年轻人为何热衷攒“金豆豆”？

　　阅读提示

　　时下年轻人热衷新的理财方式——投资小克重黄金产品，黄金饰品品牌也顺势推出“迷你金“”金豆豆“”金瓜子“等小克重产品。业内人士提示，攒金豆可以被视为一种投资机会，但如果消费者以投资为目的购入，需要注意避开风险。

　　农历七月，中国情人节要到了，商家开始促销各种礼品。黄金饰品品牌开始推出“迷你金“”金豆豆“”金瓜子“等小克重产品，《工人日报》记者走访了解到，时下年轻人热衷新的理财方式——投资小克重黄金产品。

　　“每个月买几百元的金豆豆存起来，只要金价涨，我就算赚钱。”“攒钱不如攒金，买金豆豆=理财。”社交平台上，年轻人掀起攒金风，搜索相关帖子便有许多分享、心得。有网帖专门介绍哪种方式买黄金最合适，其中提到除了买黄金板料和投资金条外，强烈推荐买金豆豆、金瓜子。

　　黄金饰品受青睐

　　8月13日，记者在北京天雅珠宝城一楼走访黄金饰品店时注意到，尽管近期金价有所上涨，店内仍有不少顾客正在挑选黄金饰品，其中年轻人居多。除了为结婚做准备的情侣来买金之外，一些结伴而来的闺蜜团更青睐素金镯或小克重的黄金饰品。天眼查数据显示，我国现有金银首饰相关企业7.5万余家，其中38.5%的企业成立于5年内。

　　某金店店员告诉记者：“最近金价不断上涨，想买的话趁早下手。”而为了吸引客流，门店推出了优惠，比如每克减10元和每克减15元。销售章女士告诉记者，今年的金价大部分时间在580元/克上下浮动，记者查询多家黄金饰品店价格发现，黄金饰品平均在595元至600元/克之间。

　　“黄金首饰的定价等于现货金价的基础价格加上手工费，根据工艺不同，手工费的价格有高有低。”章女士介绍，近年来，购买素金产品的消费者越来越多，“多数消费者认为没有手工费的产品更值得入手。”

　　章女士说，“攒金豆”是一种年轻人热衷的新型理财方式，每周或每个月买1~3g，既可以起到强制储蓄的作用，避免“月光”，又让消费者体验购物的愉悦感和满足感。此外，用攒下的金豆豆、金瓜子来打首饰，比直接购买首饰的费用更低。

　　对此，一些黄金商家顺势推出小克重黄金产品，不只有金豆豆、金瓜子，还有小金元宝、小玉米、金大米、小福袋等多种造型的产品。“纪念日买金瓜子，既能留作纪念又可以升值。”章女士表示，目前1克~3克左右的“金豆子”确实销量很好，小克重黄金产品成为年轻人的理财新宠。

　　年轻人喜爱小克重黄金产品

　　记者实时查询某品牌旗舰店，产品“9999金豆豆1g有证书送瓶子”售价465元，3g则售价1386元，价位对于年轻人而言可以接受，算是较好入门的黄金产品，难怪受到年轻消费者喜爱。

　　据《2021中国黄金珠宝消费调查白皮书》显示，在金店消费群体中，25岁至35岁的顾客占比已经超过七成。这其中，社交媒体和电商平台的营销起到至关重要的作用，电商平台更是成为年轻人买金的重要渠道，小克重黄金产品走红后，不少珠宝平台都在淘宝、京东等平台开设的官方旗舰店内推出“金豆豆”“金瓜子”等商品，并且联合主播在直播间里推广售卖。

　　在领丰金的淘宝旗舰店里，“9999黄金豆豆1g生日礼物”介绍写明“可回收”“下单即送玻璃瓶”。该商品月销1万+，评价达6万多条，不少消费者都是回头客。而在领丰金京东旗舰店内，同类型产品销量已达10万+。

　　如此火爆的小克重黄金产品，也引起了银行注意。7月中旬，招商银行推出单枚1克的“攒金豆”、单枚3g的“金瓜子”产品。

　　针对小克重黄金产品，多家银行还推出了金章等产品。例如，工商银行正推出1克~18克可供客户选择的“如意成长金”金章；建设银行推出5克的“玉兔献宝”金章等。

　　需要注意避开风险

　　但值得注意的是，如果消费者以投资为目的购入，需要注意避开风险。一位黄金行业业内人士告诉记者：“黄金市场的价格波动较大，攒金豆需要长期投资，而在此过程中，如果市场价格大幅上涨，可能会导致投资者错失卖出时机，无法获得预期的收益。”

　　“此外，攒金豆也存在一些操作上的风险。例如，购买金豆的渠道选择、金豆的真伪鉴别、存储和保管等方面都需要投资者具备一定的专业知识和技巧。”该业内人士表示，现在有一些年轻消费者开始后悔攒金豆，甚至认为被“割韭菜”，大概率是在购买时没有注意避开风险。

　　记者在小红书上查询到，有博主详细介绍了如何购买真正可以“升值”的金豆豆产品：首先购买渠道要避开品牌溢价，同样是9999金豆豆1g，大品牌会比专做金豆豆产品的小品牌贵40元/g。其次，并不是所有的金店都支持回购，有的回收黄金的门店也不支持金豆的回收，而可以回收金豆的门店一般会对金豆按金首饰处理，回收价比金条略低，同时也会比当日金价低几十到百元不等。

　　业内人士提示，攒金豆可以被视为一种投资机会，但投资者需要具备一定的金融知识和风险意识，同时也需要谨慎选择合适的时间和方式进行投资。消费者千万不要被一些所谓的“噱头”所欺骗，尤其是黄金的纯度，这一点关系到日后黄金变现，且一定要注意回购渠道及要求，以及金价波动等因素，不可盲目跟风购买。

　　(工人日报 徐潇)

Why are young people eager to accumulate "golden beans"?

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Nowadays, young people are enthusiastic about new financial management methods - investing in small gram heavy gold products, and gold jewelry brands have also launched small gram heavy products such as "mini gold", "gold beans", and "gold melon seeds". Industry insiders suggest that saving gold beans can be seen as an investment opportunity, but if consumers purchase for investment purposes, they need to pay attention to avoiding risks.

In July of the lunar calendar, Chinese Valentine's Day is approaching, and businesses are promoting various gifts. Gold jewelry brands have begun to launch small weight products such as "mini gold," "gold beans," and "gold melon seeds." A reporter from Workers' Daily visited and learned that young people are enthusiastic about a new financial management method - investing in small weight gold products.

Every month, I buy a few hundred yuan worth of gold beans and save them. As long as the price of gold rises, I will earn money. "" Saving money is better than saving money, buying gold beans is like managing finances. "On social media platforms, young people have started a gold saving trend, and searching for related posts will bring many sharing and insights. There are online posts specifically introducing which method is most suitable for buying gold, which mention that in addition to buying gold plates and investing in gold bars, it is strongly recommended to buy gold beans and gold melon seeds.

Gold jewelry is favored

On August 13th, during a visit to a gold jewelry store on the first floor of Beijing Tianya Jewelry City, the reporter noticed that despite the recent increase in gold prices, many customers in the store are still choosing gold jewelry, with the majority being young people. In addition to couples preparing for marriage who come to buy gold, some friends who come together prefer plain gold bracelets or small weight gold jewelry. According to Tianyancha data, there are more than 75000 gold and silver jewelry related enterprises in China, of which 38.5% were established within 5 years.

A salesperson at a gold store told reporters, "The price of gold has been rising recently. If you want to buy it, you can buy it early." In order to attract customer flow, the store has launched discounts, such as a 10 yuan per gram reduction and a 15 yuan per gram reduction. Ms. Zhang, a sales representative, told reporters that the price of gold this year has mostly fluctuated around 580 yuan/gram. Upon querying multiple gold jewelry stores, the reporter found that the average price of gold jewelry is between 595 yuan and 600 yuan/gram.

The pricing of gold jewelry is equal to the basic price of spot gold plus handicraft fees. Depending on the craftsmanship, the price of handicraft fees varies. "Ms. Zhang introduced that in recent years, more and more consumers have purchased plain gold products." Most consumers believe that products without handicraft fees are more worthwhile to purchase

Ms. Zhang said that "saving gold beans" is a new type of financial management method that young people are passionate about. Buying 1-3 grams per week or month can not only serve as a mandatory savings measure, avoid "moonlight", but also allow consumers to experience the pleasure and satisfaction of shopping. In addition, using the saved gold beans and gold melon seeds to make jewelry is cheaper than directly purchasing jewelry.

In response, some gold merchants have taken the opportunity to launch small gram heavy gold products, not only gold beans and gold melon seeds, but also various shapes of products such as small gold ingots, small corn, golden rice, and small lucky bags. Buying gold melon seeds on commemorative days can both serve as a souvenir and increase in value, "Ms. Zhang said. Currently, around 1-3 grams of" gold beans "are selling well, and small grams of heavy gold products have become a new financial favorite for young people.

Young people love small and heavy gold products

The reporter conducted real-time queries on a flagship store of a certain brand, and found that the product "9999 Golden Bean 1g with Certificate and Bottle Delivery" is priced at 465 yuan, while 3g is priced at 1386 yuan. The price range is acceptable for young people, making it a good entry-level gold product. No wonder it is loved by young consumers.

According to the 2021 China Gold and Jewelry Consumption Survey White Paper, the proportion of customers aged 25 to 35 in the gold store consumer group has exceeded 70%. Among them, social media and e-commerce platforms play a crucial role in marketing, and e-commerce platforms have become important channels for young people to buy gold. After the popularity of Xiaoke Heavy Gold products, many jewelry platforms have launched products such as "Golden Bean" and "Golden Melon Seed" in official flagship stores opened on platforms such as Taobao and JD.com, and collaborated with anchors to promote sales in live streaming rooms.

At the Taobao flagship store of Lingfeng Gold, the introduction of "9999 Gold Bean 1g Birthday Gift" states "recyclable" and "glass bottle as soon as you place an order". This product has a monthly sales of over 10000 yuan and over 60000 reviews, with many consumers returning. In the flagship store of Lingfeng Jin JD, the sales of similar products have reached over 100000.

Such a popular small gram heavy gold product has also attracted the attention of banks. In mid July, China Merchants Bank launched a 1-gram "Zan Jin Dou" and a 3g "Jin Gua Zi" product.

Several banks have also launched gold stamps and other products for Xiaoke Heavy Gold products. For example, Industrial and Commercial Bank of China is launching a "Ruyi Growth Gold" gold medal of 1 gram to 18 grams for customers to choose from; China Construction Bank has launched a 5-gram "Jade Rabbit Donation" gold medal and other products.

Attention should be paid to avoiding risks

However, it is worth noting that if consumers purchase for investment purposes, they need to pay attention to avoiding risks. A gold industry insider told reporters, "The price fluctuations in the gold market are significant, and accumulating gold beans requires long-term investment. During this process, if the market price rises significantly, it may lead to investors missing the opportunity to sell and unable to obtain the expected returns

In addition, there are also some operational risks associated with saving gold beans. For example, investors need to have certain professional knowledge and skills in selecting channels for purchasing gold beans, identifying the authenticity of gold beans, storing and safekeeping gold beans, and other aspects. This industry insider said that some young consumers are now regretting saving gold beans and even thinking that they have been "cut off", possibly because they did not pay attention to avoiding risks when making purchases.

The reporter found on Xiaohongshu that a blogger provided a detailed introduction on how to purchase gold bean products that can truly "appreciate". Firstly, the purchasing channel should avoid brand premiums. Similarly, for 9999 gold bean 1g, large brands will be 40 yuan/g more expensive than small brands specializing in gold bean products. Secondly, not all gold stores support repurchase, and some stores that recycle gold do not support the recycling of gold beans. However, stores that can recycle gold beans generally treat gold beans as gold jewelry, with the recycling price slightly lower than that of gold bars and ranging from tens to hundreds of yuan lower than the current day's gold price.

Industry insiders suggest that accumulating gold beans can be seen as an investment opportunity, but investors need to have a certain level of financial knowledge and risk awareness, and also need to carefully choose the appropriate time and method for investment. Consumers should not be deceived by some so-called "gimmicks", especially the purity of gold. This is related to the future realization of gold, and it is necessary to pay attention to repurchase channels and requirements, as well as factors such as gold price fluctuations, and not blindly follow the trend to purchase.

(Worker's Daily, Xu Xiao)