之前有跟大家分享投资黄金的方法有两个，即纸黄金(Paper Gold)和实金(Physical Gold)。我们无需用实际的“黄金”做买卖，只需在有关银行开个“黄金投资”的户口，拿一本像储蓄户口的存摺就可以了。
有人就问我说，到底哪一个银行的“黄金投资”户口是比较好的？今天，我就跟大家比较各银行的黄金户口 ( Compare Bank Gold Account)。我研究的黄金户口包括: Maybank, Public Bank, CIMB 及 UOB 四间银行的黄金户口。
- Maybank Gold Saving Passbook Account (GSPA)
- Public Bank Gold Investment Account (GIA)
- CIMB Bank Gold Deposit Account (GDA)
- UOB Gold Savings Account (GSA)
以下是有关的图表。
Account
|
CIMB Bank
|
Public Bank
|
UOB
|
|---|---|---|---|
| Min Initial Deposit | 1 grams | 5 grams | 20 grams |
| Min Subsequent Transaction | 1 gram & multiple of 1 gram | 1 grams & multiple of 1 gram | Multiple of 5 grams |
| Min Balance | 1 gram | 2 grams | 10 grams |
| Cash Withdrawal | Yes | Yes | Yes |
| Physical Gold withdrawal | Yes | Yes | Yes |
| Charge on Physical Withdrawal | based on the Bank’s prevailing gold BUYING price quoted in RM per gram | based on the Bank’s prevailing gold BUYING price quoted in RM per gram | Yes |
| Annual Fees | RM5 if year end balance <10 grams | RM10 if year end balance <10 grams | RM2 if month end balance <10 grams |
| Price Spread per gram* | ~ RM5.60 (4.3%) | ~RM5.18 (3.9%) | ~ RM3.30 (2.5%) |
| Selling Buying Prices | CIMB | Public Bank | UOB |
| Website | CIMB Bank | Public Bank Web | UOB Website |
2nd Update: 25th August 2011
3rd Update: 24th August 2012
4th update: 7 December 2013
3rd Update: 24th August 2012
4th update: 7 December 2013
你觉得哪一间的银行比较好呢? UOB 银行黄金户口的水钱是四间银行中最少的，只是大约 RM 2 或 1.3% 而已。
