This is a very interesting question discussed online~

Can we just calculate which one to choose?

Let's calculate:

The price of gold: We calculate it based on the bank's price, with an average of 270 yuan/gram. One kilogram of gold costs 270000 yuan.

The weight of a piece of 100 yuan RMB is approximately 1.15 grams. Assuming that each piece of RMB with any denomination is calculated based on 1.15 grams, and the denomination of ten kilograms RMB is the same, there are approximately 8696 pieces of RMB with ten kilograms RMB.

The face value of one yuan is 8696 yuan,

The five yuan denomination is 43480 yuan,

A face value of ten yuan is 86960 yuan,

A face value of twenty yuan is 173920 yuan,

A face value of fifty yuan is 434800 yuan,

A face value of one hundred yuan is 869600 yuan.

In fact, the quality of other denominations of RMB is smaller than that of a hundred yuan denomination, so the value is slightly higher than what I calculated.

But based on a proportional estimation, the quality difference between a 20 yuan face value RMB and a 100 yuan face value RMB will definitely not be too significant. Therefore, in fact, a 10 kilogram 20 yuan face value RMB is definitely much less than 270000 yuan.

According to this calculation, if the face value of the RMB is ≥ 50 yuan, choose ten kilograms of RMB. On the contrary, choosing one kilogram of gold is more cost-effective.

But what about starting from an investment and financial perspective?

People always say that gold can appreciate and choose gold.

In fact, there is a possibility of gold appreciation, but it is not certain. On the one hand, people always hold optimistic ideas, and on the other hand, the gold in banks is now more collectible. There are also many accessories made for people to wear in their daily lives. Gold seems to have integrated into people's daily lives, after all, people's economic conditions have increased, and no one has ordered gold or silver in their homes yet.

But like the behavior of old aunts rushing to buy gold in the past two years, it is recommended not to follow suit. Buying gold also requires rationality!

If you choose the Chinese yuan, in this era of continuous depreciation of the Chinese yuan, it has to be said that saving money is not a good choice. 30 years ago, 1 yuan could buy two large meat buns, but now 2.5 yuan per bun, it is not just a double depreciation! How much is a bun in another 30 years?

But the renminbi has an advantage that it can be used for investment. Unlike gold, it can only be held for appreciation. RMB can invest in various financial products such as stocks and funds to increase its value.

Not only RMB, all currencies can be used for reasonable financial management, choosing a good investment platform is the key!