Saving gold and building a protective portfolio against inflation: In-depth review and platform comparison 2568

Problems That Make Savers Turn to Gold Savings

Bank deposits yield only 1-2% per year, which is below the ongoing inflation rate. This means that your purchasing power is actually decreasing each year. When you want to buy gold later, prices jump dramatically, making your savings never reach the goal. This is why savvy players are switching to “Gold Savings” — a method of gradually accumulating genuine gold through digital platforms without storing gold at home.

What is Gold Savings and How Is It Different from Regular Savings?

Gold savings is not just putting money into a piggy bank, but gradually purchasing pure gold (96.5%) through trusted service apps. Starting with just 100 baht, you can begin. When you transfer money, the system converts it into gold weight based on the current price.

What makes gold savings a powerful tool is the principle of Dollar-Cost Averaging (DCA) — averaging costs. Imagine: if you save 3,000 baht per month:

• Month 1: Gold at 30,000 baht/gram → you buy 1.52 grams
• Month 2: Gold drops to 28,000 baht/gram → you buy 1.63 grams (cheaper price, more!)
• Month 3: Gold rises to 31,000 baht/gram → you buy 1.48 grams (more expensive, less)

Result: You never make the mistake of “buying at the peak” because you accumulate steadily. The average cost decreases over time.

5 Popular Gold Savings Platforms in 2025: In-Depth Review

1. GOLD NOW (Hua Seng Heng) - Choose your own mode

Trustworthiness: 70 years of experience, collaborating with leading banks

Highlights: All-in-one app with two modes — “Save NOW” (Flexible savings from 1,000 baht) and “GOLD NOW” (Buy-sell gold bars from 5 baht onwards)

Fees: 3-5 baht per transaction via bank app

Minimum gold exchange: 1 salueng @E9~3.78 grams( at Hua Seng Heng branch

Suitable for: Investors wanting both savings and trading in one app, those confident in a well-established brand

) 2. MTS Gold Blockchain ###Mae Thong Sook( - Security First

Trustworthiness: Uses Blockchain technology )Same as banks and crypto( for data storage

Highlights: Starting at only 100-150 baht, buy-sell 24/7, no holidays

Fees: 0 baht for buy-sell, but “block fee” applies when exchanging for gold bars

Minimum gold exchange: 1 gram )Available at branches or via mail delivery(

Suitable for: Beginners with small capital, those prioritizing data security

) 3. Get Gold ###YLG( - Real-time trading

Trustworthiness: Major player with long-standing reputation

Highlights: From 100 baht, save at will or automatically monthly, Spot price 24/7 )Based on global market prices(

Fees: No buy-sell fee, but block fee and withdrawal fee )See details(

Minimum gold exchange: 1 gram

Suitable for: Savers following market news, wanting to track global prices 24 hours

) 4. Ausiris Gold Saving - Automatic disciplined system

Trustworthiness: Pioneer in gold bar savings in Thailand

Highlights: Genuine DCA system — set a monthly limit ###Minimum 1,000 baht(, then the system averages purchases daily at 16:00 based on the Gold Trading Association price

Fees: Block fee when converting to gold

Minimum gold exchange: 0.3 grams )Lowest among competitors!(

Suitable for: Long-term investors )10-20 years( who want the system to operate automatically without decision-making

) 5. ARR Gold Saving ###AURORA( - Convenient gold receipt

Trustworthiness: Over 260 branches nationwide

Highlights: Starting from 100 baht, convenient with gold pickup points near your home

Fees: 0 baht for buy-sell, transfer fee 10 baht )Withdrawal < 500 baht(

Minimum gold exchange: 1 salueng @E9~3.78 grams)

Suitable for: Those prioritizing convenience and familiar with the Aurora brand

Quick Comparison Table

Who Is Gold Savings Really Suitable For?

( 1. Students/New to Money
100-150 baht feels small, but after 1-2 years of accumulation, it becomes a real asset.

) 2. Freelancers/Independent Workers
Income fluctuates; need flexibility — save more in good months, take a break when income is tight.

3. Long-term Planners ###20+ years###

After 20 years, the accumulated value will effectively protect savings from inflation.

( 4. Cautious Investors
Fear stock volatility but want better returns than bank deposits. Gold is a good Safe Haven.

Advantages of Gold Savings

✅ Very easy to start: 100 baht can own gold now.

✅ Good risk diversification: Gold does not move with stock markets, providing excellent protection.

✅ Hedge against inflation: Long-term, gold prices tend to rise with living costs.

✅ Build savings discipline: Automatic deduction system helps enforce regular saving.

✅ High liquidity: Can sell immediately when needed, no need to store at home.

Things to Watch Out For

⚠️ Short-term volatility: Gold prices change daily. Think long-term, not short-term profit.

⚠️ No interest: Returns only from price appreciation.

⚠️ Provider risk: Fake gold savings apps and companies have shut down before. Choose “large, reputable companies with physical stores”. Never trust offers promising unrealistically high returns.

⚠️ Hidden costs of exchanging for gold: “Block fee” or “premium” applies when converting to real gold. Include this in your calculations.

4 Steps to Start Gold Saving

) Step 1: Choose the platform that suits you
Check the comparison table and ask yourself:

• Do you want automatic averaging or manual selection?
• Do you want to exchange gold near your home?
• Focus on low fees or convenience?

Step 2: Register

Download the app, prepare ID card + bank book, do e-KYC ###Face scan###, no need to travel.

( Step 3: Transfer money into the system
Via QR code or link bank account for automatic deduction. When money arrives, it’s instantly converted into gold weight.

) Step 4: Decide when reaching the threshold

• Withdraw as cash: Sell at real-time prices ###For profit-taking###
• Exchange for physical gold: Convert to gold bars (For asset holding)

Is Gold Saving Worth It? The Final Answer

Yes, it’s very worthwhile but with understanding that:

• It’s not a magic wand to get rich overnight
• It’s a powerful long-term wealth-building tool that’s easily accessible
• Choose a trustworthy platform + discipline and consistency

If you can save regularly for 3-5 years or longer, you will see the power of DCA and the genuine increase in gold prices.

Start today, focus on automatic discipline, and tell yourself that your money will turn into gold.