GAP Public Gold's Gold Accumulation Program (GAP)

Public Gold Syariah compliance certified by Amanie Advisors

All Gold Investment Account ( GI A ) with bank, if unable to withdraw physical gold. Cannot be certified as syariah compliance. The fact is we will not getting gold eventually. We just get paper that stating number of gold we hold in the form of statement only. This is a problem in syariah angle.

Gold Account that syariah compliance must allow withdrawal  physical gold.

Public Gold is one of the gold trading company that certified Syariah compliance by syariah Amanie Advisers. They are same panel for Bank Negara Malaysia and World Gold Council.

With such certification, all transaction selling gold are syariah compliance. Need not worry,

The become the best keep secret among muslim and why majority of Public Gold are muslim. Rarely non-muslim take advantage of Gold Accumulation Program ( GAP ) for the time being.

 Gold Accumulation Program (GAP)



Public Gold is the first Malaysian company to launch Gold Accumulation Program (GAP) which enables public to amass physical gold with low budget to start from between RM100 to RM200.00 per month.

You can save minimum 1 gram per month and can redeem physical gold at any time at any branch of Public Gold.

Price of GAP will updated daily at 12.00am.

Explanation about GAP

• GAP is abbreviation of Gold Accumulation Program. It concept is to allow us to save gold with little or low budget.
• For example : If Gold price today amounted to RM189.00/gram. And you bought one gram. Then your account have 1 gram this month.
• Next month, if you buy 2 gram. Then, you have 3 gram in total.
• The following month, if you skip one month. No problem. No commitment to buy every month.
• There is no limitation on how long and how much to save. It is up to you.

Why buy gold via GAP account?

• Not everybody afford to buy 10 gram per month or one dinar per month.
• But if only with budget of RM100 to RM200 per month. God willing, we have the ability
• Buy a little bit. When accumulated many gram.  - Can withdraw physical gold from account Hold and keep yourself.

The advantage of saving 1 gram ( minimum ) per month

• As a force saving - Effective saving must be force, Cannot wait until the end of the month. Force yourself to buy 1 gram of gold once get your salary. If wait until the end of the month to see any extra to save. Chances are there will be nothing left.
• As a forgotten saving - Saving gold unlike saving money. We will not just spend it as we see the figure like money in Bank. But we may feel or develop the passion of having gold and want to collecting more.  Without realization. We may have accumulated 12 grams within one year.
• To average the price - Just like investment in unit trust. Saver who spread out several month can leverage out the price. For example, if you bought at 3 price level, RM170.00 RM180 and RM190 per gram. Average cost only RM180 per gram only. Thus, need not worry about daily price level. Price increase, we are happy as we earn more. Price drop we also happy as we can buy at lower price. Price become irrelevant.

HOW TO REGISTER FOR FREE 
Register your interest here - Public Gold Free Registration

HOW TO DIY PURCHASE GOLD ACCUMULATION PROGRAMME (GAP) 
1. Open Public Gold website - www.publicgold.com.my
2. Check price per gram inside Gold Accumulation program (24k) box.
3. Bank in minimum RM100 to 

Public Gold Marketing Sdn Bhd

either

Bank : Malayan Banking Berhad (Maybank)
Acc No. : 5071-3410-4563
Swift No. : MBBEMYKL

Or

Bank : Public Bank Berhad
Acc No. : 3167-52-0833
Swift No. : PBBEMYKL


4. Send below details by email to ipb@publicgold.com.my OR by whatsapp to 016-2927568
i. Full Name
ii. Phone Number
iii. Mykad/Passport Number
iv. Email
v. Introducer: PG00201240
vi. Date & amount transferred
vii.Photo/screenshot of the transfer slip

5. Wait for maximum 2 working days to receive your login id/account username and password by email.

* This step only for first time account creation. For 2nd purchase onward, it is more simple.

How to know gold price everyday?

GAP price change once per day at 12.00am daily. You can check the price at www.publicgold.com.my

Example : How to redeem 10 gram of gold? if save 1 gram per month.

Month	Quantity ( gram )
January	1
February	1
March	1
April	1
May	1
Jun	1
July	1
August	1
September	1
October	1
November	1
Total	11 gram

When you save enough 11 gram, then only you can go to branch of Public Gold to redeem physical gold of 10 gram. Balance to one gram to keep the account active.

Tips GAP

1. Must have a goal how much to safe per year.

2 The more it weight, the lesser it premium charge ( see Premium Charge below )

3 Buy, safe and forget about it. ( saving, not investment ) 

Premium Charges

All purchases of gold at Public Gold branch including Penang HQ will be charge a "gold premium".

This is because Public Gold incurred cost to transport of gold from factory that certified by LBMA , ie: Nadir Metal Refinery from Turkey to Malaysia

Example :

1 gram of gold bar with RM10 per piece. 10 piece of one gram will be charge RM100.

one piece of 10 gram only charge premium of RM15.00. Save RM85.00