【环球网消费综合报道】近期，国际黄金价格持续攀升，屡创新高，一举突破4000美元/盎司的关键点位。在此背景下，黄金相关 理财产品市场迅速升温，成为投资者关注的焦点。面对这波"黄金热"，业内人士提醒，投资者应保持理性，根据自身风险偏好审 慎布局，切勿盲目追高。 专家提醒：理性投资，警惕高位风险 尽管黄金的长期配置价值受到广泛认可，但其价格波动性也不容忽视。对于投资者而言，当前金价已处于历史高位，未来走势存 在不确定性。 邮储银行研究员娄飞鹏认为，随着避险和资产配置需求的上升，黄金理财市场前景广阔，但投资者需更加看重其风险对冲功能。 多位业内人士共同呼吁，投资者在"上车"前应充分了解产品特性，评估自身风险承受能力，避免将黄金理财作为短期投机工具。 可通过专业机构多元化配置来平衡收益与风险，实现资产的长期稳健增值。（文馨） 金价强势上涨，黄金理财业绩亮眼 产品创新提速，策略日益多元 为满足投资者多元化的需求，理财公司正积极创新黄金理财产品的设计与策略。据普益标准研究员介绍，当前产品已不再局限于 单一挂钩金价，而是涌现出区间收益、复合结构、自动止盈等多种模式，以增强产品的灵活性和风险控制能力。 在资产配置上，投资范围 ...

近期，在多重因素推动下，国际金价连续上涨，多只黄金相关理财产品的业绩表现也较为亮眼，部分产 品近期收益率远超同风险等级的其他产品。 业内人士表示，对投资者而言，近期金价高位波动，在购买黄金相关理财产品时，投资者应结合自身风 险偏好，通过多元化配置平衡收益与风险，以实现资产稳健增值，而非追逐短期收益。 理财公司积极布局黄金相关理财产品 近日，国际黄金价格屡创新高，截至北京时间10月9日22:11，现货黄金报4024.1美元/盎司，虽较昨日有 所回调，但仍维持在4000美元/盎司高位之上，9月以来，累计涨幅超16%。黄金相关的理财产品整体收 益表现较为抢眼，部分产品近期收益率远超同风险等级的其他产品。 "我们代销的招银理财旗下的黄金相关理财产品目前主要有两大类，一类是稳金系列'固收+'产品，此类 产品以高等级信用债打底，加入黄金、量化中性策略，在捕捉黄金长期上行收益的同时，通过多元化配 置分散风险；另一类是黄金结构性理财产品，包括自动触发、二元结构、鲨鱼鳍等结构，主要投资黄金 相关衍生品，适合追求安全底线、对黄金投资有一定见解、并希望资金灵活运作的投资者购买。"招商 银行北京市西城区一支行理财经理告诉记者。 探索 ...

近期，在多重因素推动下，国际金价连续上涨，多只黄金相关理财产品的业绩表现也较为亮眼，部分产 品近期收益率远超同风险等级的其他产品。 普益标准相关研究员告诉记者，产品设计方面，理财机构不再局限于传统的单一金价挂钩型，而是探索 区间收益、复合结构、自动止盈等模式，以增强产品的灵活性和风险缓释能力。资产配置方面，投资标 的范围得到拓展，除直接挂钩黄金外，不少产品开始叠加黄金ETF、黄金股ETF、黄金主题类主动管理 基金等资产。 "我们代销的招银理财旗下的黄金相关理财产品目前主要有两大类，一类是稳金系列'固收+'产品，此类 产品以高等级信用债打底，加入黄金、量化中性策略，在捕捉黄金长期上行收益的同时，通过多元化配 置分散风险；另一类是黄金结构性理财产品，包括自动触发、二元结构、鲨鱼鳍等结构，主要投资黄金 相关衍生品，适合追求安全底线、对黄金投资有一定见解、并希望资金灵活运作的投资者购买。"招商 银行北京市西城区一支行理财经理告诉记者。 探索更多黄金配置策略 业内人士表示，对投资者而言，近期金价高位波动，在购买黄金相关理财产品时，投资者应结合自身风 险偏好，通过多元化配置平衡收益与风险，以实现资产稳健增值，而非追逐短期 ...

探索更多黄金配置策略 近日，国际黄金价格屡创新高，截至北京时间10月9日22:11，现货黄金报4024.1美元/盎司，虽较昨日有 所回调，但仍维持在4000美元/盎司高位之上，9月以来，累计涨幅超16%。黄金相关的理财产品整体收 益表现较为抢眼，部分产品近期收益率远超同风险等级的其他产品。 近期，在多重因素推动下，国际金价连续上涨，多只黄金相关理财产品的业绩表现也较为亮眼，部分产 品近期收益率远超同风险等级的其他产品。 例如，兴银理财一款黄金多元复合策略R3等级产品近一个月年化收益率达8.41%；招银理财一款黄金鲨 鱼鳍系列R2等级产品近一个月年化收益率达6.27%，成立以来年化收益率达4.07%。 业内人士表示，对投资者而言，近期金价高位波动，在购买黄金相关理财产品时，投资者应结合自身风 险偏好，通过多元化配置平衡收益与风险，以实现资产稳健增值，而非追逐短期收益。 中国理财网数据显示，截至10月9日，处于存续期的黄金相关理财产品已达48只，其中今年新成立产品 有14只。9月以来黄金相关理财产品发行节奏明显加快，9月份新成立的产品有5只。 在资产配置与产品设计方面，多家理财公司探索多元投资策略与风控模式。 普 ...

《风险提示》首个披露的案例，聚焦近期高发的"农业云养殖"领域。据介绍，某地市民孙女士经朋友介 绍，接触到一款"云养黑猪"投资项目。该平台对外宣称，投资者无需实地参与养殖，认购后即可享受年 化60%的固定收益。孙女士投入资金后，平台以"系统升级"为由冻结提现功能，随后关闭APP。经查， 该项目无真实养殖场，利用层级返利发展4万会员，涉案金额超亿元，涉嫌非法传销活动。 深圳市委金融办特别提示，近年来，"云养经济"领域违法犯罪活动高发。一些不法分子往往打着"发展 农业产业"的幌子，将正常的农产品种养、销售环节包装成"投资融资项目"，借助互联网平台广泛宣传 推广，从事违法犯罪活动，既侵害公众合法利益，也对农业产业健康发展造成负面影响。 据了解，此类欺诈活动存在三大典型特征：一是以"农业+科技"为噱头，炒作田园生活、有机生态、智 慧农业等热点，伪造养殖、种植的视频图片来虚构或夸大实际生产场景，对外宣称低风险、高收益，但 真实经营模式难以支撑其承诺收益；二是网络属性强，不法分子依托互联网、移动应用程序开展运营， 通过网上支付工具收付资金，风险波及范围广、扩散速度快，资金监管和追踪难度大；三是存在多种违 法犯罪风险，不法分 ...

专家提醒，对于想投资黄金的消费者来说，普通投资者不要"赌"金价，黄金价格受多方面因素影响且很难量化，在进行大笔投资前一定要慎重；对于想购买 金饰的消费者来说，在选购时一定要认准品牌金店，不要贪小便宜吃大亏。 婚庆旺季助推购金需求 "10月结婚的人比较多，从9月开始就已经能明显感觉到来看金饰的人变多了。"某品牌黄金专柜的一名销售人员对记者表示。 在北京菜市口百货股份有限公司（以下简称菜百商场），有情侣一起来选购金饰的，还有带着"亲友团"一起选购"三金"的。一位准新郎表示，感觉后续金价 还会涨，"没必要等"，不如趁现在很多品牌有活动，"该买就买"。 中国商报（记者 马文博 文/图）黄金价格又涨了！10月1日，国内多家品牌金店足金首饰单克价格均已突破1120元。记者随机采访了解到，绝大部分消费者 对黄金价格的未来走势继续看涨。因此，即便金价屡创新高，部分消费者还是想着"该买现在就买"，也有部分消费者将目光放到黄金理财上。 消费者在选购金饰。 在国庆假期消费旺季，不少品牌金店推出了优惠活动促单。比如，菜百商场年中会员积分回报活动持续到10月8日，这期间在菜百商场任意门店消费且积分 卡内分值满1分即可参加。周大生多家门 ...

黄金价格又涨了！ 10月1日，国内多家品牌金店足金首饰单克价格均已突破1120元。记者随机采访了解到，绝大部分消费者对黄金价格的未来走势继续看 涨。因此， 即便金价屡创新高，部分消费者还是想着"该买现在就买"，也有部分消费者将目光放到黄金理财上。 专家提醒，对于想投资黄金的消费者来说，普通投资者不要"赌"金价，黄金价格受多方面因素影响且很难量化，在进行大笔投资前一定要慎重；对于想购 买金饰的消费者来说，在选购时一定要认准品牌金店，不要贪小便宜吃大亏。 △消费者在选购金饰。 在国庆假期消费旺季，不少品牌金店推出了优惠活动促单。比如，菜百商场年中会员积分回报活动持续到10月8日，这期间在菜百商场任意门店消费且积 分卡内分值满1分即可参加。周大生多家门店推出活动，黄金首克克减150元，定价黄金第一件为8.8折、第二件为8.5折。 除了选购"三金"的人群外，随着悦己消费的兴起， 也有不少消费者为自己购买心仪的金饰，以戒指、耳钉等克重相对小一些的饰品为主。 北京的王女士说："趁着有优惠活动，自己还有时间，就过来看看，买个新戒指犒劳一下自己。"王女士表示，现在金店首饰的设计越来越年轻化、时尚 化，每家店都有不错的款式，看 ...

Group 1 - The core viewpoint of the article highlights the surge in gold prices and the increasing popularity of gold investment products, leading to a dilemma for investors on whether to enter the market now or risk being "the last one holding the bag" [1][14]. - Recent trends show that traditional fixed-income products have seen yields drop below 2%, making gold investment products more attractive, with annualized returns ranging from 2.00% to 4.00% [3][5]. - As of September 28, there are 48 gold-related investment products available in the market, indicating a significant interest from banks in launching these products [5]. Group 2 - The structure of gold investment products has evolved, now offering various strategies beyond just tracking gold prices, such as different price range settings for returns [7]. - Many products now include underlying assets like gold ETFs and gold stock ETFs, which help diversify risk [9]. - The demand for gold investment products is high, with bank clients frequently inquiring about them, as they offer a way to potentially earn higher returns with lower risk compared to direct gold trading [11]. Group 3 - Long-term support for gold prices is expected due to factors such as potential interest rate cuts by the Federal Reserve and ongoing geopolitical tensions [16]. - Analysts predict that gold prices may experience high volatility in the fourth quarter, with the possibility of price drops if interest rate expectations are not met [18]. - Investors are advised to consider a small allocation to gold investment products as a hedge against risk, rather than fully committing to high-risk strategies [20]. Group 4 - The current global economic conditions heavily influence gold prices, and any shifts in the Federal Reserve's stance could lead to reduced returns [22]. - There is a notable scarcity of popular gold investment products, with some banks already running out of quotas for new investments [23].

Core Insights - The demand for gold investment products has surged, with annualized returns for gold wealth management products ranging from 2.00% to 4.00%, outperforming similar products in a declining yield environment [1][7] - Financial institutions are rapidly launching new gold-related investment products, with five new offerings introduced in September alone, indicating a strong market response [2][3] Group 1: Market Trends - The number of gold-themed wealth management products has reached 48, with 16 of them being newly issued this year by various financial institutions [2] - The structure of gold investment products has evolved, moving beyond traditional price-linked models to include options like range returns and composite structures, enhancing flexibility and risk mitigation [3][4] Group 2: Product Features - New gold investment products include "fixed income + gold" structures, which combine fixed income assets with gold-related investments, and structured products linked to gold derivatives [2][3] - Some products are incorporating gold ETFs and gold stocks into their investment strategies, broadening the asset allocation scope [3][4] Group 3: Market Demand and Challenges - The high demand for gold investment products has led to a situation where many offerings are sold out, creating a "quota shortage" for investors [6] - Despite the popularity, there are challenges in risk management due to the volatility of gold prices influenced by global political and economic factors [6] Group 4: Price Performance and Future Outlook - Gold prices have seen significant increases, with spot prices reaching historical highs, contributing to the rising returns of gold-related investment products [7][9] - While short-term risks exist due to high price levels, long-term outlooks remain optimistic, supported by factors such as potential interest rate cuts and geopolitical tensions [8][9]

Core Viewpoint - The rising gold prices have led to a surge in gold investment products, which are outperforming traditional financial products in terms of returns [2][10]. Group 1: Market Trends - As of September 28, there are 48 existing investment products linked to gold, with 16 of them being newly issued this year by various financial institutions [3]. - The issuance of gold-linked investment products has accelerated, with five new products launched in September alone [3][4]. - The annualized returns for gold investment products have been concentrated between 2.00% and 4.00%, significantly outperforming similar products [10]. Group 2: Product Characteristics - Recent gold investment products are diversifying beyond traditional gold price-linked models to include structured products with varying return structures [4][5]. - Two main types of gold-linked investment products have emerged: "fixed income + gold" and structured products linked to gold derivatives [3][5]. - The investment scope has expanded to include gold ETFs and gold-related stocks, enhancing the risk-return profile of these products [7]. Group 3: Investor Behavior - There is a growing demand for gold investment products, leading to a situation where many products are sold out shortly after launch [8]. - Investors are increasingly seeking higher returns, with many shifting from traditional fixed-income products to riskier gold-linked investments [8][10]. - Some investment products have reached their return targets early, prompting early termination and profit-taking [10]. Group 4: Future Outlook - Despite the current high prices, analysts remain optimistic about gold's long-term prospects due to geopolitical tensions and central bank purchasing [12]. - The market anticipates potential further interest rate cuts by the Federal Reserve, which could support gold prices in the medium to long term [11][12]. - Analysts predict that gold prices will remain high but may experience increased volatility in the near future [12].