Is saving gold worthwhile? Answers and starting guidelines for the year 2025

Have you ever felt that saving gold requires a large amount of money? Today, the situation has changed with various online platforms making gold savings more accessible to everyone, even with small amounts of money.

Gold Savings: A Modern Asset That Is Safe and Easy to Access

Before deciding whether gold savings are suitable for you, take some time to understand this concept clearly.

Gold savings involve the strategic purchase of genuine gold ( with a purity of 96.5%) through the digital systems of reputable large companies. You don’t need a large capital; the main idea is to convert your money into gold weight based on the current market price. The system will securely store your digital gold balance.

What makes this method effective is the principle of Dollar-Cost Averaging (DCA), which helps reduce the risk from price volatility. For example:

• Month 1: Gold price is high, with 3,000 THB buying 1.52 grams
• Month 2: Gold price drops, with 3,000 THB buying 1.63 grams

Repeating this process over time results in an average purchase price that balances out, reducing the chance of buying at the highest prices.

Comparison of Leading Gold Saving Platforms: 5 Options for 2025

The market in 2025 is full of choices, but here are 5 trusted platforms with distinct features:

1. Gold Now by Hua Seng Heng

This company with over 70 years of experience offers high trustworthiness through partnerships with leading banks.

Highlights: One app with two modes - “Save NOW” for flexible accumulation (starting at 1,000 THB) and “GOLD NOW” for direct buy-sell (starting at 5 Baht)

Fees: About 3-5 THB per transaction via bank app. You can exchange for real bar gold starting from 1 salueng.

Suitable for: Investors who trust established brands and want flexibility.

2. MTS Gold Blockchain by Mae Thong Sook

Utilizes blockchain technology to ensure bank-level security.

Highlights: Lowest entry price, requiring only 100-150 THB. Open 24/7 without holidays.

Fees: No buy-sell fees, but a “block fee” applies when exchanging for gold bars, starting from 1 gram.

Suitable for: Beginners with limited funds and those prioritizing digital security.

3. Get Gold by YLG

A major player offering flexibility and access aligned with global market hours.

Highlights: Starting at 100 THB, with automatic daily and monthly savings options. Buy-sell 24/7 at spot prices.

Fees: No buy-sell fees within the system. Exchange for gold starting from 1 gram. Includes block and withdrawal fees.

Suitable for: Those who want to track market prices and buy-sell according to their expertise.

4. Ausiris Gold Saving

Pioneering digital bar gold investment for a long time.

Highlights: Truly uses DCA—automatic daily average purchases (minimum 1,000 THB/month) based on the gold trading association’s price at 4:00 PM, fostering disciplined savings.

Fees: Lowest gold exchange threshold, just 0.3 grams.

Suitable for: Long-term investors seeking an automatic system.

5. ARR Gold Saving by Aurora

Leverages a network of over 260 branches, making physical gold pickup convenient.

Highlights: Starting at 100 THB, with nationwide branch coverage.

Fees: No buy-sell fees. Exchange from 1 salueng (about 3.78 grams).

Suitable for: Those prioritizing convenience in receiving physical gold.

Quick Comparison Table

Who Should Start Saving Gold Today

Gold savings are not suitable for everyone in every situation, but they are highly beneficial for:

Students and beginners: Gradually accumulating from 100-150 THB helps build a habit of saving in a stable asset.

Freelancers: Flexible savings without commitments, tailored to each month’s income.

Long-term planners: Investors aiming for 10-20 years or saving for their children; gold acts as a hedge against inflation.

Cautious investors: Those uncomfortable with stock market volatility but seeking good returns; gold helps diversify risk effectively.

4 Steps to Start Saving Gold

Step 1: Choose the right platform

Consider your personality: Are you disciplined enough to save on your own, or do you prefer an automatic system? Is ease of gold exchange important? Your decision here will impact your long-term success.

Step 2: Register and verify your identity

Download the app, prepare your ID card and bank account details. Most registration processes use e-KYC (face scan), so no need to visit branches.

Step 3: Start accumulating gold

Transfer money via QR code or link your bank account for automatic deductions. Once the funds arrive, they will be converted into gold weight based on the current price.

Step 4: Choose your end method

When reaching your target, you have two options:

• Cash out: Sell gold directly at the current price, suitable for profit-taking.
• Exchange for physical gold: Convert into actual gold bars, ideal for long-term asset storage.

Pros and Cons

Advantages of Gold Savings

Low entry cost: Just 100 THB to own gold.

Key safe haven: Gold is a safe haven asset that performs well when other assets decline.

Inflation hedge: Over the long term, gold’s value tends to increase with living costs.

Builds saving habits: Automatic systems enforce regular saving.

High liquidity: Easily converted to cash, suitable for emergencies.

Cautions

Price volatility: Short-term gold prices fluctuate significantly. Suitable for long-term investment, not short-term speculation.

No interest: Gold does not pay additional returns; only profit from price differences.

Provider risk: Most importantly, choose large, reputable companies with long-standing credibility, physical branches, and high trustworthiness. Beware of offers promising unrealistically high returns.

Hidden costs when exchanging: Converting to physical gold involves a “block fee” that should be considered as part of the cost.

Summary

Is gold saving worth it? The answer is “Yes, definitely,” once you understand its conditions.

Gold savings are not a shortcut to overnight wealth but a sustainable wealth-building tool that is easily accessible. Start today—save small amounts, and with discipline and consistency, you will reach your financial goals.