## Saving money gradually while gold prices run away—why are Thais switching to "Saving Gold"?

Many people have experienced this situation: they intend to save money to buy gold, but before they finish, gold prices surge so high that they miss out. This old problem now has a new solution called "Saving Gold" — a tool that allows you to accumulate gold gradually via a mobile app, without having to pay a large lump sum.

## What is Saving Gold? How is it different from saving money?

Let's consider a hypothesis: instead of dropping money into a piggy bank, now you deposit real gold ( generally 96.5%) into a digital portfolio. The money you transfer is converted into gold weight based on the current price, and safely stored in the system.

What makes Saving Gold truly powerful is the principle of **Dollar-Cost Averaging (DCA)** — averaging the cost to reduce risk from volatility effectively.

**Real example**: Suppose you save 3,000 THB per month
- **January**: Gold price at 30,000 per baht → 3,000 THB gets about 1.52 grams
- **February**: Gold price drops to 28,000 per baht → 3,000 THB now gets about 1.63 grams, more!

When gold is expensive, you get less; when it’s cheaper, you get more! The average cost remains steady, greatly reducing the risk of buying at the peak.

## Who should save gold? 4 groups suitable for this

1. **Students/Beginner workers**: Start investing experience early with just 100-150 THB from your first job.
2. **Freelancers/Independents**: Income is irregular; the flexibility of "saving as you wish" helps you invest without constraints.
3. **Long-term planners**: For retirement, saving for children, gold protects against inflation as prices tend to rise over time.
4. **Cautious investors**: Fearful of stocks; gold is a reliable hedge during market turbulence.

## 5 providers of gold accumulation in 2025 - clear comparison

| Feature | GOLD NOW (Hua) | MTS Gold (Mae Thong) | Get Gold (YLG) | Ausiris | ARR Gold (Aorora) |
|---|---|---|---|---|---|
| **Minimum initial deposit** | 1,000 THB | 100 THB | 100 THB | 1,000 THB | 100 THB |
| **Saving mode** | Independent saving + trading | 24/7 saving | 24/7 saving | Automatic DCA | Independent saving |
| **Strengths** | All-in-one app for saving and trading | Blockchain security | Spot price 24 hours | Automatic bank deduction | Network of 260+ branches |
| **Minimum gold exchange** | ~3.78 grams | 1 gram | 1 gram | 0.3 grams | ~3.78 grams |
| **Fees** | 3-5 THB per transaction | Blockchain fee at exchange | Blockchain/withdrawal fee | Blockchain fee at exchange | 10 THB (withdrawal <500) |

**Expert advice**: Beginners should choose MTS or Get Gold (small capital); long-term investors should go with Ausiris (automatic); those prioritizing convenience should pick ARR Gold (most branches).

## 4 steps to start your gold accumulation journey

**Step 1**: Ask yourself, "Who am I?" — Do you want an automatic system? Do you trade often? Do you want to receive real gold easily?

**Step 2**: Download the app, register via e-KYC (face scan, ID card, bank book) — no need to visit a branch.

**Step 3**: Transfer money via QR code or link your bank account for automatic deduction. As soon as the money arrives, it converts into gold weight and appears in your portfolio immediately.

**Step 4**: When reaching your target, choose one of two options:
- **Withdraw as cash**: End the game, take profits (suitable for short-term gains)
- **Exchange for real gold**: Keep as an asset (suitable for "saving to accumulate wealth")

## Pros vs. precautions: see clearly before you proceed

**Advantages:**
- Easy to start, small money (just 100 THB!)
- Diversify risk — gold is more stable than stocks in crises
- Fight inflation — gold prices tend to rise over time
- Build saving discipline — automatic deductions enforce saving habits
- High liquidity — easily convert to cash in emergencies

**Precautions:**
- Price volatility — short-term market fluctuations; avoid quick speculation
- No interest — returns come only from price differences
- **Choose reputable companies**: Beware of scammers creating fake apps or companies shutting down. The best protection is selecting well-known companies with real branches and long histories.
- Hidden costs — "Blockchain fee" (per bar) or "premium fee" (for jewelry) when exchanging for real gold, which should be considered as part of the cost.

**Another perspective**: If you want to speculate on volatility, profit from both bullish and bearish trends, and use leverage — saving gold is not the best route. Tools like Futures or CFDs are more suitable but come with leverage risks.

## Final thoughts: Is saving gold good? The answer is "Very good — if you understand the game"

Saving gold is not a get-rich-quick method, but a wealth-building tool that reaches you directly. It’s easy to access and understand the mechanics. It’s not difficult — just start today with a small amount, and discipline and consistency will lead you to sustainable wealth. Saving gold remains a wise choice for those who want to accumulate assets smartly.