足金首饰突破1300元/克，市场品牌金饰直降百元仍遇冷，现在买金划算吗？

Core Viewpoint - The recent surge in gold prices has led to a significant increase in domestic gold jewelry prices, but actual sales have not met expectations due to high costs, prompting consumers to prefer smaller weight items and gold bar exchanges [1][3][5]. Price Trends - On November 11, international gold prices rose sharply, with spot gold exceeding $4130 per ounce and New York futures surpassing $4140 per ounce [1]. - Domestic gold jewelry prices also increased, with brands like Chow Tai Fook and Lao Feng Xiang pricing their gold jewelry at approximately 1308 to 1310 RMB per gram [1][3]. Consumer Behavior - Despite promotional activities, actual sales of large-weight gold jewelry have declined, as consumers are more inclined to purchase smaller weight items due to high prices [3][5]. - There is a noticeable trend of consumers opting for gold bar exchanges, with many customers inquiring about trading old gold for new jewelry [9][11]. Market Data - The China Gold Association reported a 32.5% year-on-year decline in gold jewelry consumption for the first three quarters, totaling 270.036 tons [8]. - The demand for lightweight and high-value jewelry remains strong, contrasting with the poor performance of larger items [8]. Banking Adjustments - Several banks have raised the minimum purchase threshold for gold accumulation plans in response to rising gold prices, with some banks adjusting their policies to protect investor interests [12][13]. - For instance, Citic Bank announced an increase in the minimum investment amount from 1000 RMB to 1500 RMB starting November 15, 2025 [13]. Investment Caution - Experts advise against speculative trading in gold, emphasizing the importance of cautious investment strategies and risk management [15][16].