Ladies, even buying gold jewelry is not purely an investment, would still like gold jewelry, right? Basic tastes of women, wanted something fashionable, something interesting and 'sparkle' to wear.
Often the situation is 'forced', too many temptations in the field, so I'll give you a few tips on buying jewelry. Be a smart consumer. Learn and apply, hopefully it helps. At least make us as consumers have sufficient knowledge to be not easily fooled when a transaction.
The main thing and the first thing to understand is the jewelry can not be called an investment because of its treatment of the sale and purchase no sestandar dinar and gold bullion. Because there are elements of taste and art in the making, jewelry rather on what fashion products, not investment. One was the standard treatment of the sale of jewelery is different from the store will lead to different prices. Never mind that the same gold weight but different models can lead to different prices
Difference in buying and selling gold jewelry could reach 10%, or sometimes in the form of nominal form of imposition 'fees make' Rp 60 thousand per gram. While the difference between the buying and selling dinar is only 2-4% and 6-10% gold bullion.
When gold in other forms has produced returns of 20-25% per year, reaching a new jewelry return half, even sometimes negative (loss). There is a component of 'cost of manufacture' or melting fees charged to the buyer when purchasing gold, but not taken into account when consumers sell back, making the difference in buying and selling gold jewelry so great. Gold jewelery bought more expensive for the same weight of gold bullion because the cost of manufacture, and bought cheaper because the cost was calculated to make. However, as long as it will be stored at least 2 years, gold jewelry is still more profitable than saving and investing more medium risk, especially savings and deposits.
On the other hand, if you're honest, how long does the owner of jewelry can refrain switch buy or trade-in every new model emerge? Maybe once a year. So, again, because obviously impaknya loss, then let's reposition its designation gold jewelery: it is a mere fashion. Forget the loss, return, and so forth.
OK, for those who are determined to round, and have understood the consequences, now we get into the steps and tips when buying gold jewelry:
1. Reference prices. First, prior to purchase, shall possess the gold price info. This also applies when selling. Do not go to the store without any information about the gold price. We need to nego bullet during a transaction. It should be noted, the market price of gold is not real time. It's a fact. Prices rose in the international market does not mean that local prices are also rising, what the price of gold jewelry. Sellers put the price at the point he can gain the gold price + cost of manufacture during production, and not just follow the price of gold. That is, it could be international prices go down, the price of high jewelery. Conversely, when the international price rises, jewelery still lower. Where see the reference price of gold today?
2. Corridors prices. Price can store more / less 5% of the international gold price. Why is 5%? Due to extreme whatsoever in the normal world economic situation, the daily gold price never fell / rose more than 4% per day. The average price rose 2% per month. Assuming gold jewelry purchased today is the production of 2 months ago, then maybe when the time is up, the price of 4-5% less stores. Similarly, when gold prices go down, it could be priced at a gold shop is still quite low. In fact, it was easier to raise gold shop (follow the price trend) compared to lower (when gold prices go down). Therefore, the reference + / - 5% can be a price corridor. Should not be surprised when the news of lower prices or higher than the international price of gold, having second with 5% is a reasonable limit.
3. Counts price. Now let's calculate the appropriate price based on weight and gold content. When met personalized jewelry, ask rust or abortion percentage and weight. Suppose the 22 Karat. Count: 22/24 x price that day. Suppose the price that day Rp 400,000 per gram for 24 carat gold, the price per gram of 22 Karat gold is $ 366,667, then multiply the weight + cost of 60 thousand per gram. Eg weight is 10 grams of gold jewelery, then the calculation is (366,667 x 10) + (60,000 x 10) = 3,666,670 + 600,000 = 4,266,670. Then-minuskan plus 5%, which is reasonable market price.
Our mastery of the information and how to count like this makes gold shops not kidding. At least we have a stock to do the negotiations. Bargaining power as consumers rose.
Anyway, about the price, there are three more things to note:
a. Each store has different pricing policies. Stores located in malls majestic tide reasonable prices higher than gold jewelery shop in the traditional markets, because operating costs are charged to the gold price is also different.
b. Gold shops 'branded' a famous jewelry brand marketing with works of art will also be high priced jewelry market more 'sleek', because it affected the quality of gold, quality workmanship and its big name brand.
c. The model also has an effect. The more the new higher price. Although we'll never know where the new and the old (except gold branded to put the certificate contains the year of manufacture)? Moreover, for models in class jewelry store traditional markets. Older models and models that more 'hits' is also very much shaped by perceptions.
Lastly, if purely for investment, gold bullion or select Dinar. For fashion, please select jewelry. There are a few tricks jeweler when selling and buying gold (jewelery or gold bullion), will be discussed in the next article so that we can avoid harmful practices.
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