Expert: Investors should participate in gold investment rationally based on their financial situation and risk preference.

As international gold prices continue to rise, many banks have successively adjusted their precious metal businesses to deal with market fluctuations and risk control needs. It was noted that China Construction Bank and China Merchants Bank made adjustments to their relevant businesses. Previously, some banks had raised the risk levels of gold 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 and Silver Refining Co., Ltd., pointed out that investors should rationally participate in gold investments based on their financial situation and risk preferences. Conservative or cautious investors should exit precious metal trading and choose low-risk products; moderate and above investors should not invest more than 10%-15% of their investable assets in precious metal investments. Liang Yonghui also emphasized that products should be selected based on the investment horizon, short-term funds should not participate in leveraged forward contracts, and long-term idle funds can be allocated to gold accumulation or physical gold in small amounts.