来源：新鲜速递 一、价格动态与市场反应 国际金价与国内传导 黄金：现货黄金日内涨幅超2%，最高报4630美元/盎司，新年首月累计上涨280美元（约1953元人民 币）。纽约期金同步突破4600美元，创历史纪录。 白银：现货白银涨超5%，站上86美元/盎司；沪银期货主力合约单日大涨14.42%，突破20998元/千克。 白银年内实际涨幅为17.44%（此前185%为错误引用）。 国内零售市场：品牌金饰价格单日跳涨19-22元/克，周大福、老凤祥等报价达1429元/克，60克金镯总价 较年初翻倍至超8万元。 消费者与投资者两极分化 刚需焦虑：婚庆"三金"成本激增，部分新人推迟婚期或转向"银行金条+深圳水贝加工"，节省30%成 本。 投资行为：早期囤金者套现获利（如山东投资者卖出2公斤金条净赚百万），但散户追高易引发贷款购 金风险；部分投资者因"卖飞"黄金（提前抛售）表示遗憾。 二、核心上涨动因 2026年1月12日，现货黄金价格首次突破4600美元/盎司，盘中最高触及4630美元，创下历史新高，同时 白银突破86美元/盎司，贵金属市场迎来新一轮暴涨行情。 三、市场分歧与风险警示 主要风险点： 货币政策宽松预期 美 ...

Core Insights - The gold market has seen a significant surge, with spot gold prices reaching $4,100 per ounce and an eight-day consecutive rise, indicating a potential overbought condition as reflected by the RSI index hitting 75 [1][3] - Central banks have net purchased over 600 tons of gold in 2025, suggesting a long-term bullish trend for gold, while short-term volatility necessitates a cautious approach to investment [1][3] Investment Strategy - The recommendation is to adopt a staggered buying approach within the $4,000-$4,010 range, with a stop-loss set at $3,950 and a target price of $4,160, emphasizing the importance of not investing all at once [1][3] - The RSI indicator, which indicates overbought conditions when above 70, suggests that new investors should be cautious as gold prices may experience significant fluctuations [3][4] Trading Tools and Platforms - The use of advanced trading platforms like Jinsheng, which provide real-time data updates and alerts, can significantly enhance trading efficiency, allowing investors to capitalize on rapid price movements [4][5] - Jinsheng's dynamic risk control features enable automatic stop-loss execution, helping investors manage their risk effectively by limiting losses to 2% of their account balance [7][8] Learning and Practice - New investors are encouraged to utilize simulated trading accounts to practice strategies like staggered buying before committing real funds, which can help build confidence and understanding of market dynamics [9] - The low entry threshold for trading, with a minimum investment of 0.01 lots, allows small investors to participate in the gold market while following institutional strategies [9] Platform Selection Criteria - When choosing a trading platform, it is crucial to verify the platform's membership with the Hong Kong Gold Exchange and ensure that funds are bank-custodied for security and faster withdrawal processes [10]