＂Save golden beans＂ has become the new favorite of young people in financial management. Is this method reliable？

　　Buying physical gold such as gold jewelry, gold bars, gold coins and nuggets is a familiar way for people to invest in gold, but recently, many gold jewelry brands have started to introduce small-gram products such as mini gold, Jin Doudou and golden melon seeds, the weight of which is mostly 1g, and the price is generally more than 500 yuan. Many netizens who have bought Jin Doudou call it a "wealth management weapon" for young people, and there is even a saying that "buying will preserve the value".

　　So,Why are young people keen on saving golden beans? What risks do you need to guard against when buying such goods?

　　"Save one every month" and save golden beans to become the new favorite of young people’s financial management

　　When the reporter searched social platforms, he found that many netizens took photos or videos of the small grams of gold they bought and shared them. Some people saved Jin Doudou full of transparent glass bottles, and there were often comments in the comment area that "it is better to save money than to save gold beans" and "it is better to buy gold beans than to buy funds".Saving golden beans has become a popular financial management method for young people nowadays.

　　△ netizens share the process of saving golden beans on social platforms.

　　The so-called golden beans usually refer to gold with a weight of about 1 gram. There is no labor fee, and the price depends on the market. At present, it is generally around 500 yuan. Compared with tens of grams and hundreds of grams of gold bars,One gram of golden beans lowers the purchase threshold and gives young people who want to invest in gold a chance to enter the market.

　　Ms. Liu, who lives in Beijing, was introduced by a friend and began to pay attention to Xiaoke Heavy Gold. She told reporters that saving a golden bean every month is her financial goal. In her view, this is similar to fixed investment, that is, making long-term investment. "It’s very satisfying to save one every month and watch more and more Jin Doudou in a small bottle."

　　Mr. Wang described himself as a "moonlight family" who spent all his living expenses every month. For him, buying golden beans is equivalent to forcing himself to save money. "Buying one every month is very interesting."

　　Jindou belongs to a kind of investment in gold bars with corresponding liquidation channels.

　　On the 15th, the reporter visited a store selling gold jewelry on the first floor of a shopping center in Beijing. Some salespeople said that many consumers in the store recently came to consult Jindou, thinking that gold can be realized at any time, and one gram of Jindou is several hundred yuan, which is more recognized by everyone.

　　Salesperson:Many young people buy one every month or every week, and the price of gold follows the market.

　　Reporter:What is the approximate price of 1 gram?

　　Salesperson:527 yuan, no need to add manual fees.

　　Reporter:If I save more and want to sell, what is the cash channel?

　　Salesperson:There are designated stores that can be cashed in, or some places where jewelry can be recycled. We also do it ourselves.

　　The reporter noticed that the maximum weight of gold products in the store display window is more than 50 grams. According to the salesman, Jindou is a kind of investment gold bars, and the store has investment gold bars with different weights for different consumer groups.

　　△ "Jin Doudou" product launched by a gold jewelry store

　　Expert: It is not advisable to buy with the wind. You must have basic knowledge of investment and financial management.

　　According to the White Paper of China Gold and Jewelry Consumption Survey in 2021, customers aged 25 to 35 account for over 70% of the consumers in gold shops. Among them, the e-commerce platform has become an important channel for young people to buy gold. After the popularity of Xiaokezhong gold products, many jewelry platforms have launched products such as "Jin Doudou" and "Golden Melon Seeds" on the e-commerce platform.

　　According to the data of the National Bureau of Statistics, from the product category of gold jewelry consumption, consumers are more inclined to buy light weight products, and the sales volume of products priced by weight is significantly higher than that of products priced by pieces, and the investment and consumption of physical gold continues to grow rapidly.

　　Whether it is 1 gram of golden beans or large grams of gold bars and bricks, consumers need to pay attention to avoid risks if they buy for investment purposes. Dong Ximiao, chief researcher of Zhaolian, said,The price of gold is influenced by many factors and fluctuates greatly, so it should have certain risk avoidance ability.

　　"The price of gold is affected by some factors in the international market, and the fluctuation is obvious.Chinese often thinks that gold is an unchangeable product for preserving value, but it is not necessarily so.The fluctuation of gold price is sometimes relatively large, so we should pay attention to avoiding such risks. "

　　So, how to avoid the risks in investment? Dong Ximiao suggested, first of all,To have basic knowledge of investment and financial management, it is best to find a suitable investment method.

　　Investment and financial management should start from personal risk preference, investment ability, investment experience and other factors.Everyone should do their own asset allocation, and no investment method is suitable for everyone;

　　To have basic knowledge of investment and financial management,Know something about precious metals investment in particular;

　　Investment must buy products that you know. Nowadays, young people tend to have a "herd effect" when investing. It is not advisable for everyone to buy whatever they buy.Investment and financial management should choose the way that suits you..

　　Producer Liu Li

Reporter Yan Jiang Xiaochen

Editor Liu Bo

Proofreading Gao Shaozhuo