Cover News Reporter Yao Ruipeng

Gold, rising again! As of 910/0, the domestic gold price was 0.0 yuan/gram, an increase of nearly 0% in the past year. In terms of the physical price of gold, the gold price of gold jewellery brands such as Chow Tai Fook, Chow Sang Sang and Luk Fook Jewellery all exceeded $0 per gram. Among them, the gold price of Chow Sang Sang has come to 0 yuan/gram. Recently, the price of gold has soared, and many netizens have witnessed history.

Gold jewelry according to Xinhua News Agency photo by Hu Jianhuan

在黃金價格持續攀升的背景下，年輕人正以截然不同的方式擁抱這場“黃金熱”。有人大額囤金，憑藉金價上漲實現日入千元；有人則從生活費中“摳”出每一分錢，通過小額攢金積累財富。無論是“一擲千金”還是“一克不放過”，黃金正成為這一代年輕人對抗通脹、追求安全感的新選擇。而他們背後的故事，也折射出當代青年獨特的理財觀念與生活態度。

從一顆黃金鈴鐺到攢金77萬

“現在金價上漲每日收益超千元”

2025年2月23日，浙江杭州的27歲女生張若琳在社交平臺更新了一條動態：“攢金突破77萬！”這條帖子迅速引發熱議——就在一個月前，她的置頂帖還是“97年女生攢了66萬黃金”（2025年1月31日發佈）。短短23天，黃金儲備增值11萬元，日均收益超4700元。

張若琳的攢金之路始於2018年，“當時還是大學生，用壓歲錢購買了一個黃金鈴鐺吊墜。那時候感覺拿在手裡就比較踏實。”張若琳稱工作后，“黃金血脈”才真正逐漸覺醒。她開始每月固定攢金，從首飾到金條，再到數字黃金。2024年4月，25歲的她已攢下1000克黃金（首飾金370克、數位金631克）。同年，她抓住金價突破500元/克的視窗期大舉加倉，支付寶黃金持倉一度達30多萬元，月收益1.8萬元。

在張若琳的記錄APP中，黃金產品琳琅滿目：200克的老鋪金條、102克的金碗，還有“數字黃金”。截至2025年2月，她的黃金購入總價為60.88萬元，預估價值77.13萬元，浮盈超16萬元。“黃金雖然花出去了，但以另一種方式留在我身邊。”她認為，黃金的避險屬性和長期增值潛力，遠勝於銀行理財或股票基金。

張若琳的案例並非孤例。她的朋友圈中，一位96年女生月薪僅4000元，卻通過極致儲蓄攢下12萬元黃金；另一位朋友則在金價波動中“低買高賣”，兩年內收益翻倍。

Record the relevant impressions of the platform

"Buy golden beans with WeChat red envelopes and praise cashback"

Small grams of heavy gold will not let go of even a gram

Different from Zhang Ruolin's "heroism", Wang Anning, a 7-year-old girl from Yantai, Shandong, took the route of "ant moving". Her gold record app shows that the gold she has accumulated weighs only 0.0 grams, but each gram has a "tortuous path". "It is mainly purchased through WeChat red envelopes, praise cashback, platform activity rewards, and even part-time income. Wang Anning did not wait until he had accumulated a certain amount of money to buy, but bought gold "without letting go of a gram" when he had a certain amount of spare money, because the purchase amount was small and he did not care too much about the rise and fall of gold prices.

"At first, I thought it was useless, but after saving more, I realized that it was really fragrant." The total purchase price of Wang Anning's gold was only 1 yuan, but as the gold price soared to 0 yuan per gram, the estimated value had reached 0 yuan, and the yield exceeded 0%. Her small amount of gold is mainly "gram units": 0.0 grams of gold beans, 0.0 grams of gold bills, and even 0.0 grams of mini gold grains. "When I get to work, I will definitely increase my investment!" She was full of confidence.

And Huang Shenglan, who is in Shandong 10 years, is a representative of "saving gold and awakening too late". She didn't start buying gold on her own until 0 years, and she bought it at a high price of 0 yuan/gram at the beginning, but now she has accumulated 0.0 grams and a floating profit of 0.0 million yuan. Her strategy is to "small gram weight and high frequency": after the monthly salary is received, she first sets aside 0% to buy gold beans or gold bars. "Gold taught me to delay gratification." She said she would keep buying.

Small gram weight for gold

Expert: Be wary of fake gold, investors should reasonably control the risk

"Gold is good, but it's not a 'sure-the-beaten' deal." Zhou Mingyuan, a senior analyst at the China Gold Association, said that the current gold price has been at a historical high, and investors should be wary of the risk of price fluctuations and chase high to become a "pick-up man". At the same time, it is necessary to pay attention to fake gold and channel traps, and a recent sampling survey by the Beijing Gold and Jewelry Testing Center shows that about 15% of the "pure gold" products on the e-commerce platform have problems such as insufficient fineness, doping with tungsten and so on. Zhou Mingyuan emphasized: "Gold purchased through informal channels may face difficulties in testing and buyback. Investors should give preference to banks, exchanges or well-known brand gold stores, and ask for authentication certificates and invoices. ”

"Many young people only see the benefits of saving money, but ignore the cost of monetization." Calculate an account: if you buy investment gold bars at 15 yuan/gram, the bank usually needs to deduct 0%-0% of the handling fee when repoking, and only recognize its own brand; However, due to the high premium of jewelry gold, the repurchase price is often lower than the price of raw gold. "When money is urgently needed, gold may not be able to be liquidated quickly, and investors need to retain a certain amount of liquidity." Zhou Mingyuan suggested: gold allocation should not exceed 0% of assets.

"It's easy to hoard gold, but it's hard to realize", Zhang Ruolin also said frankly, the liquidity of physical gold is the biggest challenge: "When money is urgently needed, bank repurchase requires testing fees, and gold stores may lower prices." She advises investors to allocate some paper gold or gold ETFs to balance income and flexibility.

在黃金熱潮的當下，每日翻飛的金價下也折射出年輕人不斷變化的財富觀，不管從張若琳的77萬黃金儲備，還是王安寧的5.7克金豆，年輕人的攢金故事遠不止於財富增值。也許在充滿不確定性的時代，黃金成為他們對抗通脹焦慮、尋求安全感的“錨點”。正如張若琳所說：“攢金讓我相信，只要堅持，時間會給出答案。”