普通投资者如何享受黄金上涨？世界黄金协会中国区CEO支招

Core Viewpoint - The price of gold priced in RMB has significantly increased by 28% in 2024 and continues to rise in 2025, with a more than 24% increase in the first six months. However, the CEO of the World Gold Council's China division, Wang Lixin, notes that few investors have truly benefited from this surge despite the high returns compared to mainstream financial assets [1]. Group 1: Investment Challenges - Ordinary investors face three main challenges when investing in gold: decision-making difficulties, timing issues, and holding challenges. The psychological aspect of investing is crucial, especially as gold prices reach new highs [1]. - Wang Lixin suggests that ordinary investors consider "Gold+" products, which allow professional institutions to manage gold investments [1]. Group 2: "Gold+" Products - "Gold+" products are defined as multi-asset portfolios that allocate more than 5% of their assets to gold. Currently, various public funds and bank wealth management products have emerged that include gold in their asset allocation [1]. - Most publicly available "Gold+" products allocate between 5% to 10% of their assets to gold, with some products reaching up to 30% [1]. Group 3: Broader Investment Strategy - The broader concept of "Gold+" refers to an investment philosophy that integrates gold into multi-asset portfolios as a key factor for risk hedging and smoothing returns [3]. - The number of FOF products that invest in gold ETFs has nearly doubled each year over the past few years, indicating a significant growth in direct investment in gold by professional institutions [3]. Group 4: Long-term Investment Perspective - Individual investors often engage in short-term trading of gold, which contradicts the long-term investment philosophy that gold is typically associated with. "Gold+" products aim to shift investors from short-term speculation to long-term allocation, enhancing gold's strategic role in investment portfolios [6]. - The World Gold Council emphasizes that the value of "Gold+" lies in its ability to enhance the overall resilience and risk management of investment portfolios, especially in the context of increasing global uncertainty [6].