1 and 1 5-year principal and interest: 65438+ ten thousand * 5% * five years +65438+ ten thousand = 125000 yuan.
Principal and interest for the second five-year period: 1.25 million yuan *5%*5 years+1.25 million yuan = 1.5625 million yuan.
2. According to the calculation, 65438+ 10,000 yuan is deposited in the bank. After 10 years, the fund will become 15625 yuan, and the actual rate of return is 56.25%, which is the bank deposit.
Before 10, that is, during 20 10, the price of gold was on the rise. At the low point in 250 yuan, the price of gold rose to 3 10 yuan per gram by the end of the year. The average price of 20 10 gold is about one gram of 280 yuan. If calculated according to this price, the current gold price is 380.9 yuan per gram, and gold has increased by 100 yuan per gram in10 years. 65438+ ten thousand yuan /380.9 yuan/gram =262.536 grams.
The importance of gold
(1) The increase in the actual demand for gold.
The development speed of the world economy determines the total demand for gold.
For example, in the field of microelectronics, gold is increasingly used as a protective layer; In the fields of medicine, building decoration and so on, although the progress of science and technology makes gold substitutes appear constantly, the demand for gold is still on the rise because of its special metal properties.
(2) the need to preserve value.
Gold reserves have always been regarded by the central bank as an important means to prevent domestic inflation and regulate the market.
When the economy is depressed, because gold is safer than monetary assets, the demand for gold rises and the price of gold rises.
For example, in the three dollar crises after World War II, investors snapped up gold in large quantities, which directly led to the bankruptcy of the Bretton Woods system. The depreciation of 1987 dollars, the increase of the deficit in the United States and the instability in the Middle East also contributed to the sharp rise in international gold prices.
(3) Speculative demand.
According to the international and domestic situation, speculators use the fluctuation of gold price and the trading system of gold futures market to "short" or "replenish" gold in large quantities, artificially creating the illusion of gold demand.
② What are the factors that affect the price of gold?
1, gold dollar
Because the international gold price is denominated in US dollars, the relationship between the trend of gold price and the trend of US dollar exchange rate has become very close. Historical data show that the two often interact in reverse. The dollar rose and gold fell; The dollar fell, while gold rose.
2. Central Bank
Central banks around the world are the biggest holders of gold. If central banks start selling gold, the price of gold will fall in the short term.
3. Financial crisis
When the financial crisis comes, people will feel that it is not safe to deposit money in the bank, so a lot of money will flock to other investment channels, such as buying gold. In 2007, the global financial crisis triggered by the subprime mortgage crisis in the United States led to a sharp rise in gold prices.