Why is saving gold a smart choice in 2025

During the period when gold prices continued to rise steadily, many people realized that traditional savings methods could no longer meet investment needs. Gold savings technology was developed to solve the problem of difficult access to gold coins. Today, anyone can start owning gold with just 100 baht through a trusted digital platform.

Gold Savings Principles: The DCA Method That Changes the Game

Gold saving is a method of gradually accumulating genuine gold ( with a purity of 96.5%) via a mobile application, by consistently investing small amounts instead of waiting for a large lump sum. The core principle of this system is called Dollar-Cost Averaging (DCA)

How does the DCA principle work? Imagine:

• Week 1: Gold price is 30,000 baht per baht. Your 3,000 baht will buy approximately 1.52 grams.
• Week 2: Price drops to 28,000 baht per baht. Your original 3,000 baht can now buy 1.63 grams.

When prices fall, you get more gold for the same amount of money. Conversely, when prices rise, you get less. This method helps to average your costs and reduces the risk of market timing.

Leading Gold Saving Platforms in 2025

Currently, many providers offer gold savings programs, each with its own advantages:

GOLD NOW via Hua Seng Heng: Flexible and comprehensive

Hua Seng Heng, with over 70 years of experience, offers GOLD NOW with two modes:

• Save NOW: Starting at 1,000 baht for flexible savings
• GOLD NOW: Starting at 5 baht for direct trading

Transaction fees are about 3-5 baht per transaction, and you can exchange for gold bars when you accumulate at least 1 salueng at any branch.

MTS Gold Blockchain: Strong security

MTS Gold uses blockchain technology similar to banking systems, offering high security. You can start with just 100-150 baht. Trading is available 24/7 with no transaction fees. Only a “block” fee applies when exchanging for real gold, with a minimum of 1 gram.

Get Gold from YLG: Real-time global market prices

YLG’s advantage is referencing real-time spot prices from the global market, starting at just 100 baht. It offers flexible or automatic monthly savings. No trading fees, but there are block and withdrawal fees to consider.

Ausiris Gold Saving: Fully automatic system

Ausiris offers a distinctive approach using true DCA. Set a monthly savings amount (minimum 1,000 baht), and the system will automatically average buy every trading day based on the gold trading association’s price at 16:00. This is a good option for long-term investors aiming to build discipline. Gold can be exchanged from as little as 0.3 grams, the lowest in the market.

ARR Gold Saving by Aurora: Maximum convenience

Aurora, with over 260 branches nationwide, offers ARR Gold Saving starting at 100 baht. No trading fees, and gold can be exchanged when reaching 1 salueng (about 3.78 grams). The advantage is the convenience of receiving physical gold.

Who Should Consider Gold Savings

Students and beginners: With just 100-150 baht from MTS Gold, Get Gold, or ARR Gold, it’s a gateway to secure asset savings.

Freelancers and gig workers: Unstable income, but the “Flexible Save” mode offers investment flexibility based on monthly income.

Long-term planners: Those with goals over 10-20 years. Gold helps hedge against inflation and preserve value. Ausiris’s automatic system is designed for this journey.

Cautious investors: Those wary of stock market volatility but seeking better returns than savings accounts. Gold is excellent for diversification.

4 Steps to Start Saving Gold

Step 1 - Choose your preferred approach Identify your lifestyle: Are you disciplined enough to save manually, or do you prefer an automatic system? How important is the convenience of receiving gold? Choosing appropriately will help you save sustainably.

Step 2 - Open an account Download the app, prepare your ID card and bank book, and register via e-KYC (no need to visit a branch).

Step 3 - Start saving Transfer money via QR code or link your bank account for automatic deductions. The amount will be converted into gold weight based on the current price immediately.

Step 4 - Use your gold When reaching the threshold, you can:

• Withdraw as cash: suitable for speculation
• Exchange for gold bars: suitable for long-term savings

Benefits of Gold Savings

• Easy access: Starting at just 100 baht, anyone can own gold.
• Diversification: Gold is a safe asset (Safe Haven) that performs well when other assets decline.
• Fight inflation: Gold’s value tends to increase with the cost of living over the long term.
• Build savings discipline: Especially with automatic systems, making regular savings a habit.
• High liquidity: Easily converted to cash without the risk of storing gold at home.

Things to Watch Out For

Short-term volatility: Gold prices fluctuate in the short term. Gold savings are suitable for long-term investment, not short-term speculation.

No other income: Gold does not pay interest or dividends; returns come solely from price appreciation.

Provider risks: There are reports of fake apps or companies shutting down. A good safeguard is choosing well-established, reputable companies with physical storefronts and high credibility. Beware of offers promising unrealistically high returns.

Hidden costs in exchange: While buying and selling within the system may have no fees, converting to real gold involves a “block” fee that adds to the cost.

Summary: Why Try Gold Savings?

Gold saving is not a method to get rich overnight but a sustainable wealth-building tool that is the most accessible today. Just start today with a small amount. Discipline and consistency will lead you to your genuine gold savings goal.