Putradinar | Malaysia

Only l x 1oz and 1 x 50g...
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In this post I like to share with you why gold is so important. First i would like to ask why are you buying gold in the first place? If this is the first time you notice about gold or you have little knowledge about gold, please further your studies and ask someone that really know what he is doing. Before you been drag away with $$$, please see this video and think:







# Why is this happening? Like what I always said, all the post here is to inform your thinking, and only you can lead yourself and your so called money.

Pawnbroking is a useful service during financial distress and very helpful for small budget gold trader.Just bring your valuable item, normally jewelery and you will get cash.There are two ways you can pawn your gold in Malaysia. Whether going to conventional pawnbroking or Islamic pawnbroking(Ar-Rahnu). Both of it can give you financial aid immediately but what make it differ from each other?

Islamic Pawnbroking(Ar-Rahnu)

• Example: Bank Rakyat ~ AgroBank ~ The Malaysian Islamic Economic Development Foundation (YPEIM)


• Loan Financing: 65% to 70% of the gold value(marhum)


• Loan Period: 6 month but there are extension period if can't redeem on time


• Pawn Product: gold wafer and jewelery


• Safekeeping Fees: RM0.65 to RM0.75 for every RM100.00 of gold value per month


• Eligibility: Malaysian citizens above 18 years, permanent residents and not bankrupt

• Example: just go through the yellow pages and you find a lot :)


• Loan Financing: normally your gold will be under-valued below 50% of its actual
  value


• Loan Period: 6 month with extension period not less than 3 month


• Pawn Product: almost anything that valuable


• Interest Rate: 2% of the loan permonth(24% peryear)


• Eligibility: not sure

Now there is one more way to invest your money in gold.

Koperasi Usahawan Emas Malaysia Berhad (KUEMAS) is making their ways towards establishment in Malaysia.The establishment of this co-operative society is to increase gold ownership for each member cooperatives and give dividend return / profit to all member by fund collection for investment purposes in gold.

KUEMAS promotes several products like below:

• Elderly Savings Scheme


• Dinars Savings Scheme


• Investment Savings Scheme Dinars


• Youth Savings Scheme


• PasarDinar (e-trading)


• PasarDinar (live trading)


• KUEMAS's Membership Card

Smart investors always diversify. Wise investors always include gold in their asset mix. Unlike paper investments such as stocks, bonds, and even dollars, gold is always in demand. When the Internet bubble burst, a ton of tech stocks fell to pennies, even to zero. Since 1980, an ounce of gold has never been worth less than $250.

Constant demand
About 80% of the gold bought today is used to make jewelry. Gold jewelry is in high demand not only in the world's richest and most industrialized countries, but also in India, China, and other Asian countries, as well as in Latin America and Africa. The gold jewelry market is so diverse that when demand declines in one area, it is likely to rise in another. Furthermore, demand for gold jewelry tends to decline only during periods of economic downturn. But it is precisely during such periods that investment demand for gold rises rapidly.

Constant rarity
Companies can and do issue additional shares of stock, diluting the shares already held by investors. Governments print money and inject it into the economy, diluting the cash in your pocket and bank accounts. Even many non-paper assets, such as mass produced collectibles, are, well, mass-produced. Their supply is essentially infinite.

Gold, however, is one of the scarcest substances on earth. Tons of ore must be processed to produce an ounce of gold. According to the US Bureau of Mines, all the gold ever mined throughout history and throughout the world would build a cube measuring only 60 feet on edge. Furthermore, as relatively easy-to-mine sources are depleted, new sources of gold are harder and harder to find. And it takes, on average, about seven years to bring a new source of gold into commercial production, which creates a major gap between increasing demand and increasing supply.

Universal liquidity
Many hard assets do not have the liquidity of stocks and bonds. There are times when it can take months or even years to sell real estate, art, or collectibles such as carpets or antiques. Gold, in the form of bars or bullion coins issued by the US Mint and other mints, is traded on an active global market in North and South America, Europe, Africa, and Asia. It is always easy to buy gold and easy to sell it.

Nor are gold sales encumbered by the paperwork and government tax filings that characterize stock and bond trades. Even if stock markets fail, banks close, and governments are in crisis - in fact, especially under those circumstances - there are eager bidders for gold in every city and country in the world.

True diversification
Our parents told us, "Don't put all your wealth in one basket." Investment advisors also preach the virtue of diversification. But by "diversification" they often mean split your assets between stocks and bonds, and between large cap, mid-cap, and small cap growth and value stocks, with some international equities thrown in. Unfortunately, when the whole stock market swoons, especially when the bond market crashes alongside it, you can find yourself holding only one basket after all. Such scenarios can and do take place in real life, as many of us have discovered from reading about the Japanese stock market or about recent events in Argentina.


Gold, however, is a true portfolio diversifier. Its "correlation coefficient" with the price of global stock has ranged within plus or minus 0.4 since 1993, averaging around zero. That means that the price of gold does not vary with the stock market, but independently from the stock market. Owning gold really is holding another basket.

Always own gold
Constant demand, constant rarity, universal liquidity, and true diversification. These are among the key reasons a wise investor always owns gold as a portion of his or her portfolio. Although more investment advisors are recommending gold now than during the 1990s, most still ignore gold and favor holding only paper assets. They have no way of profiting from recommending buying physical gold, which may have something to do with their outlook.