【中文版】

黄金配置作为投资组合中的重要一环，对于投资者来说具有重要的作用。那么，在购买黄金时，应该考虑购买什么东西呢？

首先，实物黄金是一种常见的黄金投资方式。投资者可以通过购买金条或金币来投资黄金，这些实物黄金可以作为对抗通货膨胀的工具，并且可以作为避险资产。此外，实物黄金还可以满足人们对于贵金属的收藏爱好。但是，实物黄金需要妥善保管，并且需要支付一定的交易成本。

除了实物黄金，黄金ETF也是一种受欢迎的投资方式。黄金ETF是一种追踪黄金价格的指数基金，投资者可以通过购买黄金ETF来实现对黄金的投资。黄金ETF的交易成本较低，流动性好，但需要注意的是，黄金ETF的价格并不完全等同于实物黄金的价格。

此外，还有黄金期货等其他黄金投资方式。黄金期货是一种衍生品，投资者可以通过买卖黄金期货来实现对黄金的投资。黄金期货的风险相对较高，需要有一定的投资经验和风险承受能力。

总之，在购买黄金时，投资者需要根据自己的投资目标和风险承受能力来选择适合自己的投资方式。无论选择哪种方式，都需要保持冷静，不要盲目跟风或冲动投资。

【英文版】

Gold allocation is an important part of an investment portfolio, and it plays a crucial role for investors. So, when buying gold, what should investors consider purchasing?

First, physical gold is a common gold investment method. Investors can purchase gold bars or coins to invest in gold, which can serve as a tool to combat inflation and serve as a safe-haven asset. In addition, physical gold can satisfy people's collecting hobby for precious metals. However, physical gold needs to be properly stored and requires payment of certain transaction costs.

In addition to physical gold, gold ETFs are also a popular investment option. Gold ETFs are index funds that track the price of gold, and investors can purchase gold ETFs to invest in gold. Gold ETFs have lower transaction costs and good liquidity, but it should be noted that the price of gold ETFs is not entirely equivalent to the price of physical gold.

In addition, there are other gold investment methods such as gold futures. Gold futures are derivatives that allow investors to buy and sell gold based on future prices. Gold futures carry relatively high risks and require some investment experience and risk tolerance.

In summary, when buying gold, investors need to choose a suitable investment method based on their investment goals and risk tolerance. No matter which method is chosen, investors need to stay calm and not blindly follow the trend or invest impulsively.