【中文版】

在投资组合中，黄金是一种重要的资产配置工具。那么，在购买黄金时，应该选择什么样的配置呢？

首先，我们需要考虑自己的风险承受能力和投资目标。黄金投资通常被认为是一种相对较稳定且低风险的投资方式，但仍然存在一定的风险。因此，在购买黄金之前，我们需要评估自己的风险承受能力，并选择适合自己的投资方式。

对于个人投资者来说，实物黄金和黄金ETF是两种较为常见的黄金投资方式。其中，实物黄金通常是通过购买金条或金币来实现投资，而黄金ETF则是通过购买追踪黄金价格的指数基金来实现投资。

在配置黄金时，我们需要注意分散投资的重要性。实物黄金和黄金ETF各有优缺点，因此需要结合自己的投资目标和风险承受能力进行合理配置。同时，我们还需要定期重新评估自己的投资组合，以确保其与自己的投资目标和风险承受能力保持一致。

总之，黄金是一种重要的资产配置工具，但投资者在购买黄金时需要谨慎评估自己的风险承受能力和投资目标，并选择适合自己的投资方式进行配置。

【英文版】

Gold is an important asset allocation tool in an investment portfolio. So, what should we choose to configure when buying gold?

First, we need to consider our risk tolerance and investment goals. Gold investment is usually considered a relatively stable and low-risk investment method, but there is still some risk. Therefore, before buying gold, we need to assess our own risk tolerance and choose an appropriate investment method for ourselves.

For individual investors, physical gold and gold ETFs are two relatively common ways to invest in gold. Among them, physical gold is usually achieved by purchasing gold bars or coins, while gold ETFs are achieved by purchasing index funds that track the price of gold.

When configuring gold, we need to pay attention to the importance of diversification. Physical gold and gold ETFs have their own advantages and disadvantages, so they need to be reasonably configured in combination with our own investment goals and risk tolerance. At the same time, we also need to regularly reassess our investment portfolio to ensure that it is consistent with our own investment goals and risk tolerance.

In summary, gold is an important asset allocation tool, but investors need to carefully evaluate their own risk tolerance and investment goals before buying gold and choose an appropriate investment method for themselves.