BNI 国际培训研究院 BNI Training Academy

BNI 国际培训研究院 BNI Training Academy

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from BNI 国际培训研究院 BNI Training Academy, Education, 158-3-7, Blok 158, Kompleks Maluri, Jalan Jejaka, Taman Maluri, Cheras,, Kuala Lumpur.

05/04/2022

AIG Overseas Travel Insurance Extend Covid 19 Cover
AIG Insurans Perjalanan Luar Negara Lanjutkan Perlindungan Covid 19
AIG 海外旅游保险添加延保 Covid 19
Arranged By
ACPG Management Sdn Bhd
ACPG WhatsApp Team +60126489838
http://wasap.my/+60126489838/AIGTravelinsurance

AIG Travel Insurance Policy
Now Includes COVID-19 Coverage
Travel Insurance
Feel safe knowing you're covered against COVID-19, trip cancellation and more.

AIG Travel Insurance Overview

No matter where your next holiday destination is, we’re here to keep you safe during your holiday.

We provide comprehensive travel insurance protection including COVID-19 coverage for you to fully enjoy your trip.

Our most popular features include

Overseas COVID-19 coverage such as Medical Expenses up to RM800,000, Quarantine Allowance and more.

Reimbursement up to RM10 million (including cashless hospital admission)

If your trip is cancelled due to covered events, we’ll reimburse up to RM30,000

Benefits
COVID-19 Coverage

In the event you are diagnosed with COVID-19, we will provide you COVID-19 coverage including Medical and Emergency Evacuation & Repatriation Expenses up to RM800,000, Travel Cancellation, Travel Curtailment and Quarantine Allowance benefits (applicable to Basic, Standard or Deluxe Plan only).

Medical Expenses (including cashless hospital admission)

If you are hospitalised due to accident or illness (excluding pre-existing conditions), we will cover the hospitalisation expenses incurred up to RM10 million. Our travel assistance team is on call by phone to provide you emergency travel assistance, ensuring you receive appropriate medical care.

Comprehensive coverage

We provide you with coverage for domestic and overseas medical expenses, trip cancellation, travel interruptions and delays, emergency medical expenses, medical evacuation costs and lost, damaged or delayed baggage.

Personal Accident cover

You can get lump sum payout up to RM500,000 if you suffer from an accidental death or permanent disablement during your trip.

Trip cancellation cover

Don't worry about the costs of transport & accommodation due to your trip cancellation. We’ll reimburse you the non-refundable expenses if your trip is cancelled due to specific events, within a specific time before your departure date.

Natural disasters

We will pay for travel inconveniences related expenses against natural disasters such as earthquakes, floods and volcano eruptions, occuring at the country of travel.

Our own global assistance service

We have a fast and efficient 24-hour Emergency Assistance Team available to assist you in the event of injury following an accident or if you are ill and require hospital attention abroad.

Travel Inconvenience

We provide you coverage for travel inconveniences such as travel delays, loss or damage to your personal belongings, fraudulent use of credit card, car rental excess charges and more.

* Coverage differs according to product & plan. Please refer to policy wording for full details of coverage and exclusions.

Quote & buy online, before your next trip!

For More information, pls contact

An Authorise Agency of AIG Insurance Malaysia
ACPG Management Sdn Bhd
WhatsApp Team +6012-6489838
HQ +603-92863323
www.acpgconsultant.com
www.insuranceomlinepurchase.com







11/03/2021

Buy Online
MSIG Car Insurance Policy
MSIG E Hailing Motor Insurance Policy

Click here "Buy Now"
https://takeiteasy.msig.com.my/acpg/products/all-products.html

Distributed By
ACPG

WhatsApp Team
http://wasap.my/+601112239838/MSIGmotorinsurance

ACP Group of Companies
www.acpgconsultant.com
03-92863323
011-12239838
012-6489838

Instant "BUY NOW" MSIG E Hailing Car Insurance
http://insuranceonlinepurchase.com/msig+e+hailing+car+insurance+online+instant+purchase+link-3143-185501/

MSIG Malaysia E Hailing Motor Insurance Policy is BACK !!!

Instant Get Quote and Renew Careline +6011-12239838 Whatsapp

Click here for your Quote
wasap.my/+601112239838/MSIGEhailingmotorinsurance

Attention Here
For Grab Drivers and All Others E Hailing Drivers........

Great News To You......MSIG Malaysia E-Hailing Motor Insurance Policy For Grab Drivers and All Others E Hailing Drivers renew their motor insurance policy with extend cover when provide e hailing service.

MSIG Malaysia First To Launch Approved E-Hailing Motor Insurance E-Hailing Drivers Can Now Protect Themselves and Their Passengers

ACPG Management Sdn Bhd
Malaysia Experience Risk Management Insurance Services Provider (Since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kualla Lumpur, Malaysia.
+603-92863323
[email protected]
www.acpgconsultant.com











25/03/2019

@ ACPG Celebration 30 Years Anniversary (1989-2019)

Why ACPG is Your Right Choice as Risk Management and Insurance Solution Advisory Service Provider.

We ACPG since Year 1989 in Insurance Industry and more than 30 years wide insurance knowledge experience.

Call Us ACPG Today For Insurance Advice 03-92863323
Our Whatsapp Team 011-12239838

ACPG WhatsApp Team
http://wasap.my/+601112239838/insuranceadvice

Walk in or Visit for Insurance Advice at
ACPG Head Office
ACPG Management Sdn Bhd
(Business since Year 1989)
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
03-92863323
012-6489838

5 Characteristics of Good Insurance Agents or Broker Agency

When you or your company are thinking of buying an insurance plan, do you struggle with finding the right policy? In that case, the first thing you should do is find a good insurance agent or Broker agency who is capable of guiding you in choosing the best plan that fits your needs, and budget.

Just like finding an accountant or a lawyer, selecting the right insurance agent to take care of you is an important decision.

You or your company need to look for someone that is trustworthy, reliable, knowledgeable, and comfortable for you to work with in building a long-term relationship. Here are the 5 key characteristics you should consider when choosing an insurance agent or broker agency.

1. Takes time to know you & your needs**

A good agent or broker agency always puts your needs first. They will:

a) Listen and empathise with you to understand what you really need before recommending any policy to you.

b) Conduct a thorough risk assessment on your life cycle stage before helping you to tailor a plan that suits you specifically while helping you to maximise protection with minimum cost.

c) Work with you or your company on a long term basis and understand that it all starts with knowing you and your needs.

2. Assist you or your company to make informed decisions

It is the agents’ or Broker agency duty to understand your or your company needs and present you with the most relevant information and suitable options so that you can make the best decision. Good insurance agents or Broker agency are able to explain complicated product information to you in the simplest manner. You can always ask the agents or Broker agency about the rationale behind the recommended plan and coverage. This is important in giving you a complete picture and assisting you to choose the plan that not only delivers the most value for your money but also covers your most relevant risks.

Honest & trustworthy**

Good agents or Broker agency tell the truth up front. They provide you with comprehensive information without holding back so that you or your company have a complete picture of the plan. They always put themselves in your shoes and act in your best interests. This is because they understand that a strong sense of integrity is necessary to win your respect, repeat business and word-of-mouth recommendations over time.

5. Extensive insurance knowledge**

A good agent or Broker agency knows much more than how to sell an insurance plan. They go through years of hard work to equip themselves with in-depth industry and sound product knowledge. They also possess financial management expertise to ensure that the plan they recommend fits into your overall financial situation. There are an increasing number of insurance agents or Broker agency that hold professional qualifications who will be also able to offer you a full-fledged risk management and insurance solution services.

There may be many considerations when choosing an insurance plan. That makes finding a good insurance agent or broker agency the crucial first step in getting the right insurance protection.

ACPG had more than 30 years insurance industry experience and provides our teams with special training so that they are equipped with the right skills, knowledge, values and attitude required in assisting you or your company to choose the right type of coverage.

ACP Group of companies (ACPG) is a locally owned company established in year 1989. The company is co-founded by Anthony Chin and his wife, Anna Sim, and has since grown into a multi-million dollar operation based on perseverance and hard work along with our trusted and loyal employees. Our vision is to be the preferred insurance service provider in Malaysia and to be one of the industry leaders in the region.

As we continue to develop in our knowledge and respect within the industry, we strive to help the community to better manage the risks of daily life by providing insurance products at fair prices, settling claims fairly and promptly, and delivering value-added service to our customers.

Need help in getting the best insurance protection? Contact ACPG Whatsapp Team today!

WhatsApp Team
http://wasap.my/+601112239838/insuranceadvice

Walk in or Visit for Insurance Advice at
ACPG Head Office
ACPG Management Sdn Bhd
(Business since Year 1989)
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
03-92863323
012-6489838






























@ ACPG Celebration 30 Years Anniversary (1989-2019)

Why ACPG is Your Right Choice as Risk Management and Insurance Solution Advisory Service Provider.

We ACPG since Year 1989 in Insurance Industry and more than 30 years wide insurance knowledge experience.

Call Us ACPG Today For Insurance Advice 03-92863323
Our Whatsapp Team 011-12239838

ACPG WhatsApp Team
http://wasap.my/+601112239838/insuranceadvice

Walk in or Visit for Insurance Advice at
ACPG Head Office
ACPG Management Sdn Bhd
(Business since Year 1989)
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
03-92863323
012-6489838

5 Characteristics of Good Insurance Agents or Broker Agency

When you or your company are thinking of buying an insurance plan, do you struggle with finding the right policy? In that case, the first thing you should do is find a good insurance agent or Broker agency who is capable of guiding you in choosing the best plan that fits your needs, and budget.

Just like finding an accountant or a lawyer, selecting the right insurance agent to take care of you is an important decision.

You or your company need to look for someone that is trustworthy, reliable, knowledgeable, and comfortable for you to work with in building a long-term relationship. Here are the 5 key characteristics you should consider when choosing an insurance agent or broker agency.

1. Takes time to know you & your needs**

A good agent or broker agency always puts your needs first. They will:

a) Listen and empathise with you to understand what you really need before recommending any policy to you.

b) Conduct a thorough risk assessment on your life cycle stage before helping you to tailor a plan that suits you specifically while helping you to maximise protection with minimum cost.

c) Work with you or your company on a long term basis and understand that it all starts with knowing you and your needs.

2. Assist you or your company to make informed decisions

It is the agents’ or Broker agency duty to understand your or your company needs and present you with the most relevant information and suitable options so that you can make the best decision. Good insurance agents or Broker agency are able to explain complicated product information to you in the simplest manner. You can always ask the agents or Broker agency about the rationale behind the recommended plan and coverage. This is important in giving you a complete picture and assisting you to choose the plan that not only delivers the most value for your money but also covers your most relevant risks.

Honest & trustworthy**

Good agents or Broker agency tell the truth up front. They provide you with comprehensive information without holding back so that you or your company have a complete picture of the plan. They always put themselves in your shoes and act in your best interests. This is because they understand that a strong sense of integrity is necessary to win your respect, repeat business and word-of-mouth recommendations over time.

5. Extensive insurance knowledge**

A good agent or Broker agency knows much more than how to sell an insurance plan. They go through years of hard work to equip themselves with in-depth industry and sound product knowledge. They also possess financial management expertise to ensure that the plan they recommend fits into your overall financial situation. There are an increasing number of insurance agents or Broker agency that hold professional qualifications who will be also able to offer you a full-fledged risk management and insurance solution services.

There may be many considerations when choosing an insurance plan. That makes finding a good insurance agent or broker agency the crucial first step in getting the right insurance protection.

ACPG had more than 30 years insurance industry experience and provides our teams with special training so that they are equipped with the right skills, knowledge, values and attitude required in assisting you or your company to choose the right type of coverage.

ACP Group of companies (ACPG) is a locally owned company established in year 1989. The company is co-founded by Anthony Chin and his wife, Anna Sim, and has since grown into a multi-million dollar operation based on perseverance and hard work along with our trusted and loyal employees. Our vision is to be the preferred insurance service provider in Malaysia and to be one of the industry leaders in the region.

As we continue to develop in our knowledge and respect within the industry, we strive to help the community to better manage the risks of daily life by providing insurance products at fair prices, settling claims fairly and promptly, and delivering value-added service to our customers.

Need help in getting the best insurance protection? Contact ACPG Whatsapp Team today!

WhatsApp Team
http://wasap.my/+601112239838/insuranceadvice

Walk in or Visit for Insurance Advice at
ACPG Head Office
ACPG Management Sdn Bhd
(Business since Year 1989)
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
03-92863323
012-6489838






























Photos from ACPG Management Sdn Bhd's post 13/12/2018

7 December 2018 Friday

Workshop Training Program at Tunku Abdul Rahman University College (TAR University College)
Batch 071218A

ACPG Management Sdn Bhd (ACPG)Corporate News.

ACPG CEO and Founder Mr Anthony Chin appointed by Tunku Abdul Rahman University College as Chief Facilitator to Conduct Customise Workshop on Topic
" Malaysia Insurance Industry Overview Shared By ACPG
" for TAR University College students and Trainees from One of The Largest Japan Life Insurance Group, Workshop conducted by ACPG Management Sdn Bhd at the Tunku Abdul Rahman University College Kuala Lumpur Main Campus.

Japan Life Insurance Group send their Senior Division Head and Trainee for their Global Leadership and Development Training Program at Tunku Abdul Rahman University College for 3 weeks oversea training program.

The customise workshop training programme leading by ACPG Founder Mr Anthony Chin.

Mr Anthony Chin personal profile as below

Mr Anthony Chin,CEO, ACPG Management Sdn Bhd.
29 years experience in Malaysia insurance industry n marketing and management training program.

More than 29 years of experience in Financial Management and Business Development.
Former Senior Management in charge Asia Pacific Market from Hong Kong Public Listed Companies and Malaysia Public Listed Companies.

Appointed as Marketing and Corporate Training Consultant by a multitude of financial groups.
More than 1000 experience-sharing talks attended by sell-out audience.
Founder of “Power of Truth” Success Training Programme.
Founder and Principal Consultant of Malaysia Medical Insurance Organization (MMI).
Founder and Principal Consultant of Malaysia JMB Insurance Organization (JMBIM).
Appointed as Professional Insurance Instructor and Facilitator by Tunku Abdul Rahman University College (TARUC)

Workshop Held at
Tunku Abdul Rahman University College DKE Concourse, Block W,Kuala Lumpur Main Campus Jalan Genting Kelang,Kuala Lumpur, Malaysia

Corporate News.

Shared by
ACPG Management Sdn Bhd
Malaysia Experience Risk Managment Insurance Services Provider
158-3-7, Blok 158, Kompleks Maluri,Jalan Jejaka, Taman Maluri,55100 Kuala Lumpur, Malaysia.+603-92863323
[email protected].
www.acpgconsultant.com







Mobile uploads 28/02/2014

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精彩飞石族哲学语录,
分享成功人士真理经典案例,
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飞石族哲学分享篇,帮助青年及普通人士创业走向成功的平台。
飞石族哲学分享篇,与您分享健康、财富、新思维、新观念、大趋势、正能量!

关注飞石族哲学,
人生从此改变!
传递真理哲学正能量!
欢迎分享!

看到不等於知道!
知道不等於明白!
明白不等於了解!
了解不等於体会!

先明白真理,
多了解真理,
再更多的体会真理!

真理哲学加油站
BNI 国际培训研究院
BNI Training Academy
www.bniacademy.my
BNI careline +603-92863323

真理就是力量,
力量来自真理!

Power of Truth,
Truth is Power!

速度就是优势!
石头飞起来!

Photos 28/01/2014

Dear All BNI advisors and value customers.

Wishing You and Yours Family enjoy Happy CNY holidays and "Gong Xi Fatt Choy" 恭喜发財, means "more money come and enter to your pocket"!

BNI office
Chinese New Year Holiday Notice

From 30/01/14 (Tue) until 5/02/14 (Wed), Resume normal work on 6/02/14 (Thu).

Any urgent or emergency information, please visit our BNI homepage www.bniacademy.my

Regards,

The Management Teams
BNI Training Academy Sdn Bhd
BNI 国际培训研究院
www.bniacademy.my
+603-92863323

Photos 25/01/2014

BNI OTP 线上教学辅导系统
Online Training Program
黄金电子交易投资行情分析
基本面
技术面
线上资料转介

25/01/2014 星期六

黄金上涨,部分投资者撤离股市,转入债市和黄金!

24/01/2014
全球市场收盘情况:

标普500指数跌2.09%;纳斯达克综合指数跌2.15% ;道琼斯工业平均指数跌1.96%。

泛欧斯托克600指数跌 2.39%,收报 324.75点 ;德国DAX指数收盘跌2.48%;英国富时100指数收盘跌1.62%;法国CAC40指数收盘跌2.79%。

日本股市下跌1.94%,沪指涨0.60%,恒指跌1.25%。

美元指数上涨0.05%,美元兑欧元上涨,美元兑日元大跌1%。

2月份交割的纽约黄金期货价格收盘上涨0.2%,收于1264.5美元/盎司。

3月份交割的WTI轻质原油期货价格报收于每桶96.64美元,跌幅为0.7%;3月份交割的布伦特原油价格报收于每桶 107.88美元,涨幅为0.3%。

美国10年期国债收益率下行3.8个基点,收报2.7350%。

线上培训辅导系统提供

全球獨家首创及最受欢迎

MCMS 黄金电子交易投资
专业培训系统课程与专业辅导服务

培训与辅导提供

BNI 国际培训研究院
BNI Training Academy
www.bniacademy.my
BNI careline +603-92863323

Photos 24/01/2014

BNI OTP 线上教学辅导系统
Online Training Program
黄金电子交易投资行情分析
基本面
技术面
线上资料转介

24/01/2014 星期五


中国2013黄金需求1189.8吨 超印度坐实全球第一


由于大量的金饰、熊猫金币和金条的销售,中国取代印度成为了全球第一大黄金消费国。

据汤普森路透(GFMS)调查显示,2013年中国黄金需求达到1189.8吨,较前一年增长 32%,较2003年更是翻了五倍。

2013年金价大跌28%后,中国出现了近乎疯狂的黄金需求,抢购黄金的“中国大妈”名震全球。

而与此对比的是,由于通胀迟迟没有起色,在2013年欧洲和北美的投资者们对黄金丧失兴趣,黄金ETF被西方投资者们大量抛售,减少持有量约880吨。

亚洲买家受到低金价激发对实物黄金的需求使得欧洲和其它国家金库中的黄金被带到瑞士,在那里被融成小金条再被运输到亚洲贩售。

GFMS将此称为历史上最大价值的黄金流动。

印度去年黄金消费上涨5%至 987.2吨,但这个需求量受到了其对黄金进口限制的影响。

而对应的,则是中国在毫无顾忌的吸收黄金。

中国去年的金饰制造上涨了约三分之一到724吨,首次超过印度。

很多中国仍购买金饰更看重的是长远投资而非装饰,因此高纯度的24开金占黄金产品的绝大部分。

实物金条的购买上涨47%至 366吨,创下新纪录。

而金币方面,2013年只有土耳其的发行量超过了中国。

“黄金在传统上一直在中国很受欢迎,现在更是被看成了个人资产,”GFMS的贵金属需求经理Andrew Leyland说,“更多财富以及更多可支配收入带来了潜在的需求,因此在价格大跌的情况下就带来了这样现象级的购买。

”如果没有中国的需求,金价或许会下跌更多。

亚洲以外市场对黄金的投资胃口仍然比较弱,只有很少的分析师预计今年金价会回升。此外,近年来中国已成为全球最大的黄金生产国,据估计,去年中国黄金产量为437.3吨。

其中一部分被认为被中国央行买下。

线上培训辅导系统提供

全球獨家首创及最受欢迎

MCMS 黄金电子交易投资
专业培训系统课程与专业辅导服务

培训与辅导提供

BNI 国际培训研究院
BNI Training Academy
www.bniacademy.my
BNI careline +603-92863323

Photos 20/01/2014

BNI OTP 线上教学辅导系统
Online Training Program
黄金电子交易投资行情分析
基本面
技术面
线上转介

20/01/2014 星期一

黄金连续四周反弹 金价重回反彈行情!

隔夜金价大举反弹,金价终于得以摆脱持续近3天的横盘走势,延续了自1184美元/盎司以来的反弹行情。

最近几周黄金的走势都呈现较为类似的情形,一周的大部分时间呈小幅回路态势,到了周四、周五就会在美国方面的疲软数据提振下以阳线收盘。

上上周的疲软非农,上周的消费者信心指数都属于这种情况。

而本周这种情况或将改变,因各项重要数据、风险事件将集中点周中(周三、周四)公布。

上周五美盘时段公布的数据显示,美国12月工业产出月率上升0.3%,升幅一如市场预期,2013年全年工业生产以强劲表现收官;12月产能利用率上升0.1个百分点至79.2%, 创五年半(2008年6月以来)最高。

从2013年全年来看,工业数据保持强劲增长,复苏情况明显好于其他数据;同日公布的地产数据却不尽人意,数据显示美国12月新屋开工年化月率下降9.8%, 创2013年4月以来最大跌幅,新屋开工总数年化99.9万户,高于预期;12月营建许可月率下降3.0%,营建许可总数98.6万户,低于预期。

周五公布的最后一项数据是美国1月密歇根大学消费者信心指数,该数据很大程度上反应出美国普通民众对于未来的消费预期,对于美国这样以消费拉动经济增长为主的国家,该数据的好坏对美国经济的走势十分重要。

上周五公布数据显示,该值大幅回落至80.4,脱离五个月高位,而此前市场的预期是该值会进一步上升至83.5,疲软的数据对金价形成明显提振,金价迎来第二波上扬(第一波拉升源于疲软地产数据),并刷新日内高点至1255美元/盎司。

截止到上周,金价实现连续四周的反弹,本周一开盘,更是出现跳空高开的局面,据外媒相关调查显示,对于本周的金价走势,超过6成的人认为黄金在本周将继续上涨。

随着美联储正逐步实施退出QE的计划,大多数分析师都认为QE退场不利于黄金,金价在过去的一年中下跌了28%,而随着美联储目标的进一步明确,市场的不确定因素不断减少,黄金所面临的抛盘压力也在逐步减弱,这从近期ETF持仓量逐步趋于稳定可以看出,部分技术性买盘已经开始尝试低位买进的策略,黄金最为艰难的时刻或已经结束。

从图表上看,昨日金价止跌转升,重回阻力区间。

周一开盘小幅跳空高开, 成功上破1255美元/盎司一线阻力。

4H图上金价日内反弹目标指向 1260美元/盎司一线(反弹通道上沿),一旦重回上行通道,金价上扬将进一步稳固,而此前构建的三重顶形态也将面临构筑失败的风险。

同时,截止 1 月 14 日 CFTC 交易商持仓报告显示黄金净多仓增加 5,644 张至 104,303,同时净空仓增加 1612 张至 76033。

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19/01/2014

外媒调查:多数交易商和分析师看涨下周金价

据外媒周五(1月17日)公布的最新调查显示,多数分析师看涨下周金价,因其预计亚洲实物金需求将走强,对金价构成显著支撑。

在接受调查的31位黄金交易商及分析师中,13人(42%)看涨,11人(35%)看跌,7人(23%)看平。

而在此前一周的调查中,看涨本周金价的分析师也占多数。

1月17日当周现货黄金累计上涨4.47美元,涨幅0.36%,报1252.80美元/盎司。

最高触及1255美元/盎司,最低下探1234.20美元/盎司。

美国铸币厂(U.S. Mint)数据显示,2014年 1月该厂共出售69000盎司美国鹰牌金币,较去年12月 56000盎司上涨。

眼下中国1月 31日即将迎来传统新年,料将刺激该国的实物金消费热情。

贵金属经纪商GoldCore Ltd日内在邮件中写道, “实物黄金买家将2013年金价的大跌视作绝佳的购买机会,而这样的趋势将持续下去,直到金价涨至1300美元上方。”

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17/01/2014 星期五

黃金震蕩蓄勢反彈

市場回顧

黃金現貨價格周四基本持平,收於1242.15美元/盎司。

高盛、花旗、百思買等財報不佳拖累美國股指,僅納指收漲0.1%。

10年期美債收益率下行,收2.84%。

WTI油價跌0.2%。

黃金現貨日K線圖

要聞解讀

1,美國勞工部今日發布報告,美國12月CPI同比增長了1.5%,其中核心CPI增長了1.7%,均與預期相符。隨著汽油價格的回升,美國12月CPI錄得6個月來的最大增幅,但隨著潛在通脹水平的趨緩,現在很難說CPI還會錄得更大的升幅。

歐洲統計局發布報告稱,歐元區去年12月CPI同比增長0.8%,與預期和早先發布的初值保持一致,但相較於11月的0.9%有所下滑,進一步遠離歐洲央行的目標,而一年前這個數字為2.2%。此外當月CPI環比增長0.3%,核心CPI終值同比增長0.7%。

解讀:美國12月CPI進一步貼近美聯儲的目標,對加快QE縮減步伐起到支持作用。而歐元區CPI進一步遠離央行目標,市場預期歐元區繼續寬松,美元或繼續走強。

2,美國1月11日當周季調後首次申請失業救濟人數32.6萬人,降至六周最低,好於市場預期的32.8萬人,前值33.0萬人。續申請失業救濟人數達303萬人,創六個月新高。續申請失業救濟人數激增,增幅為五年多最大。

解讀:美國首申失業救濟人數好於預期,但續申人數激增,引發市場一定擔憂,利好貴金屬。

3,美聯儲鴿派官員 Williams 稱,短期利率為0,且經濟仍需聯儲支持的情況下,QE是否應成為常規工具仍待研究;應將政策目標由特定通脹率轉變成名義GDP等;應針對聯儲和其它央行是否該提高2%的通脹目標做進一步研究。

明尼阿波利斯聯儲主席Kocherlakota說美國通脹率在2016年前可能都無法達到聯儲2%目標,面對通縮風險應該做更多事情刺激美國經濟復蘇。作為一名極端鴿派他說收縮QE與他的短期觀點不相符,他將從1月開始行使FOMC投票權。

解讀:發言較為偏鴿派,對貴金屬有一定支撐。

4,雖然美國國會本月16日終於批準了逾1萬億美元的支出分配議案,但債務上限問題懸而未決。在支出分配案獲得通過當天,美國財政部長盧(Jack Lew)警告,政府舉債極限會提前到來。

他敦促國會盡快同意調高債務上限,避免美國違約風險,同時認為日本不能依賴匯率獲取經濟發展優勢。

解讀:據去年10月兩黨協議,美國債務上限暫停期截止於今年2月7日,此後如國會仍未授權提高上限或延長暫停期,財政部將被迫動用非常規手段繼續如期足額還債。

5,伯南克新聞發布會評美聯儲 “過去、現在和將來 ”摘要:

1、危機後的問題資產救助計劃曾被一致反對,最終實施證明有效。

2、購債寬松政策在學術上被認為無效,現實中發揮作用。

3、QE成本不體現在通脹風險,而是金融體系穩定性風險。

4、金融危機對經濟損害不是永久性的。

5、低利率政策持續性難以定論。

持倉及數據動向:

1,全球最大的黃金ETF-SPDR Gold Trust 黃金持倉量自2012年底觸及高點後,2013年連續多月大幅下滑,1月16日持倉為789.56噸,較上一個交易日持平。2013年年初以來已下滑約561.26噸。

2,截至12月31日的數據, CFTC黃金非商業投機凈多頭持倉為 38887手,較上一期增加6664手,表示看多情緒有所增強。

3,代表投資者恐慌情緒的VIX指數上周五收於 12.14, 較此前一周的收盤價12.46有所回落,表明投資者避險情緒緩和,樂觀情緒增加。

伯南克離任演講市場反應平淡,金銀窄幅震蕩。

美國CPI進一步靠攏聯儲目標,維持縮減購債步伐。

美國12月CPI錄得1.5%的增幅,符合預期,也進一步朝2%的目標靠攏。

值得註意的是,1月NYMEX 原油價格出現了暴跌,這對於1月的CPI帶來一定的影響。

同時我們看到,歐元區CPI 數據正有通縮的擔憂,以及美國將再次面臨債務上限的問題,這將帶來聯儲未來縮減QE的不確定性。

預計黃金維持低位震蕩的態勢,美元指數上方81點位的阻力短期難以突破, 對貴金屬價格形成支撐。

黃金有構築小頭肩底的反彈格局可能。

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