1. Preservation and investment income: As a traditional precious metal, gold has long-term preservation ability. It is widely regarded as a safe investment option, which can help protect assets from inflation and market fluctuations. In contrast, health insurance fund is a relatively new concept, and its ability to maintain value and investment income are relatively low.

2. Liquidity and market recognition: Gold is a precious metal widely traded and accepted worldwide, with high liquidity and market recognition. It can be bought and sold in the financial market at any time, and it is very easy to convert it into cash or other assets. In contrast, the liquidity and market acceptance of healthy pension are low, and there are great trading restrictions and risks.