GAP vs physical gold (dinar/bars), and when each makes sense

Two ways to own gold

With Public Gold, you can own gold through a GAP account or by buying physical gold such as bars and dinar wafers. Both are 24K gold. The differences are in how you buy, how it is stored and the costs involved.

GAP: gold in an account

• How you buy: from RM100, or multiples of RM50, or 1 gram. Weight is recorded to 4 decimal places.
• Storage: held by Public Gold and backed by physical Au999.9 gold. No storage fee.
• Records: a Tax Invoice for each purchase and a GAP Statement in the system.
• If you want gold in hand: withdraw in multiples of 1 gram, with a Gold Premium charge.

Physical gold: bars and dinar

• How you buy: in fixed sizes. Public Gold's live price page lists 24K bars from 5 g to 1000 g, dinar (1, 5 and 10 dinar) and small bars/wafers such as 0.5 g and 1 g.
• Storage: you keep it, at home or in a safe deposit box. Security and storage costs are yours.
• Price: each product has its own selling and buy-back price, shown on the live price page.

At a glance

	GAP	Physical gold
Start with	RM100	The price of one product unit
Who stores it	Public Gold	You
Storage fee	None	Your own cost (if you use a safe box)
Form	Weight in your account	Bar, dinar or wafer in hand
Getting physical gold	Withdraw in 1 g multiples + Gold Premium	Already in hand

When GAP makes more sense

• You want to start small and add every month.
• You don't want to worry about where to keep the gold.
• You want clear purchase records in one statement.

When physical gold makes more sense

• You want to hold the gold yourself, for example as family savings.
• Your budget covers a full unit.
• You have a safe place to store it and accept the risks.

Many people start with GAP and withdraw physical gold once they have built up enough grams. Whichever you choose, remember that the gold price can fall and no returns are guaranteed.