每日钉一下（黄金，适合家庭资产配置吗 ？）

Group 1 - The article discusses the suitability of gold as an asset class for family asset allocation, comparing its long-term returns and volatility risks with other asset types [6][11]. - Gold's long-term annualized return from 1802 to 2021 is approximately 0.6% after adjusting for inflation, indicating it has outperformed inflation over the long term [6]. - Since the abandonment of the gold standard in 1971, gold has experienced significant price increases, with a long-term annualized return of 8.89% projected from 1971 to October 31, 2025 [9]. Group 2 - The volatility risk of gold is measured by its volatility rate and maximum drawdown, with a volatility rate around 35% and a maximum drawdown of approximately 44% since 2008 [11]. - Compared to stock assets, gold's risk level is slightly lower, but it is still significantly higher than that of bond assets [12]. - For family asset allocation, a suitable proportion of gold assets is recommended to be between 5% and 10% [12].