Berikut disenaraikan perbezaan diantara akaun pelaburan emas di Malaysia, kebanyakan pelaburan emas tidak mengenakan sebarang caj untuk membuka akaun, tetapi caj akan dikenakan apabila menukar wang tunai kepada emas fizikal. Pelabur boleh ke cawangan bank-bank berhampiran untuk membuka akaun. Harga emas terkini untuk setiap bank adalah seperti dibawah.
Public Bank VS CIMB VS Maybank VS Kuwait Finance House VS UOB
|Public Bank (Gold Investment Account) GIA||CIMB Bank (Gold Deposit Account) GDA||Maybank (Gold Savings Passbook Account) GSPA||Kuwait Finance House (Gold Account - i) GAI||UOB (Gold Savings Account) GSA|
|Minimum Initial Deposit||20 grams||10 grams||5 grams||10 grams||20 grams|
|Minimum Balance in the Account||2 grams||1 grams||1 gram||1 gram||10 grams|
|Charges for Gold Balances Below Quantity Required||RM10 will be charged in the event gold balance falls below 10 grams at year end||RM5 will be charged in the event gold balance falls below 10 grams at year end||Not Applicable||Not Applicable||RM2 will be charged in the event gold balance falls below 10 grams at month end|
|Minimum subsequent Purchase/Sale||5 grams and must be in multiple of 1 gram||5 grams and must be in multiple of 5 gram|
|Fineness of Gold||99.9% fineness||99.9% fineness||999.9 gold||99.5% fineness||999.9 gold|
|Minimum Quantity for Physical Gold Withdrawal||100gram, 500grams, and 1000 grams||100grams in multiples of 100 grams||Gold Wafers @ 10, 20, and 50 grams||1 gram, 5 grams, 10grams, and 50 grams||Request to covert into physical gold will be at the Bank discretion|
|Account Opening Requirement||Either a savings or current account is required||Either a savings or current account is required||Not Applicable||Either a savings or current account is required||Either a savings or current account is required|
|Mode of Operation||Passbook||Passbook||Passbook||Statement||Statement|
|Gold Sale / Purchase Price||Based on the Bank's Prevailing gold Selling / Buying price quoted in RM per gram||Same in this row|
|Gold Withdrawal||1)Cash 2)Credit into Savings or Current account 3) Physical gold withdrawal at selected branches||1)Credit into Savings or Current account 2) Physical gold withdrawal at selected branches||1)Cash 2)Credit into Savings or Current account 3) Physical gold withdrawal at selected branches||1)Credit into Savings or Current account 2) Physical gold withdrawal at selected branches||1)Credit into Savings or Current account 2) Physical gold withdrawal at selected branches|
|Interest||No interest payout||same in this row|
|Protection of PIDM||Investment is not insured by PIDM||same in this row|
|Note||Online gold trading via PBeBank.com - Gold purchases and sales are offered at discounted price||Physical gold withdrawal will be charge RM1 pergram of gold ordered||Malaysia's largest bank, 100% backed physical gold||First shariah based gold account in Malaysia||Premier Gold Account (PGA) is available at smaller difference between selling and buying prices for big investor|
Here are factors to consider when picking a gold account:
Most banks do not charge a fee for the opening of a gold account. However, whenever you sign up for an account, a minimum initial deposit is required ranging from 5 grams to 20 grams.
Other than that, minimum subsequent purchase/sale shall be taken into consideration too. Especially, for those who plan to buy gold on a regular basic.
FINENESS OF GOLD
According to Wikipedia, here is the most common millesimal fineness used for gold:
999.99 (The purest type of gold in the market)
999 (Fineness equivalent to 24 carat, also known as three nines fine)
995 (The minimum allowed in Good Delivery gold bars)
990 (also know as two nines fine)
958.3 (equivalent to 23 carat)
916 (equivalent to 22 carat)
PHYSICAL GOLD WITHDRAWAL
Please be noted, the minimum quantity for physical gold withdrawal required by some of the banks is 100 grams. In another words, you are not allowed to withdraw in physical gold if your invested amount is less than 100 grams.
Bare in mind, the physical gold withdrawal charges imposed is not really mentioned in most of the banks’ websites, except for CIMB Bank. It’s important to check with the respective bank first before any decision is made to sell your paper gold.
Basically, the option to withdraw in cash or crediting into savings or current account is making no difference for me, because I will still get the cash eventually.
But, for physical gold withdrawal, are the clauses like “you can withdraw in physical gold but it’s subject to our stock availability” and “physical gold withdrawal is subject to bank’s approval” is meaning the same for you?
Everything goes online now. We want a hassle-free investment. The idea of online gold trading via PbeBank.com to purchase and sell gold is a good practice and service, which shall be followed by others bank too, perhaps.
The only major cost to be considered is the difference between selling and buying prices. Low fees translate into cost savings. And this can lead to higher profits. Therefore, compare the price differences between all the 5 accounts and identify the cheapest gold price.
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