5 thoughts on “It's better to save money or save money”
Louise
Save money and gold are commonly used by ordinary people for wealth preservation. The contrast between the two is as follows: 1, value preservation: gold not only has currency attributes, but also the most common value preservation and hedging tools Essence After a period of time, the currency will inevitably depreciate. For example, the purchasing power of 10,000 yuan is now less than 10,000 yuan a decade. The deposit is mainly through the deposit interest rate to win inflation and the speed of currency depreciation. Therefore, during the inflation period, the value of gold preservation of gold is higher than that of deposit. 2, circulation: The currency's liquidity is very strong, bank deposits can be removed at any time, even deposit products with fixed periods such as regular deposits, large deposits or national debt, etc. , Getting ability is very strong. The liquidity of gold is relatively weak, and the real gold monetization is more troublesome. Many banks do not support recycling gold. Even if support, there are certain restrictions. Especially in the era of currency tightening, because of the lack of material, ordinary people need more currency to buy materials, and gold cannot be used directly to buy goods. 3, investment value: In a stable economic environment, the investment value of gold is actually very limited, with limited value -added space. Relatively speaking, stable investment methods such as Treasury bonds will be more suitable, investment risks are small, and the expected income of investment is considerable.
This summary: It can be seen through comparison, which is good to depend on the specific situation. If the main purpose of risk aversion, then depository will be more suitable. Money may not be better than depositing gold, you can choose a way suitable for you according to your own needs. The response time: 2020-08-03, please refer to the official website of Ping An Bank.
[Ping An Car Main Loan] You can loan if you have a car, up to 500,000
In the past year, it is better to invest in gold. Here, we replaced simple bank deposits with bank wealth management, because bank wealth management is higher than simple bank deposits and takes into account the liquidity of simply simply bank deposits. From the perspective of income: The picture below is the domestic gold price trend in the past year: In the chart we can see that in one year, the highest price of domestic gold is 416.39 yuan /Gram, the minimum price is 356.22 yuan/gram, and the maximum difference in the middle is 60.17 yuan/gram. If you invest in gold: 10,000 yuan gold, you can buy 27.66 (10000/361.60) grams of gold at 361.6 yuan/gram on March 10, and can make a profit of 832.15 (27.66*60.17/2) for one year. If financial management: 10,000 yuan in financial management, according to the average 4%yield of most banks, holding a year can make a profit of 400 (100,000*4%) yuan a year. The above data can be seen that if it is invested in gold in the past year, it is much more earned than deposits. The noteworthy is that although gold has the effect of preserving value, from the perspective of strong liquidity and less risk, it is still better than bank deposits or bank financial management. But think twice.
Gold is better. 1, preservation gold not only has currency attributes, but also the most common value preservation and hedging tools. After a period of time, the currency will inevitably depreciate. For example, the purchasing power of 10,000 yuan is now less than 10,000 yuan a decade. The deposit is mainly through the deposit interest rate to win inflation and the speed of currency depreciation. Therefore, during the inflation period, the value of gold preservation of gold is higher than that of deposit. 2. The liquidity of liquid currency is very strong. Bank deposits can be removed at any time. Even deposit products with fixed periods such as regular deposits, large deposit orders or national debt can be withdrawn in advance. The realization ability is very strong. Essence The liquidity of gold is relatively weak, and the real gold monetization is more troublesome. Many banks do not support recycling gold. Even if support, there are certain restrictions. Especially in the era of currency tightening, because of the lack of material, ordinary people need more currency to buy materials, and gold cannot be used directly to buy goods. 3, the investment value In a stable economic environment, the investment value of gold is actually very limited, and the value -added space is limited. Relatively speaking, stable investment methods such as government bonds will be more suitable, investment risks are small, and investment income is considerable. It can be seen that money deposit and gold depending on the specific situation. If the main purpose of avoidance is the purpose of avoidance, then depository will be more appropriate. If investment is the purpose of investment, saving money may not be better than depositing gold. 4, the above good content about deposit money and gold, I hope it will be helpful to everyone. Reminder, wealth management is risky, and investment needs to be cautious. The risk of financial management. Investment requires cautious risk reminder: This site is published as a wealth and gold knowledge service platform. It does not provide any guarantee for any investor and/or any transaction, whether it is explicit, implied or legal. The is not a legal document and does not constitute any invitation, investment suggestions or commitments. Investors should make decisions in accordance with their independent judgment. Please bear the consequences of the risks caused by investors to invest in transactions according to this. This site does not bear any responsibility. Risk reminder: Advertising information comes from the platform side, which does not represent platform security and does not constitute investment suggestions! Red envelopes, experience gold, wealth management funds, gift packages, interest rate hike coupons, full -scale coupons, coupons, etc. are not directly equivalent to cash. Reference income description is not a promise of income, and does not mean the ultimate real return. Wealth management has risks, and investment needs to be cautious!
From the perspective of preservation, gold is better, and gold is a tool for fighting currency instability and inflation. In the age of economic instability, gold must be better than saving money. In addition, the value of gold is relatively stable, and it will not have a significant depreciation due to the long -term time. It will not be like a house, cars, etc. may be depreciated.
, but you also need to consider whether you need long -term value preservation or short -term savings. If it is a short -term savings, it is more suitable for banks to exist in banks, because depository gold is generally generally deposited It ’s all long -term value preservation. I wo n’t buy gold today, and I will fulfill it tomorrow. So any assets have price fluctuation curves. Investment preservation and appreciation are respect for the value curve of these assets. Whoever can more accurately understand the price fluctuation law of various assets, who will quickly grasp the capital. Therefore, saving money or gold cannot be generalized, but to pay attention to global economic laws, attach importance to the international currency cycle, attach importance to international financial risks, and attach importance to the supply and demand relationship of gold, so as to master the basic operating cycle and laws of gold Only in this way can gold be used as a investment target to obtain better cyclical investment yields. The key to investment is to clear the risks and yields of different assets at any time, understand the characteristics and functions of safety assets and risk assets, and clear what kind of assets are replaced in different cycles at any time, and then according to yourself Investment in risk preferences is by no means to buy gold and other assets to save and wait for appreciation, so that there will be no good investment results.
First, preservation. Gold not only has currency attributes, but also the most common value -preserving and hedging tools; deposits mainly use deposit interest rates to win inflation and currency depreciation speed. During the inflation period, the value preservation value of gold is higher than the deposit.
. For investors with a long -term savings plan, deposit gold is more favorable; investors with a large demand for short -term funds are more suitable for saving money.
. Therefore, depositing money to save money depends on the specific situation: if the purpose of short -term savings, the flexibility of saving money is more flexible;
Save money and gold are commonly used by ordinary people for wealth preservation. The contrast between the two is as follows:
1, value preservation:
gold not only has currency attributes, but also the most common value preservation and hedging tools Essence After a period of time, the currency will inevitably depreciate. For example, the purchasing power of 10,000 yuan is now less than 10,000 yuan a decade. The deposit is mainly through the deposit interest rate to win inflation and the speed of currency depreciation. Therefore, during the inflation period, the value of gold preservation of gold is higher than that of deposit.
2, circulation:
The currency's liquidity is very strong, bank deposits can be removed at any time, even deposit products with fixed periods such as regular deposits, large deposits or national debt, etc. , Getting ability is very strong. The liquidity of gold is relatively weak, and the real gold monetization is more troublesome. Many banks do not support recycling gold. Even if support, there are certain restrictions. Especially in the era of currency tightening, because of the lack of material, ordinary people need more currency to buy materials, and gold cannot be used directly to buy goods.
3, investment value:
In a stable economic environment, the investment value of gold is actually very limited, with limited value -added space. Relatively speaking, stable investment methods such as Treasury bonds will be more suitable, investment risks are small, and the expected income of investment is considerable.
This summary: It can be seen through comparison, which is good to depend on the specific situation. If the main purpose of risk aversion, then depository will be more suitable. Money may not be better than depositing gold, you can choose a way suitable for you according to your own needs.
The response time: 2020-08-03, please refer to the official website of Ping An Bank.
[Ping An Car Main Loan] You can loan if you have a car, up to 500,000
b.pingan/station/activity/qr-carloan/loantrust? Source = SA0000632
In the past year, it is better to invest in gold.
Here, we replaced simple bank deposits with bank wealth management, because bank wealth management is higher than simple bank deposits and takes into account the liquidity of simply simply bank deposits.
From the perspective of income:
The picture below is the domestic gold price trend in the past year:
In the chart we can see that in one year, the highest price of domestic gold is 416.39 yuan /Gram, the minimum price is 356.22 yuan/gram, and the maximum difference in the middle is 60.17 yuan/gram.
If you invest in gold: 10,000 yuan gold, you can buy 27.66 (10000/361.60) grams of gold at 361.6 yuan/gram on March 10, and can make a profit of 832.15 (27.66*60.17/2) for one year.
If financial management: 10,000 yuan in financial management, according to the average 4%yield of most banks, holding a year can make a profit of 400 (100,000*4%) yuan a year.
The above data can be seen that if it is invested in gold in the past year, it is much more earned than deposits.
The noteworthy is that although gold has the effect of preserving value, from the perspective of strong liquidity and less risk, it is still better than bank deposits or bank financial management. But think twice.
Gold is better.
1, preservation gold not only has currency attributes, but also the most common value preservation and hedging tools. After a period of time, the currency will inevitably depreciate. For example, the purchasing power of 10,000 yuan is now less than 10,000 yuan a decade. The deposit is mainly through the deposit interest rate to win inflation and the speed of currency depreciation. Therefore, during the inflation period, the value of gold preservation of gold is higher than that of deposit.
2. The liquidity of liquid currency is very strong. Bank deposits can be removed at any time. Even deposit products with fixed periods such as regular deposits, large deposit orders or national debt can be withdrawn in advance. The realization ability is very strong. Essence The liquidity of gold is relatively weak, and the real gold monetization is more troublesome. Many banks do not support recycling gold. Even if support, there are certain restrictions. Especially in the era of currency tightening, because of the lack of material, ordinary people need more currency to buy materials, and gold cannot be used directly to buy goods.
3, the investment value In a stable economic environment, the investment value of gold is actually very limited, and the value -added space is limited. Relatively speaking, stable investment methods such as government bonds will be more suitable, investment risks are small, and investment income is considerable. It can be seen that money deposit and gold depending on the specific situation. If the main purpose of avoidance is the purpose of avoidance, then depository will be more appropriate. If investment is the purpose of investment, saving money may not be better than depositing gold.
4, the above good content about deposit money and gold, I hope it will be helpful to everyone. Reminder, wealth management is risky, and investment needs to be cautious.
The risk of financial management. Investment requires cautious risk reminder: This site is published as a wealth and gold knowledge service platform. It does not provide any guarantee for any investor and/or any transaction, whether it is explicit, implied or legal.
The is not a legal document and does not constitute any invitation, investment suggestions or commitments. Investors should make decisions in accordance with their independent judgment. Please bear the consequences of the risks caused by investors to invest in transactions according to this. This site does not bear any responsibility.
Risk reminder: Advertising information comes from the platform side, which does not represent platform security and does not constitute investment suggestions! Red envelopes, experience gold, wealth management funds, gift packages, interest rate hike coupons, full -scale coupons, coupons, etc. are not directly equivalent to cash. Reference income description is not a promise of income, and does not mean the ultimate real return. Wealth management has risks, and investment needs to be cautious!
From the perspective of preservation, gold is better, and gold is a tool for fighting currency instability and inflation. In the age of economic instability, gold must be better than saving money. In addition, the value of gold is relatively stable, and it will not have a significant depreciation due to the long -term time. It will not be like a house, cars, etc. may be depreciated.
, but you also need to consider whether you need long -term value preservation or short -term savings. If it is a short -term savings, it is more suitable for banks to exist in banks, because depository gold is generally generally deposited It ’s all long -term value preservation. I wo n’t buy gold today, and I will fulfill it tomorrow.
So any assets have price fluctuation curves. Investment preservation and appreciation are respect for the value curve of these assets. Whoever can more accurately understand the price fluctuation law of various assets, who will quickly grasp the capital.
Therefore, saving money or gold cannot be generalized, but to pay attention to global economic laws, attach importance to the international currency cycle, attach importance to international financial risks, and attach importance to the supply and demand relationship of gold, so as to master the basic operating cycle and laws of gold Only in this way can gold be used as a investment target to obtain better cyclical investment yields.
The key to investment is to clear the risks and yields of different assets at any time, understand the characteristics and functions of safety assets and risk assets, and clear what kind of assets are replaced in different cycles at any time, and then according to yourself Investment in risk preferences is by no means to buy gold and other assets to save and wait for appreciation, so that there will be no good investment results.
First, preservation. Gold not only has currency attributes, but also the most common value -preserving and hedging tools; deposits mainly use deposit interest rates to win inflation and currency depreciation speed. During the inflation period, the value preservation value of gold is higher than the deposit.
. For investors with a long -term savings plan, deposit gold is more favorable; investors with a large demand for short -term funds are more suitable for saving money.
. Therefore, depositing money to save money depends on the specific situation: if the purpose of short -term savings, the flexibility of saving money is more flexible;