马来西亚黄金投资：UOA Premier Gold Account (PGA) 和Gold Savings Account（GSA) 的分别

Premier Gold Account (PGA)是一种基于statement-based的黄金投资帐户。Premier Gold Account（PGA) 让投资者在没有实际实物黄金转移的情况下购买和出售黄金。因此，投资者节省存储和消除人身安全问题的麻烦下，并能够出售其所持的黄金以获得流动性。

Gold Savings Account（GSA)的户口与Premier Gold Account (PGA)类似。所不同的是，它是在小面额交易。它允许账户持有人购买和存放黄金。Gold Savings Account（GSA)首次购买的底线是20克，每次加额是multiple 5克黄金。

现在让我们来看看这两个户口的分别和共同点：

Premier Gold Account Gold Savings Account Minimum Initial Investment 1kg 20 gm Minimum Subsequent Investment / Withdrawal In multiple of 1 kg In multiple of 5 gm Minimum Balance in the Account 1 kg 10 gm Fees And Charges An administrative fee of RM2.00 will be charged per month if the balance of the account falls below 1kg at month end. An administrative fee of RM2.00 will be charged per month if the balance of the account falls below 10gm at month end. Conversion Fee Differential between physical gold price and PGA/GSA price + processing fee Account Opening Requirement Prior to opening a Gold Investment Account, the investor is required to maintain either a savings account or current account in RM to facilitate payment for purchases, collection of sales proceeds and debiting of fees and charges.

Premier Gold Account (PGA)的最低购买底线是1 KG，而Gold Savings Account（GSA)的最低购买底线是20gram。

对于资金较小的客户，选择Gold Savings Account（GSA)会比较适合。

两个户口都要求客户维持一个1KG（Premier Gold Account (PGA)）和10 gram（Gold Saving Account)以避免每个月被征收行政费。