黄金定投门槛步入“千元时代”

Core Insights - The international gold price has reached a new historical high, prompting domestic gold jewelry prices to rise significantly [2][5] - Major banks have raised the investment threshold for gold accumulation products, marking a shift to a "thousand yuan era" for minimum investment amounts [2][3] Summary by Category International Gold Prices - COMEX gold prices have recently surpassed $4200 per ounce, with a peak of $4252.20 per ounce, reflecting a 1.7% increase on that day and a cumulative increase of 7.49% in October [4] - London spot gold also crossed the $4200 per ounce mark, reaching a high of $4200.23 per ounce, with a daily increase of 1.4% [4] Domestic Gold Jewelry Prices - On October 15, domestic gold jewelry prices saw significant increases, with notable examples including: - Chow Tai Fook's gold jewelry price rising from 1215 yuan per gram to 1235 yuan per gram, an increase of 20 yuan [5] - Chow Sang Sang's gold jewelry price increasing from 1213 yuan per gram to 1227 yuan per gram, a rise of 14 yuan [5] - Lao Feng Xiang's gold jewelry price going from 1206 yuan per gram to 1230 yuan per gram, an increase of 24 yuan [5] Bank Policy Changes - Both Bank of China and Industrial and Commercial Bank of China have raised the minimum investment amounts for gold accumulation products multiple times this year, with Bank of China increasing it from 650 yuan to 950 yuan, a total increase of 300 yuan [3] - Industrial and Commercial Bank of China has raised its threshold from 650 yuan to 1000 yuan, totaling a 350 yuan increase [4] Market Response and Risk Management - The banks' actions are seen as a necessary risk management response to the soaring international gold prices, aimed at moderating market enthusiasm and preventing potential trading risks due to price volatility [4] - Financial institutions are taking responsibility by raising thresholds during high price periods to guide customers towards rational investment decisions [4]