CARA MEMBUKA AKAUN GAP

GOLD TO PROTECT WEALTH?

 

If we talk about wealth the first thing that comes in our mind is MONEY. Of course you are right but do you know that money value depreciate over time? Meaning, 1 ringgit today is not 1 ringgit in the near future. Why? Well, as a layperson in investment/economy, what i understand is value of money changes with goods & services supply & demand status. The changes in general price of these goods & services contribute to inflation. Inflation is what causes our money value to depreciate. The higher the inflation rate the faster the money value drop over time. The indicator used to monitor inflation in our country is consumer price index (CPI). Our current inflation rate is about 3% to 4% (will change with our country economic status).

To simplify, RM 2.00 that we have today can buy you a plate of nasi lemak but a year later the same nasi lemak will cost you RM2.10 (rounded) or more. So, how are we going to STOP our losses/leak?

More than 1000 years ago people choose gold as currency because of the intrinsic value and uses of this precious metal. Gold is a symbol of wealth and in some society it is even regarded as sacred. Even during world war II, our ancestors used gold instead of paper currency to keep their wealth. The main reason for this was that paper currency changes with the ruling government (British, Japan, British). Our ancestors worked hard to get paid. Some of them kept their money under their pillow or even buried it. What they noticed was that once japan ruled the country, british currency is no longer accepted. All their hard earned paper money is now worthless. 

Same goes during the japan then back to british colonization. All of their life savings became plain old paper. The only thing they can use throughout the colonizations as currency was gold.

What we can learn from this is do not keep all our wealth in the form of money. Diversify. Real estates, stocks & bonds and of course gold. Professional investors suggest that we keep gold at least 10-25% of our total investments. For some of us (including me) who cannot afford real estates or have scanty knowledge about stocks or bonds, gold offer a good way to start your investment. It is affordable and thanks to Public Gold, investment gold is easily and readily available.

So, please please do not disregard gold as an important tool to protect your wealth.

By,
Wan Muhd Yusri WA
PG00067660
wanyusri@gmail.com
012-8871702

Tribute to SHISHA (My Beloved Cat) : Jan 2012 to 31 October 2016 

 

IMPORTANCE OF TECHNICAL ANALYSIS IN GOLD INVESTMENT

Gold saving and gold investment is actually quite different. For those interested to invest in gold should have at least 100g of gold bar. This is because the heavier the gold bar the smaller the spread (5-8%). If any of us interested to invest in gold should set a personal target. Become a buyer first and once our personal target reached then we can start the investment.



  When we talk about spot gold price we know that the price fluctuate every minute as investors did the bidding. But, can we anticipate the trend of the gold whether up or down? When to buy or sell? Trend or chart pattern reading needs a special set of skills. The skills require us to learn about technical analysis of gold (or other commodities) chart.

 

Candlesticks Chart

When gold investors discuss about the market trend they do not simply say going up or down but instead they would say 'bullish' or 'bearish' trend. This technical terms are widely used in investment world. So, if we wish to be part of their world we need to learn their 'language'.

OHLC Chart

I am not suggesting that we take investment as our major but at least know the basics such as type of charts - OHLC, candlesticks or line.






          

         
                                                                   

 

Chart: Gold market trend candlestick chart analyzed using Bollinger bands and MACD                       

•  Bollinger bands to showing the volatility of the market 
•  MACD to show the momentum & trend of market

After understanding the gold chart, we now can see the market trend.  To get more information, we need to analyze the chart. Tools designed by the experts comprises of complex formula which was simplified into user-friendly applications such as Fibonacci retracement, Bollinger bands, relative strength index or moving average. What is expected from us as end-users are only to choose the appropriate application(s) and interpret the results.

To summarize, if we intend to become gold investor we need to arm ourselves with adequate technical analysis knowledge to avoid losing instead of gaining profit from this potential investment.




Prepared by,
Wan Muhammad Yusri WA
PG00067660
wanyusri@gmail.com 
012-8871702 

FACTORS THAT INFLUENCED GOLD PRICE

1.   Value of U.S. dollar

U.S. dollar is the main currency involved in international trades. Dollar strength and gold price have inverse relationship. If the dollar is strong, the price of gold will decrease as more people tend to invest and trade in dollar.

2.   Central Bank Reserves

Federal Reserve Bank of New York

Central banks hold paper currency and gold in reserve. Any factors that result in instability to central banks will cause people to buy more gold rather than keeping paper currency.

3.   Monetary Policy

Interest rates (controlled by Federal Reserve) influenced the price of gold. Decrease in interest rates would entice people to flock to gold as bonds and stocks offer nominal gain and vice versa.

4.   Supply and Demand

       a. Supply

• Mining produce 60% of gold in the market annually
• Recycled gold



Gold Mine

• Central banks and international organizations gold transactions

       b. Demand

• Jewellery – majority of demand is in this sector
• Manufacturing – as gold is a efficient electrical conductor, it is used in solid state devices such as cell phones



Electronic Circuit containing Gold

• Investments – gold has negative correlation to stocks & bonds. This renders gold as a good wealth protector and usually placed as part of portfolios.

5.   Inflation

Inflation is an increase in general price of goods and services. As inflation increases gold prices also increase. People believe that gold can protect their wealth and so more and more people will exchange their paper currency into gold.

6.   Crude Oil Price

BLUE=GOLD, ORANGE=CRUDE OIL

Like gold, price of crude oil is determined in U.S. dollar. As crude oil price increase, gold mining cost also increases which will hike the gold price.

7.   Exchange Rate

GOLD PRICE (YELLOW) & EXCHANGE RATE (USD/MYR) 10-YEAR PERIOD  OVERLAPPED
SHOWING INCREASE GOLD PRICE TREND

As gold is dollar-denominated asset, exchange rate plays an important role in determining the gold price for investors of other currencies such as Malaysia. As Malaysian Ringgit depreciates relative to the US Dollar (ie. increase in exchange rates) the gold price will be amplified
 .

8.   Political Stability

If the government or financial markets were in the state of uncertain stability, people would tend to invest more in gold as they lack confidence and also anticipation of nominal profit gain.

Prepared by,
Wan Muhd Yusri/Public Gold Dealer/PG00067660
wanyusri@gmail.com
012-8871702

KELEBIHAN MENYIMPAN EMAS

1. Dapat kekalkan nilai

• Dari sejarah kita dapat melihat emas digunakan sebagai matawang dalam transaksi perniagaan atau untuk tujuan menyimpan harta. Factor utama untuk ini ialah kerana emas dapat mengekalkan nilainya.

2. Membantu menabung 

• Kalau kita menyimpan wang ringgit di dalam bank  agak mudah bagi kita membelanjakannya tapi kalau menabung emas kita rasa sukar untuk menjualnya kerana daya tarikan logam tersebut menimbulkan rasa ingin menyimpannya.

3. Menjaga kekayaan kita

• Matawang kita berisiko dimamah inflasi dan pengurangan nilai. Semua matawang di dunia mengalami risiko yang sama. Banyak faktor-faktor yang mempengaruhi nilai matawang. Antara faktor yang mempengaruhi nilai matawang ialah inflasi. Inflasi yang tinggi bermakna setiap ringgit yang kita ada cuma dapat membeli peratusan kecil servis atau barangan dari tahun ke tahun.

• Emas boleh dikatakan kalis inflasi kerana tidak banyak dipengaruhi oleh faktor yang mempengaruhi nilai matawang. Wang ringgit yang ditukar ke emas akan dilindungi dari kesan inflasi.

4. Boleh dipajak gadai (Ar-Rahnu)

• Tidak semua emas jongkong atau syiling (bar/coin) diterima di Ar-Rahnu (pajak) bank-bank atau pos. Emas public gold boleh dipajak dengan bayaran upah simpan tanpa caj lain. Wang dari pajakan emas boleh digunakan untuk tujuan menggembangkan perniagaan. Lebih mudah daripada memohon pinjaman. Tetapi kita perlu beringat wang dari pajakan jangan dibelanjakan untuk benda yang tidak memberi pulangan (seperti membeli pakaian).

5. Aset yang mampu dimiliki

• Kalau dibandingkan dengan hartanah emas adalah aset yang mampu dimiliki oleh semua. Public gold ada menyediakan kemudahan menabung melalui program GAP (Gold Accumulation Program) dengan modal serendah RM100 sahaja anda mampu memiliki emas berketulenan 999.9 atau 24k. Akaun GAP adalah percuma, cuma perlu minima 1g (ikut harga emas semasa) untuk dibuka. Ia juga disokong 100% oleh emas iaitu beli 1g emas dapat 1g emas. Tidak ada caj tersembunyi atau kehabisan emas.

6. Mudah dipindah atau dibawa ke mana-mana

• Sekiranya berlaku perkara yang tidak diingini di tanah air pemilik emas boleh membawa aset mereka bersama. Harta-harta lain tidak mudah malah mustahil dibawa bersama seperti tanah atau rumah. 

 

7. Muflis boleh beli

• Bagi mereka yang diisytihar muflis tidak boleh membeli aset seperti rumah tetapi mereka boleh membeli emas.

8. Biarlah rahsia!

• Jumlah harta yang dimiliki seperti rumah, bangunan dan tanah ada rekod di bank atau institusi lain. Pihak terbabit boleh menyiasat jumlah aset kita. Emas yang kita beli kita sahaja yang tahu jumlahnya. Ini untuk keselamatan kita sendiri atau keluarga daripada orang yang berniat jahat seperti culik dan ugut.

9. Mudah diwariskan

• Hartanah perlu ada wasiat atau surat kebenaran bagi membolehkan orang yang ditinggalkan mewarisi harta. Emas fizikal yang kita simpan boleh diserah tanpa sebarang urusan pejabat.
  

10. Tidak lusuh atau buruk

Wang kertas yang dimakan anai-anai

• Kita ada mendengar orang yang mengumpul dan menyimpan duit dalam tin, dibawah bantal, dalam buluh atau dalam plastik tetapi kecewa apabila wang kertas yang mereka simpan tidak lagi bernilai kerana lusuh atau rosak. Juga, wang kertas lama tiada nilai intrinsik seperti emas.

Untuk info lanjut,

WAN MUHD YUSRI
PUBLIC GOLD AUTHORISED DEALER
PG00067660
012-8871702
wanyusri@gmail.com
FB: Public Gold Invest Sarawak

AR-RAHNU EMAS (PAJAK GADAI)

Persepsi orang ramai mengenai pajakan emas dari dulu-dulu sehingga kini tidak berubah. Ini menyebabkan kita malu untuk memajak emas yang pada hakikatnya jika dilakukan dengan betul dapat menjana modal bagi tujuan pelaburan (yang dipastikan keuntungannya). Sebagai contoh kita memajak emas jongkong public gold untuk modal bagi memulakan sesuatu peniagaan. Apabila perniagaan tersebut mendapat keuntungan kita tebus semula emas dengan cuma membayar harga menyimpan yang minimum sahaja berbanding dengan pembiayaan persendirian. Tetapi tidak dinafikan pajakan emas boleh mendatangkan kerugian jika tidak dilakukan dengan betul.

 Untuk mengira jumlah pajakan dan jumlah yang perlu dibayar balik (termasuk upah simpan) kita perlu mengetahui beberapa perkara.

1. Nilai Marhun iaitu nilai emas semasa (bergantung 

    dengan tempat pajak) 

2. Kadar upah simpan 

3. Jumlah pajakan:

• Bank Rakyat membenarkan jumlah pajakan RM 10,000 sehari dan RM 50,000 jumlah terkumpul, maksimum 300g emas

• Margin pinjaman maksima sehingga 70% (bagi pelanggan baru ~ 65%)

4. Tempoh gadaian (sehingga 6 bulan, tempoh maksima 

     lanjutan 18 bulan dari tarikh gadaian)

Formula upah simpan Ar-Rahnu:

Upah Simpan = Nilai Marhun x Kadar Upah Simpan  x 12 x Tempoh (hari)

                                                                   100                                       365            

Contoh:

- Nilai marhun (nilai emas) : RM5000 (mengikut bank)

- Jumlah pinjaman : RM3500 (70%)

- Tempoh : 180 hari (6 bulan)

- Kadar upah simpan (ditetapkan oleh bank) : RM 0.85

Penggiraan:

Upah simpan = 5000 x 0.85/100 x12 x 180/365

                         = 5000 x 0.0085 x 12 x 0.49

                         = RM249.90

Jumlah tebus semula emas = RM3500 + RM249.90

                                                 = RM3749.90 (NB: TIADA CAJ & FI TAMBAHAN)

Semoga perkongsian ini sedikit sebanyak dapat membantu anda.

Wan Muhd Yusri | PG Dealer | PG00067660
012-8871702  | wanyusri@gmail.com