Group 1 - International gold prices have recently declined, with the latest data showing a drop to 782 yuan per gram, down from previous highs [1] - The decline in gold prices is attributed to three main factors: a shift in Federal Reserve policy expectations, easing geopolitical tensions, and technical profit-taking [1] - There is a notable divergence between physical gold and paper gold, with physical gold demand remaining strong as evidenced by the premium on Au99.99 in the Shanghai Gold Exchange [1] Group 2 - A price comparison among major banks reveals a maximum price difference of 13 yuan per gram, indicating that larger banks tend to have higher pricing due to brand premium and channel costs [2] - Investors can benefit from purchasing gold through bank apps, which typically offer prices 2-3 yuan lower per gram compared to counter prices [2] Group 3 - Investors are advised to monitor U.S. non-farm payroll data and CPI indicators, consider asset allocation with gold comprising 10%-15% of their portfolio, and choose low-fee investment channels like gold ETFs [3] - Caution is advised against blindly shorting gold, ignoring currency fluctuations, and making all-in bets due to the high volatility of gold [3] - Historical data indicates a 67% probability of seasonal declines in gold prices during April-May, but an average increase of 6.8% in the following third quarter [3]