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vivienne

关于gold saving

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有谁投资了？
发表自己对这金投资的看法~



1）Maybank Gold Savings Passport Account (GSPA):

http://www.maybank2u.com.my/maybank_group/products_services/consumer_deposit/maybank_goldsaving.shtml

Thinking about investing? Invest in stock market? Purchase a house or property? Unit Trust Funds? Invest in Gold?

Yes, gold offers secure value and it is easy to invest with Maybank GSPA!

Historically, the value of national currencies rises and falls but the value of gold remains, remarkably stable. Gold is an asset that does not depend upon governments or corporations promise to repay. It is not directly affected by the policies in any country and it cannot be repudiated or frozen, as in the case of assets.

Gold also acts as a reliable "store of value" not just because it fulfils the functions of money, but gold is also portable and divisible. Its weight is a good measurement of a unit of value. It is indestructible, relatively scarce and cannot be "manufactured". It is easily recognizable and acceptable as a form of payment worldwide.

Liquidity
At this moment, gold is still the most liquid asset in the world. It can be readily bought or sold 24-hours a day in one or more markets around the world.

This cannot be said of most investments, such as stocks or bonds of the world's largest corporations. In addition, the trading spreads on gold are generally narrower than the spreads on stocks and bonds (which are considered as liquid assets).

It takes about the same amount of time to execute a trade in gold as is does for stocks and bonds. Whether your investment approach is conservative or aggressive, gold always play a vital role in diversifying your investment portfolio.

Diversification of Portfolio
Many experts urge investors to keep a 1/3 of their total assets in forms of gold. A typical portfolio is invested primarily in financial assets such as stocks and bonds. Gold's low-to-negative correlation with stocks and bonds makes it an excellent portfolio diversifier.

Adding gold to a portfolio introduces an entirely different class of asset. Gold is unusual because it is both a commodity and a monetary asset. It is an 'effective diversifier' because its performance tends to move independently of other investments and key economic indicators.

Recent independent studies have shown that traditional diversifiers (such as bonds and alternative assets) often fail during times of market stress or instability. Even a small allocation of gold has been proven to significantly improve the consistency of portfolio performance during both stable and unstable financial periods.



Maybank GSPA Features


Eligibility
• Individuals  
• Joint account - maximum of 4 persons.  
   
Features & Benefits
• 999.9 Gold  
   
Minimum purchase
• 5gm for opening GSPA.  
• Subsequent deposit/investment must not be less than 5gm. To maintain a minimum balance of at least 1gm at all times.
   
Trading unit
• Minimum 5gms in multiples of 1gm  



Withdrawals
The withdrawal of gold from GSPA will be converted into Ringgit Malaysia at prevailing gold price.

GSPA account holders are allowed to withdraw the gold in below format:


• Physical gold
Gold Wafers @ 10, 20, and 50 can be withdrawn at selected branches. A conversion charge to cover the shipping and insurance will be charged for the physical gold withdrawal.

• Cash
The amount of gold holdings can be converted to Ringgit Malaysia equivalent at the prevailing market (gold) price. The amount in RM will be credited into a Maybank deposit account of customer.




Record / Passbook
A GSPA passbook will be given to the account holders upon complete the procedure of opening the GSPA account.

The passbook is for deposit and withdrawal purposes. Deposit, withdrawal and closing of GSPA are available at any of the Maybank branches.


Fees and Charges
Withdrawal of physical gold is subject to conversion charge to cover the shipping and insurance. The fee is various and depending on total physical gold to be withdrawn.

FAQ:

1. What is GSPA?
GSPA is an account that allows individual customers to invest in gold in a convenient, more secure and cheaper way. Customers can purchase gold in 999.9 fineness at all Maybank Branches at daily quoted gold prices for 1g in Malaysian Ringgit and the transaction will be recorded in the GSPA passbook.
This will save customers' need to keep the gold physically and whenever they need to, they can conveniently withdraw from the GSPA.
   
   
  2. Why would you want to open a GSPA?
GSPA is one of the best ways for a customer to build up a personal gold portfolio by purchasing small amounts of gold on regular basis over a period of time. This "cost averaging" will ensure that the total gold investment will be acquired at the average gold price.   
   
  3. What are the benefits of having a GSPA?
There are a number of benefits to customers and these include :

Convenience of investing in gold at any Maybank branch in Malaysia.
It is secure, being introduced by the country's largest bank, 100% backed by physical gold and in collaboration with the World Gold Council.
It is cheaper as the gold prices quoted will be pegged to international gold prices without the usual additional charges.
Customers can invest in small amounts at a time i.e. minimum 5 grams.
There are two flexible withdrawal options i.e. in Ringgit and Gold Wafers.
There is opportunity for capital gain if the gold price appreciates.
Gold can be a hedge against inflation.
   
   
  4. How would you make a capital gain from investing in GSPA?
Internationally, the gold price is quoted in US Dollar per ounce. For Maybank, the gold price will be converted to the Malaysian Ringgit per gram. You will make a capital gain if the gold price appreciates.   
   
  5. Why interest is not paid for GSPA?
When a customer purchases gold through GSPA, this is recorded into a passbook. The Bank actually keeps the gold in safe custody for the customer and as such interest is not paid.
The Bank will charge the customer an administrative fee for this service at 1/4% p.a. on the highest gold balance per month. Maybank, however, does not levy this 1/4% administrative charge for the GSPA.
   
   
  6. When is the right time to purchase gold?
The right time would be when the gold price is low.   
   
  7. Why can customers only exchange for the gold wafers at selected branches?
These selected branches are the ones that have stock of the gold wafers and hence can meet your withdrawal needs.   
   
  8. Can a customer sell back the gold wafers to the bank?
Yes, provided the gold wafers have the Maybank logo with the protective seal/cover and it is accompanied by the Sales Memo. Customers also have the option to be paid in Ringgit at the prevailing gold buying price, or by credit into the GSPA (@ Mid-rate), or credit into a Savings/Current account (@Buying rate).   
   
  9. Why is there a conversion charge for withdrawal from the GSPA in Gold wafers?
The conversion charge is actually the cost for minting the gold wafers from Switzerland as well as that for transportation and insurance.   
   
  10. Will the gold price quoted daily be better than at goldsmith shops?
The price of gold quoted daily will be pegged to the international gold price and will definitely be better than goldsmith shops without the usual "workmanship" charges.   
   
  11. Will the Bank accept deposits in gold e.g. gold jewellery?
The Bank will only accept gold wafers purchased from the Bank but not other gold deposits e.g. gold jewellery.   

rates  更新

http://www.maybank2u.com.my/rates/gold_rates.shtml




2）

Public Bank Gold Investment Account




rates:

http://www.pbebank.com/en/en_content/personal/rates/goldinvest.html




[ 本帖最后由 vivienne 于 13-9-2008 10:54 PM 编辑 ]

vivienne

PB 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 portfolio which is cheaper compared to invest in gold jewellery as the latter will incur additional cost on workmanship.

What is a Gold Investment Account?

    * Gold Investment Account is an account which allows individual customers 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 maintain either a savings account or current account prior to opening a GIA to facilitate the debiting of service fee, if any.
Service Fee         An annual fee of RM10 will be levied on the designated deposit account on the first day of the calendar year if the account balance is below 10gms as at year end.

Don't miss out on this golden investment!

The returns of Gold Investment Account are subject to prevailing market conditions. Terms and conditions apply.

Note:

* Subject to reimbursement on the insurance, transportation and charges incurred for such delivery as well as goods and service tax (if applicable) depending on the quantity of physical gold withdrawn. This option only available to customers with effect from 1 May 2008.

可以参考：

国际黄金价格/ 走势

http://www.kitco.cn/cn/

http://www.goldseek.com/


过去历史：

http://goldprice.org/gold-price-history.html

http://www.kitco.com/charts/historicalgold.html



  买 public bank gold saving 价比较值得
http://www.pbebank.com/en/en_content/personal/rates/goldinvest.html







  

[ 本帖最后由 vivienne 于 15-9-2008 01:43 PM 编辑 ]

蜜瓜西瓜木瓜

原帖由 vivienne 于 30-3-2008 09:59 PM 发表
这里没人知道吗   

你要什么？？？

蜜瓜西瓜木瓜

http://www.maybank2u.com.my/mayb ... nk_goldsaving.shtml

http://www.maybank2u.com.my/rates/gold_rates.shtml

蜜瓜西瓜木瓜

原帖由 vivienne 于 1-4-2008 03:18 PM 发表


u got bought?

等时机。

myfm81

原帖由 蜜瓜西瓜木瓜 于 1-4-2008 09:43 PM 发表



等时机。

现在下跌了，算进场的时机吧？

蜜瓜西瓜木瓜

原帖由 myfm81 于 1-4-2008 11:51 PM 发表


现在下跌了，算进场的时机吧？

慢慢来，还可以等。。。。

mimilll

原帖由 蜜瓜西瓜木瓜 于 1-4-2008 09:43 PM 发表



等时机。

请问这个是投资吗？？？如何买的。。。。。你可以详细的告诉我吗？？

蜜瓜西瓜木瓜

原帖由 mimilll 于 2-4-2008 10:14 PM 发表
请问这个是投资吗？？？如何买的。。。。。你可以详细的告诉我吗？？

今天买，明天卖=投机。。。

今天买，至少几年才卖=投资。。。

如何买？上面有link，欢迎按按，不用钱的。。。

kiansoon9

之前看到星洲某篇关于资深黄金分析员的报道说，金价之前被炒高，而在未来数月有下跌趋势，不被看好（但长期看俏）。但是我觉得这亦是个良机，现在存钱过后就能乘低购买了，毕竟黄金如石油及其他天然资源，越来越少，越来越贵。

蜜瓜西瓜木瓜

再等久一点。。。

myfm81

黄金跟石油是挂钩的！
黄金跌，石油一样会跌

vivienne

原帖由 蜜瓜西瓜木瓜 于 2-4-2008 11:05 PM 发表
再等久一点。。。

哈哈哈哈~

你等到了也顺便pm下我

一起等

alexleong

请问你是以什么标准来知道最佳时机？

蜜瓜西瓜木瓜

原帖由 alexleong 于 3-4-2008 09:44 AM 发表
请问你是以什么标准来知道最佳时机？

呵呵呵呵。。。我只知道现在他很高了，所以就等他跌。。。。

myfm81

今天的黄金上涨一点

蜜瓜西瓜木瓜

原帖由 myfm81 于 4-4-2008 12:03 AM 发表
今天的黄金上涨一点

Gold Savings Passbook
[size=+0]

DATE [size=+0]	SELLING (RM/g) [size=+0]	BUYING (RM/g) [size=+0]
4 - Apr - 2008 [size=+0]	97.91 [size=+0]	90.73 [size=+0]

myfm81

原帖由 蜜瓜西瓜木瓜 于 4-4-2008 08:33 PM 发表



Gold Savings Passbook
DATE
SELLING (RM/g)
BUYING (RM/g)
4 - Apr - 2008
97.91
90.73

你的在那里看的？

小蚊子

原帖由 myfm81 于 5-4-2008 12:07 AM 发表


你的在那里看的？

他應該login他自己的acc看的

蜜瓜西瓜木瓜

原帖由 小蚊子 于 5-4-2008 01:44 AM 发表

他應該login他自己的acc看的

想太多了啦，我还没有开。。。。

http://www.maybank2u.com.my/rates/gold_rates.shtml