Zheng Quan Ri Bao Zhi Sheng·2025-11-12 16:43Core Insights - International gold prices have significantly rebounded, surpassing the $4100 per ounce mark, prompting banks to adjust their gold accumulation business rules and increase minimum investment thresholds [1][2][3] Group 1: Changes in Investment Thresholds - Multiple banks have raised the minimum investment amount for gold accumulation plans, with some banks increasing the threshold to 1500 RMB, up from 1000 RMB [2][3] - The adjustments in minimum investment amounts have been frequent throughout the year, particularly accelerating in the third quarter, with banks like China Construction Bank and others raising the threshold from 600 RMB to 1000 RMB or more [3][4] Group 2: Regulatory Compliance and Risk Management - The increase in minimum investment thresholds is primarily driven by the need to mitigate potential risks associated with gold market volatility and to ensure compliance with regulatory requirements [1][4] - According to industry experts, the adjustments serve as a risk warning to investors, encouraging them to be cautious and avoid irrational investment behaviors [4][5] Group 3: Investment Strategies and Recommendations - Investors are advised to adopt a rational approach to gold asset allocation, focusing on long-term value preservation rather than short-term speculation [5][6] - It is recommended that investors utilize a periodic investment strategy to mitigate the impact of market volatility, while also considering their financial situation and risk tolerance when determining the proportion of gold in their overall asset allocation [6]