15日，国际金价再创新高，历史上首次冲破4200美元/盎司，年内涨幅近60%。国内多个品牌足金饰品 价格也突破1200元每克。黄金价格一直上涨，现在还能不能投资？黄金投资怎么选？ 普通人能接触到的黄金投资品种主要有实物黄金、交易类黄金和黄金ETF三种。 ■实物黄金——捏在手里的"定心丸" 银行、金店都能买到投资金条。这是最"实在"的产品，购买也很方便。在手机银行即可预约，付款后， 携带身份证到约好的网点提货，一些银行还支持邮寄到家。投资金条有加工费，五大银行100克金条的 加工费一般都在百元左右。 提示：拿到手后，原包装不要拆，凭证千万别丢，今后回购时要用。 ■交易类黄金——灵活省心的投资方式 打开手机银行就能买，1克就能投资，也可以按金额买入。交易类黄金就是存在自己账户里的黄金，买 的时候见不到实物金条。像黄金积存、贵金属钱包、存金通等都属于交易类黄金。它比较适合短线交易 投资者。 ■黄金ETF——这是波段操作的"利器" 作为挂钩金价指数的基金产品，黄金ETF近期热度很高。和买股票一样，打开证券账户，输入对应代码 就能投资。最低100份起购，大致1克黄金的价格，对小额投资者友好。它的手续费也比前两种要低，买 ...

15日，国际金价再创新高，历史上首次冲破4200美元/盎司，年内涨幅近60%。国内多个品牌足金饰品 价格也突破1200元每克。黄金价格一直上涨，现在还能不能投资？黄金投资怎么选？ 普通人能接触到的黄金投资品种主要有实物黄金、交易类黄金和黄金ETF三种。 ■ 实物黄金——捏在手里的"定心丸" 银行、金店都能买到投资金条。这是最"实在"的产品，购买也很方便。在手机银行即可预约，付款后， 携带身份证到约好的网点提货，一些银行还支持邮寄到家。投资金条有加工费，五大银行100克金条的 加工费一般都在百元左右。 提示：拿到手后，原包装不要拆，凭证千万别丢，今后回购时要用。 ■ 交易类黄金——灵活省心的投资方式 打开手机银行就能买，1克就能投资，也可以按金额买入。交易类黄金就是存在自己账户里的黄金，买 的时候见不到实物金条。像黄金积存、贵金属钱包、存金通等都属于交易类黄金。它比较适合短线交易 投资者。 ■ 黄金ETF——这是波段操作的"利器" 囤的金条如何变现？ 首先，买的时候一定要问清楚卖家是不是有回购业务。大部分银行只回购自己卖出的金条，大型金店一 般也会回购金条。 其次，带齐证件：包括身份证+购买凭证。另外，银行回购 ...

Core Viewpoint - The precious metals market is experiencing a surge in interest, with rising gold and silver prices driving both investment and consumer enthusiasm [1] Group 1: Market Trends - Gold and silver prices have increased, leading to a notable rise in inquiries and sales of precious metal products at banks [1] - The price of gold rose by 0.7% to $3355.1 per ounce between July 7 and July 20, remaining above $3300 per ounce [4] - Silver prices have seen a significant increase, with spot prices surpassing $39 per ounce, marking a recent high [4] Group 2: Bank Strategies - Multiple banks are enhancing their product offerings and marketing strategies to capture market interest in precious metals [1] - Agricultural Bank has introduced differentiated products and promotions, including discounts on gold bars and a flexible gold accumulation product [2] - Smaller banks are focusing on online promotions through mobile banking apps and social media to attract younger consumers [2] Group 3: Investment Insights - The demand for gold is driven by geopolitical tensions, expectations of Federal Reserve interest rate cuts, and central bank purchases [3] - Investment products like standard gold and silver bars are favored by conservative investors due to their high purity and liquidity [2] - Collectible products, such as themed coins and silver medals, are gaining popularity in the collector's market due to their unique designs [2] Group 4: Future Outlook - Short-term price fluctuations for gold are expected to remain between $3300 and $3500 per ounce, while silver may aim for 10,000 yuan per kilogram [4] - The rise in silver prices is attributed to increased industrial demand, particularly in solar energy and electric vehicles [4]