Assalamualaikum w.b.t.,

Hidup di dunia yang sementara ini banyak mengabui mata kita tentang matlamat kehidupan yang sebenarnya. Kita semakin terdesak dengan himpitan kehidupan dan berlumba-lumba untuk mencari kehidupan yang lazimnya lebih menampakkan keduniaa semata-mata.
Apakah ada di antara pelaburan yang semakin hari semakin kurang diberikan tumpuan? Namun, apakah kita menidakkan keperluan yang perlu kita sediakan di dunia bagi persediaan akhirat? Bagaimanakah pula pelaburan di dunia yang wajar dilakukan untuk persediaan akhirat kita? Wajar rasanya kita sama-sama bincangkan dan jadikan maklumat bersama ini sebagai panduan kita merentasi dunia untuk menempah tempat yang selesa di akhirat kelak, insyaallah.

Pandangan serta komen rakan-taulan, pak-pak ustaz, profesionalis, akauntan, hartawan, dermawan, pak/mak wan dan sebagainya boleh dikongsi untuk dijadikan panduan disamping memperkuatkan ukhwah sesama kita. Sila diemailkan pandangan anda ke mryteratak@gmail.com.


Wassalam.
5/11/2009
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Pemberitahuan: Semua maklumat di blog ini adalah pandangan peribadi melainkan dinyatakan sebaliknya. Sila rujuk kepada institusi atau badan yang berkaitan untuk maklumat lebih lanjut. Sebarang rujukan dari blog ini adalah risiko sendiri.Pengarang tidak bertanggungjawab di atas sebarang masalah yang timbul disebabkan oleh bahan diblog ini.

Sunday, September 2, 2012

Gold Investment Account... ? Do Syariah Compliant?

Assalamualaikum w.b.t.,

Below is the list of available Malaysia Gold Investment Account. Please check and consult trusted mufti/ulamak yourself for syariah compliance before do your investment. Many "ulau dalam semak" now, give "fatwa" for $$$. Rumour spreads again that gold and silver will ride big bull soon. How soon? I also don't know... Perhaps before 21Dec2012... Ha!x5... Mayan Conspiracy theory again.. The date is also my son's birth date... Ok-ok, I believe now... Anything can happen... It is happen once it's happen.. Our victory will happen once total change of federal ruler... Doubt to change? Then should make a change...

Article from: http://www.horlic.com/comparison-between-5-gold-investment-accounts-cimb-vs-kfh-vs-mbb-vs-pbb-vs-uob-%E2%80%93-choose-the-best/

How to choose the best gold investment account that suits you the most? Let’s do some comparison:
  • CIMB Bank Gold Deposit Account (GDA)
  • Kuwait Finance House KFH Gold Account – i (GAI)
  • Maybank Gold Savings Passbook Account (GSPA) - Now online trading available
  • Public Bank Gold Investment Account (GIA) - online trading available
  • United Overseas Bank Gold Savings Account (GSA)
CIMB Bank vs. Kuwait Finance House vs. Maybank vs. Public Bank vs. United Overseas Bank

Note: Information is obtained from the respective banks’ websites and customer service call centers.
Here are factors to consider when picking a gold account:
Affordability
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)
  • 999.9
  • 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.
Withdrawal Options
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?
Convenience
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.
Cost
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.
Don’t miss out on all these golden investments! Compare and choose the best gold account for yourself! Terms and conditions apply.
For more information, please visit CIMB, KFH, MBB, PBB, and UOB

1 comment:

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