在马来西亚买黄金,Buying Gold in Malaysia

slutodomo

http://readforalife.com/2008/11/%e5%9c%a8%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%b9%b0%e9%bb%84%e9%87%91buying-gold-in-malaysia/


读了一本书，The Coming Economic Collapse，
对于黄金产生了及大的兴趣。到底为何黄金是历年来最保值的东西， 还有如何能够在马来西亚购买到黄金，本身也很想了解。在网上做了一些参考， 首先，黄金在美国是一安士的单位交易的。在我国Malaysia 是 以一Gram 作为交易单位。
1 ounce = 28.3495 grams
假设现在的黄金价格为1 ounce=US 800,那么合力价格应该 US800xexchange rate/28.3495=1gram 的马币金价。
在 Bank Negara Malaysia的网站也有提供关于我国自己打造的Kijang Emas 资料http://www.bnm.gov.my/index.php?ch=103&pg=441&ac=302
那么在我国那有的购买金作为存款呢？目前为止，本人能够找到的资料有两家，即Maybank还有Public Bank.用户可以选择以存款方法将黄金存在一个Saving Book,以后需要的时候在将里头的黄金兑换成现金或着是真的黄金。
关于Public Bank 的Gold Investment Account,可以参考http://www.pbebank.com/en/en_con ... vestments/gold.html

Gold Investment Account

Key Benefits

• To earn potentially higher return from appreciation in gold price.
• Convenience of investing in gold as trading is carried out through a passbook.
• Small difference between selling and buying prices.
• Affordable initial purchase and subsequent investment.
• Invest in gold without having to keep the gold physically.
• Gold is the best possible hedge against inflation.
• Alternative investment avenue to build up personal gold portfoliowhich is cheaper compared to invest in gold jewellery as the latterwill incur additional cost on workmanship.

What is a Gold Investment Account?

• Gold Investment Account is an account which allows individualcustomers to purchase the purest available gold commodity in 99.9%fineness at daily prices for 1 gram in Ringgit Malaysia (RM).
• A passbook will be provided to the account holders and every purchase/sale order will be recorded in the passbook.

Eligibility	• Individuals (resident or non-resident) aged 18 years and above. • Personal or joint
Minimum Initial Purchase	20gms
Minimum Balance in the Account	2gms
Minimum Subsequent  Purchase/ Sale	5 grams and must be in multiple of 1 gram
Gold Purchase	• Gold purchase will be based on the Bank’s prevailing gold SELLING price quoted in RM per gram. • The mode of payment accepted for purchase of gold are : - cash - debiting of account - house cheque • No physical gold deposit is allowed.
Gold Sale/ Withdrawal	• Gold sale will be based on the Bank’s prevailing gold BUYING price quoted in RM per gram. • Withdrawal options available are : - Cash - Crediting of account - Physical gold withdrawal*
Account Opening Requirement	Customer is required to maintaineither a savings account or current account prior to opening a GIA tofacilitate the debiting of service fee, if any.
Service Fee	An annual fee of RM10 will be leviedon the designated deposit account on the first day of the calendar yearif the account balance is below 10gms as at year end.

Public Bank 的黄金市价可参考http://www.pbebank.com/en/en_con ... tes/goldinvest.html
Gold Investment Account  (Last updated 27/11/08 3:49 PM)

	Selling Price	Buying Price
1 gram	RM 97.4900	RM 93.5500

MaybankGold Savings Passbook Account
同样买卖24K(999.9)黄金，可参考http://www.maybank2u.com.my/mbb_ ... -Investment&cntTypeId=0&cntKey=INV03.02&programId=INV03-Gold&chCatId=/mbb/Personal/INV-Investment
Minimum deposit:5gm
Trading unit:Minimum 5gms in multiples of 1gm
Fineness:999.9 gold
Benefits

• Convenience of deposit, withdrawal and closing of GSPA account at any Maybank branch in Malaysia
• Introduced by the country’s largest bank, 100% backed by physical gold and in collaboration with the World Gold Council
• Cheaper as gold prices quoted are pegged to international gold prices without additional charges
• Ability to build a personal gold portfolio by purchasing gold in small amounts (minimum 5gms) regularly over a period of time
• Opportunity for capital gain if the price of gold appreciates
• Possible hedge against inflation

Who can apply

• Individuals
• Joint account – maximum 4 persons

How it works
The Gold Savings Passbook Account (GSPA) is an account that lets youinvest in gold in a convenient, more secure and cheaper way. You canpurchase gold in 999.9 fineness at all Maybank branches at daily quotedgold prices for 1gm in Malaysian Ringgit. All transactions will berecorded in your GSPA passbook.
Whenever you need to, you may conveniently withdraw from the GSPA at the prevailing gold price in the following ways:

• Physical gold: Gold Wafers @ 10, 20, and 50 can be withdrawn atselected branches. A conversion charge to cover the shipping andinsurance will be charged for the physical gold withdrawal
• Gift Gold Certificate: The certificate can be made payable to athird party and is valid for 6 months. The certificate isnon-negotiable, non-transferable and non-assignable. Hence, only theregistered holders can redeem the certificates
• Cash: The amount of gold holdings can be converted to RinggitMalaysia at the prevailing market price. The amount in RM will becredited into your Maybank deposit account

Fees & charges
Withdrawal of physical gold is subject to conversion charge to covershipping and insurance. The fee varies and depends on the totalphysical gold to be withdrawn.
Maybank 的黄金价格可参考

nternational Gold Price : USD 815 per ounce Kijang Emas Daily Prices SIZE (oz) SELLING (RM) BUYING (RM) ONE 3112 3013 HALF 1585 1506 QUARTER 807 753 Own Kijang Emas Gold Coins Last update : 28-Nov-08 at 8:23:46 AM Gold Savings Passbook DATE SELLING (RM/g) BUYING (RM/g) 28 – Nov – 2008 99.67 92.24 Gold Savings Passbook

你好

现在适合投资黄金？

prince

听说水钱不少，对我来说，地皮涨幅比较快！

ladygaga520

我曾經在KL UOB bank購買黃金 ，參考http://www1.uob.com.my/webpages/b_treasury_gold.htm

你好

我曾經在KL UOB bank購買黃金 ，參考
ladygaga520 发表于 11-11-2010 08:31 PM

    有赚到？

你好

Public Gold 和 Public Bank 的 Gold Investment有没有联系的？

ladygaga520

其實我不屬於Gold invest !! 我是購買，大概在2008年 。我買的時候市價在$102 per gram , 以現在的市價是$166 per gram , 有賺

http://www.fgjam.org.my/

qw

金价还会一直起吗？
美元那么差了？

ladygaga520

相信金價還有成長的空間 , 其實金價被美元壓著是好事 ！ 如果有一天美元升上去的時候，你能想像那時候的金價是多少嗎？ 而且金在哪一個國家都被通用的，打個比方：印尼華僑很喜歡收藏金，因為一有什麼變動，他們手上拿著的就是錢，到哪個國家都會都被通用

東馬浪子

现今金价蛮高的。。。考虑着。。。。

悍马

本人浅见，我觉得不划算。美金下金价起对，但如马币没跟着下是没kangtao的。如去年１安士金是USD１０００ ＠ RM３５００ (1 USD = RM3.50)。 今年１安士金是USD１３８０ ＠ RM４２５０（１USD = RM3.08)

以上看来，金价起了３８％，但我们实际只是盈差２１％。肯定的是马币还会走强。如明年来到我们政府目标的１USD ＝ RM２。８０呢 ？

试试１安士金来到USD１５００，１USD ＝ RM２。８０。
那么 １安士金 ＝ USD１５００ ＠ RM４２００。看来虽然金价再起，但实际我们还亏呢。还没算５％水钱。

xuyue

回复 8# qw

美国联储局在未来的6-8个月会再印6000亿美元买国债，
所以美元会进一步的乏值..导致通膨..手握着美金到时是输家.

xuyue

回复 6# 你好

据我所知，是没关系的~

cs23wong

我认为地皮涨幅比较快咯。

teckchong188

有人要买maybank kijang emas （999.9gold） 吗？
1/4 quarter 的，相等于7.78gram，附有当初购买的Bank slip。。
Maybank现在卖RM1199，回购RMRM1104。。。
我想以RM1140出售，有兴趣吗？
面对面交货，货真价实。。。
只有一枚而已。。。

Jenton

我发现UOB的Gold Saving book 的水钱比较少。买和卖的价钱差距比较少，可是会有其他的费用（不还不清楚有什么费用）

我是买了GSPA过后才发现UOB比较的，可以考虑一下。Maybank和Public 的差价都比较高。

evantlc

老实说以现在黄金的行情趋势来看真的不是时候购来黄金来当投资！ 黄金的价格真的太高了！Maybank的gold saving account 真的不是很值得购买， 因为他们乘机赚取了比大众银行更高的佣金。虽然public bank 的金价会比较高， 可是赚回的也比maybank 多！        
       
Gold Investment Account

Gold Investment Account as at 11/11/10 3:45 PM


                  Selling Price        Buying Price
1gram         RM 143.4000        RM 137.8900

maybank
                    Selling Price        Buying Price
1gram         RM 142.8200        RM 137.0300

心耕

2008,黄金700多美元的时候，一位朋友一直喊着买黄金。

2010，黄金翻了一倍，那位朋友却一言不语。

2008，欧美金融海啸来之前，石油涨翻天。

2011，亚洲金融风暴来之前，黄金涨翻天？

有学者说，2011年第一季将会有金容风暴， 时间会证明一切。

随便说说_

本人浅见，我觉得不划算。美金下金价起对，但如马币没跟着下是没kangtao的。如去年１安士金是USD１０００ ＠ ...
悍马 发表于 11-11-2010 10:50 PM

认同
只能说现在暂时不能碰

想飞的折翼天使

八月的时候, 朋友介绍我买黄金, 跟银行的paper gold 不一样, 我们付钱, 拿的是真实的一块黄金自己收 (当然你要放银行保险箱也可以)...... 那时我妈说这样比较好, 万一暴乱可以拿了黄金就走
机缘巧合下, 有天得空就抽空上网站看了价钱, 跟妈妈商量了, 她说价钱好, 可以买 (妈妈家族开当铺的) 所以我就买了, 那时候, 20gram USD832. 隔天黄金价钱就一直起了..... 所以我的黄金价值很快就增值了.....

所卖的黄金都受新加玻 SAO 所验证及认可 (To shows that the wafers are genuine of the purity & weight)

http://www.sgnet5021.com/category/our-products/

请问各位大大, 这类黄金值得再买下去吗? 打算价钱不错的时候再买.....