黄金保值神话破灭？聪明人转投钻石的财富密码

Core Insights - The article emphasizes that diamonds, rather than gold, are the true investment assets due to their significant appreciation in value over time [2][3][4] Price Trends - Over the past five years, high-quality white diamonds (1 carat and above) have appreciated at an average annual rate of 8.2%, while gold's annual return was only 3.9% [2] - A specific case highlighted a 3-carat diamond purchased for 120,000 yuan a decade ago, which sold for 380,000 yuan at auction this year [2] Market Dynamics - The diamond market operates on a "three powers separation" system, with GIA certification acting as a diamond's identity card, establishing a global value coordinate system [2] - The Shenzhen market reportedly circulates diamonds worth 2 billion yuan daily, indicating a robust trading environment for loose diamonds [3] Investment Considerations - The article warns that 90% of consumers make the mistake of treating jewelry as an investment, as set jewelry depreciates immediately upon purchase [3] - The average price difference between retail and recovery for gold jewelry in 2023 was 28%, while the secondary market discount for quality diamonds was only 15% [3] Long-term Value - Diamonds typically require a long-term investment horizon, with significant value increases often occurring after a 10-20 year period [4] - A strategy called "carat dollar-cost averaging" is suggested, where investors gradually purchase smaller diamonds to accumulate larger carats over time [4] Market Misconceptions - The article clarifies that lab-grown diamonds, while cheaper, do not hold value, and that custom jewelry often incurs higher costs than the diamonds themselves [4][5] - Second-hand diamonds can sometimes fetch higher prices than new ones due to historical significance, provided they come with proper certification and provenance [4]