金价又涨疯了！买就能发？想太多了，这不是普通人可以参与的游戏

Core Viewpoint - The recent surge in gold prices, reaching historical highs, is driven by global capital fleeing the US dollar, with central banks aggressively purchasing gold as a hedge against risks [4][5][7]. Price Summary - As of April 22, the spot gold price surpassed $3500 per ounce, with domestic gold jewelry prices exceeding 1000 RMB per gram [1]. Market Dynamics - The gold market has split into two factions: bullish analysts predict prices could reach $4000 to $4500, while bearish analysts warn of a potential crash due to "irrational exuberance" [8][9]. Investment Behavior - Ordinary investors are increasingly drawn to gold, often influenced by social media trends, but this behavior may lead to significant financial risks [2][22]. Central Bank Activity - In 2023, central banks purchased a record 1136 tons of gold, indicating a strong trend towards gold as a neutral currency amid global economic uncertainties [7]. Investment Strategy - Experts advise that gold should be viewed as a hedge against inflation rather than a wealth-building tool, suggesting a maximum allocation of 10% of total assets to gold investments [14][21]. Risks of Speculation - The use of consumer loans to invest in gold is highlighted as a risky strategy, with potential for significant losses if gold prices decline [15][19]. Investment Platforms - The emergence of various gold investment platforms, often promising unrealistic returns, raises concerns about scams and the safety of investments outside of physical gold or reputable ETFs [20][21].