Knowledge
Collection of financial and gold knowledge articles.
What Is GAP (Gold Accumulation Program) by Public Gold? A Beginner's Guide (2026)
GAP (Gold Accumulation Program) lets you accumulate gold value in an account from as little as RM100, without taking physical delivery straight away. Here's how it actually works.
How Much Gold Should You Hold? A Guide Based on Your Situation
Not 'as much as possible', and not 'just a token amount'. Understand how to think about what portion of your savings belongs in gold — based on your age and responsibilities.
Is Gold-Saving Even Legit? 5 Things You Must Check Before You Buy
Doubting whether gold-saving is genuine or just another scheme? Good. That caution is correct. Here are 5 things you can verify yourself before spending a single ringgit.
When Is the Right Time to Sell Gold? Three Questions First
It isn't the price chart that decides when to sell gold — it's the purpose you started saving for. Understand the spread, and three questions more useful than guessing the market.
Can You Sell Gold Back? Understanding How Buy-Back Really Works
The most important question before buying gold isn't 'how much profit', it's 'can I sell it back?'. Understand how buy-back works and why the sell price is always slightly lower.
How to Read the Daily Gold Price: Why Buy & Sell Prices Differ
The gold price changes daily and has two prices at once — buy and sell. Understand how to read the gold price with confidence so you know exactly what you're paying.
How to Calculate Zakat on Saved Gold: A 5-Step Guide (2026)
A step-by-step guide to calculating zakat on saved gold — from nisab and haul to the 2.5% rate — with RM examples and how to confirm with your state Zakat centre.
916 vs 999.9 Gold: Don't Buy Before You Understand the Difference
916 and 999.9 gold aren't just different numbers — they decide whether your gold is meant to be worn or held as value. Understand the real difference before you buy.
Saving Gold as Amanah: Protecting Family Wealth the Halal Way
Wealth isn't merely ours — it's a trust we hold for our family and the generations after us. Understand why saving gold aligns with the responsibility of preserving wealth in Islam.
Gold for Children & Hantaran: Savings That Hold Value Across Generations
From duit raya that gets spent to a meaningful wedding hantaran, gold is a way to store value that lasts for children and the next generation. Understand how.
Gold vs ASB: Which Suits Long-Term Savings Better?
ASB pays dividends, gold doesn't. So why do so many people save both? Understand the different role each plays — and why this isn't a question of 'which one wins'.
Gold vs ASB vs Tabung Haji: Comparing Three Places Malaysians Save
Gold, ASB, or Tabung Haji — which is better for savings? Understand what each one actually is, the different role each plays, and why it isn't a 'pick one' question.
Gold vs Property: Which Is Easier for an Ordinary Person to Start?
Property is often seen as the only 'real' asset. But for an ordinary person just starting out, gold offers a far lower entry point. An honest comparison of the two.
The Shariah View on Saving Gold: Why Physical Gold Is the Clearer Choice
Is saving gold halal? Understand why gold is a ribawi item, what qabd (taking possession) means, and why physically-backed allocated gold is clearer under Shariah than vague paper exposure.
The Advantages of Physical Gold — What's True, and What's Overstated
The lists of gold's advantages circulating online mix things that are true with things that are overstated. This is the honest version, including what gold cannot do.
The Silent Thief: How Inflation Destroys Cash Savings
Have you ever wondered why RM100 feels like so much less today than it did 10 years ago? The answer is a silent thief called inflation.
Is EPF Alone Enough? Why People Are Adding Gold for Retirement
EPF's own figures show most members don't have enough saved to retire comfortably. Understand why, and how gold can serve as an extra layer of protection.
Gold Nisab 2026: How Many Grams, & How to Know You've Crossed It
The gold nisab is around 85 grams — but its RM value shifts with the daily gold price. Understand what nisab means, how to work out the threshold, and where to check the official 2026 figure.
New to This? A Beginner's Guide to Saving Gold (From RM100 a Month)
You don't need big capital or investment expertise to start saving gold. A step-by-step guide for beginners — three ways to start, from as little as RM100 a month.
Public Gold vs Maybank (MIGA-i): Bank Gold Account or Physical Gold? (2026)
An honest comparison of saving gold through Public Gold's GAP versus a bank gold account like Maybank Islamic Gold Account-i. Not which is better — which fits your goal.
The History of Fiat Money & Why Gold Preserves Value
Understand how paper money was created, why its value constantly depreciates, and why gold remains the ultimate protector of wealth.
How to Store Gold at Home Safely (Including the Risk Nobody Mentions)
An honest guide to keeping physical gold at home — four basic principles, when home is the wrong place, and the biggest risk, which isn't theft.
Saving Cash vs Saving Physical Gold
A quick comparison between saving in conventional cash and physical gold.
Zakat on Gold: When It Becomes Due, and Who Has to Pay
Saving gold comes with a responsibility many overlook. Understand when zakat on gold becomes obligatory, what nisab and haul mean, and the difference between stored gold and gold that is worn.
Gold Zakat in Selangor: What Differs by State, and Where to Get the Official Figure
The zakat framework is the same in every state, but the nisab value and the treatment of worn jewellery differ. Understand what's specific to Selangor and where to get the official LZS figure.