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gold prices have risen by 30% this year, boosting the popularity of this type of financial products

2024-09-26

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due to multiple factors including the federal reserve's loose monetary policy and geopolitical conflicts, the gold market has seen a fierce rise. on september 25, london gold climbed to a new high of $2,670 an ounce, with a year-to-date increase of about 30%.

in the current market environment, many financial management companies such as china merchants bank financial management, ping an financial management, and china post financial management have begun to issue financial management products linked to gold. according to statistics, a total of 33 financial management products linked to gold investment have been issued since august, most of which adopt structured investment strategies.

industry insiders believe that buying financial products linked to gold is a safe way to participate in gold investment and participate in the potential rise in gold prices. such products usually adopt option strategies, and the product income is composed of fixed income and option income. the fixed income comes from bonds, and the option income depends on the performance of gold. industry insiders also pointed out that although the upward trend of gold prices is still there, the risk of short-term technical correction is also increasing. such products also have multiple risks such as the inability to achieve high returns, a single maturity structure, and insufficient risk warnings. investors should invest with caution.

accelerate issuance

following a wave of financial products linked to gold issued by financial management companies at the beginning of the year, this trend has returned recently. wind data shows that since august, a total of 33 financial products linked to gold investment have been issued, involving several financial management companies such as china merchants bank wealth management, ping an wealth management, china post wealth management, and everbright wealth management.

the performance benchmarks of such products have a wide range. for example, the performance benchmark range of "zhaoxin wealth management zhaorui focus linkage steady gold shark fin 3 a" is 1.4%~5.10%, and the performance benchmark of "sunshine qingrui yuelexiang 13th period (gold automatic trigger strategy)" issued by everbright wealth management is 0.01% at the lower limit and 4.25% at the upper limit. the aforementioned wealth management products are all r2 risk level, with maturity types ranging from 1 to 3 years, 6 to 12 months, and 3 to 6 months.