---
title: "Experts: Investors should rationally participate in gold investment based on their financial situation and risk preferences"
description: "With the rise in international gold prices, several banks have adjusted their precious metals business to respond to market fluctuations. Experts advise investors to participate in gold investment rat"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/257185222.md"
published_at: "2025-09-13T06:56:10.000Z"
---

# Experts: Investors should rationally participate in gold investment based on their financial situation and risk preferences

> With the rise in international gold prices, several banks have adjusted their precious metals business to respond to market fluctuations. Experts advise investors to participate in gold investment rationally based on their financial situation and risk preferences. Conservative investors should choose low-risk products, while the amount of gold investment for moderate investors should not exceed 10%-15% of the family's investable assets. At the same time, investors should select suitable products based on the duration of fund usage, and short-term funds should not participate in leveraged contracts

As international gold prices continue to rise, multiple banks have successively adjusted their precious metals businesses to respond to market fluctuations and risk control needs. Reporters noted that China Construction Bank and China Merchants Bank have made adjustments to related businesses. Previously, some banks raised the risk levels of gold-related investment products and optimized risk assessments. Liang Yonghui, deputy secretary-general of the Gold and Silver Branch of the China Nonferrous Metals Industry Association and deputy general manager of Shandong Zhaojin Gold & Silver Refinery Co., Ltd., pointed out that investors should rationally participate in gold investment based on their financial situation and risk preferences. Conservative or cautious investors should withdraw from precious metals trading and choose low-risk products; for stable and above investors, the amount invested in precious metals should not exceed 10%-15% of the family's investable assets. Liang Yonghui also emphasized that products should be selected based on the funding usage period, with short-term funds not suitable for participating in leveraged deferred contracts, while long-term idle funds can be allocated to a small amount of gold accumulation and physical gold

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.