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| Good Delivery Gold Bar as seen in Central Banks around the world |
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| In case of an emergency …The credit card sized CombiBars™ can be easily broken into 1 gram pieces of Gold Bar suitable to be used as a “crisis payment” |
On another note, Ng said that Tomei, one of the country's three listed gold and jewellery retailers alongside DeGem Bhd and Poh Kong Holdings Bhd, was always on the lookout for potential business opportunities, which may include mergers and acquisitions.
While saying there were no concrete plans on the table, he added that opportunities in the market were aplenty.
“But a lot depends on the strategy, outlook and what kind of value you can create. Any acquisition (we make) will have to suit our appetite. If we cannot digest it, we won't do it.”
He also noted that the next two years could be challenging due to overall market conditions.
“Therefore, we will take a slightly more cautious approach to the business.”
On his outlook for bullion prices, Ng stressed that gold was a long-term investment.
“You don't want to (focus on) the price tomorrow, or in two or three weeks. In the medium term, gold has reason to strengthen further.
“I wouldn't suggest that anyone take a short term position.”
Ng added that the growing demand for gold investments over the past few years had led to a heavier weighting of the commodity in its inventory, but he maintained that Tomei only bought what it needed.
“We are not a trader. We will stock up when we need to, for example during festive seasons.
“But when we need less stock during low seasons, we will reduce (our holdings). We don't buy to anticipate price movements.”
As at its first quarter ended March 31, Tomei's inventories stood at RM332.24mil, down slightly from RM326.1mil in the three months to Dec 31, 2011, but notably higher than the RM270.11mil recorded in the corresponding quarter last year.
Although jewellery makes up the bulk of its stock, its holdings of gold has risen steadily as a percentage of total inventories, from 41%, or RM77.01mil, in 2007 to 49%, or RM160.64mil, in 2011, according to the company's annual reports.
Tomei's net profit in the first quarter was 8% lower to RM7.57mil against RM8.35mil a year earlier, while revenue rose 35% to RM155.69mil from RM115.24mil.
It attributed the increase in revenue to better consumer spending, but said the decline in profit was caused by fluctuations in the price of gold. 
Now is the time to invest in gold as its price is consolidating and likely to climb over the next few years, according to expert of the commodity, Mr Dar Wong
多美与丰隆联办晚宴， 黄达分享黄金投资之道 - 12-7-2012， 星洲日报[/caption]
多美与丰隆办投资者感恩宴 - 10-7-2012， 南洋商报[/caption]
多美丰隆联办晚宴， 邀黄达分享投资 - 9-7-2012， 光明日报[/caption]
亞洲區域最受歡迎培訓導師之一黃達，上週四（5日）晚于多美GoldSilver2U.com網絡金條與銀條投資平台講座會上說：“黃金是一種較保險及長期的投資，投資者不需擔心破產或面臨高風險投資。”[/caption]
Theme : Gold: An Investment Asset Class Of Its Own Date : 5 July 2012 (Thursday) Time : 6.00-10.00 pm Venue : One World Hotel Entrance fee : By Invitation only Dress Code : Business Attire[caption id="attachment_218" align="alignnone" width="630"]
Hong Leong Bank and Tomei presents Gold Silver Investment event - The GoldSilver2u.com Investors' Appreciation Night[/caption]
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[caption id="attachment_219" align="alignleft" width="630"]
The GoldSilver2u.com Investors' Appreciation Night to be held on July 5th![/caption]
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[caption id="attachment_220" align="alignnone" width="630"]
GoldSilver2u.com Investors’ Appreciation Night Invites 投资欢聚晚宴 - contents[/caption]
GoldSilver2u.com, since its launch in November 2011 has established itself as a household brand name as the specialist in physical Gold and Silver bars investments. The e-commerce platform enables Malaysian consumers looking for investment opportunities access to gold and silver global trading prices, physical gold and silver bars online retail store to make purchases, to have access to monitor their gold and silver investment portfolio and also market intelligence.
GoldSilver2u.com assures its customers of its end to end solution for investment grade pure Gold and Silver Bar with its reputable establishment and integrity being a proud subsidiary company of TOMEI Consolidated Berhad, MyTomei Sdn Bhd.
Check out this beautiful infographic that best explains where gold comes from and to where it goes... up to the different forms of gold investment that you may have considered of[/caption]
For those wanting to invest in Gold, there are many options widely available to us in Malaysia. First of all, there are two distinguishable type of investment, one being physical gold such as ingots, gold bar/bullions, nuggets, coins and jewelries while the other being the paper gold such as the Gold account passbook, Exchange Traded Funds (ETFs), Mining Stocks, Futures and unit trusts.
[caption id="attachment_160" align="alignleft" width="431"]
黃金投資渠道多 市民該如何選擇 There are many ways to invest in Gold. There are from paper gold - funds and stocks and physical gold while physical gold is the most practical way for most consumers. Among jewelries, coins, and gold bar, it would be more practical to invest in gold bar due to the lower premium compared to other end products.[/caption]
Physical gold is the real thing that you can hold in your own hands, take possession of (often anonymously) and store them in your own place or a 3rd party safe deposit service which ever you are comfortable with. For those concerned about another financial meltdown, physical gold allows them to invest outside of the financial system. It is not tied to any currency and it is not correlated to other investment asset which is exactly why most people invest in the physical form.
On the other hand, the paper gold allows you to “own” gold too, but you do not keep them with you. Instead, you get paper certificates that guarantee a conversion of their value into actual gold such as those mentioned above. In other words your investments get exposure to the gold price by buying various types of security. Given the time when the economy is good and the company managing your investment performs, the paper gold generally cost less to buy into than physical gold and so it tend to yield higher profits.
There are many resources on the internet that you can read about if you need to investigate more in order to make a decision that is best suited for your investment strategies and requirements. In order to understand better and make your [caption id="attachment_164" align="alignleft" width="300"]
Precious Metal Investment Pyramid[/caption]
own conclusion on physical vs paper gold, let’s take a look at the some of the selected articles taken from other sources:-
* Paper Gold vs Physical Gold by Jonathan QuekAmong them, the Precious Metals Investments Pyramid shows that physical gold has an increasingly high liquidity as to money while decreasing in risks compared to paper based gold investments. All in all, gold and silver should be taken as a long term strategy while taking into consideration the many risks that may be associated with them. At the end of the day, it's hard to deny that physical gold and silver remain as one of the best way to invest.* The Differences Between Physical Gold & Gold ETFs by Blanchard
* The 'secret' gold market that could enhance your profits in Moneyweek
基於全球經濟動蕩，中國、印度、印尼等3大國對金之需求殷切，黃金去年最高每安士盤桓於1千700至1千800美元之間。去年以先揚後挫收場，8月22日攀上最高1889.70美元，過去一年上漲20.75%，5年來上漲162.25%。
分析師指出，過去4個月金價雖跌，但說黃金的全盛時期已過為時尚早，不少人認為金價將在2012年繼續走高。較低的利率水平以及發達國家實施更多經濟刺激措施的可能性，將加大黃金的吸引力，圍繞經濟增長的擔憂則推動投資者避險情緒升溫，從而買入黃金。
不管外圍風雨交加，多美集團（TOMEI，7230，主板消費品組）董事經理吳逸平認為，作為長線投資，購金保值總是錯不了的。
從目前的利率來看，只要短期利率還是維持在現有水平，人們的存款利息追不上通膨率，投資金飾、金片、金條無疑是另一項投資選擇。
過去10年金價漲約500%
吳逸平指出，過去10年以來，金價騰漲約500%；未來走勢無人可以預測，但要保不會有問題，若增值當然是紅利。
他說，黃金的投資不局限於大富人家，工一族也一樣可以投資。打工一族也可買1、5克、10克、20克、50克，甚至一公斤，檻鬆動，買多買少悉聽尊便。
關於黃金的投資方式，業者逐步推廣至塊、金片，但須提醒消費者的是，勿被一賺取暴利的計劃所吸引而遭騙。
他指出，其實投資黃金旨在分散風險，實來說，並非黃金增值，而是貨幣在貶。
“對一般老百姓來說，可能因不熟悉股、債券，因而呈現不可知的風險；但黃金可作為護盤，又比投資地產門檻低。”
他說，5克足金大約為1千令吉左右，一受薪階段每月定期購買10克、20克，聚少多；若抱著長期投資的心態，肯定有抗通膨的保值作用。
目前有一些趨勢，有人把長輩留下的金飾賣斷，並換成金塊投資。有關價碼以當天金價乘以重量，金飾的折價為20%至25%，而金塊則折價不超過10%。
他認為，若考慮到過去10年金價漲了約500%，這些最高達25%的折價，還是算是很好的投資，而且這些金飾都佩戴了一些時候，可說是物有所值。
金店目前賣潮流
他說，金店目前賣的是潮流，亞洲年輕消費群較鍾情白金產品，歐美還是忠於黃金、中港則喜愛粉紅金。
大馬黃金、白金各類金飾產品手工藝好，不用銷售稅，租金低、勞力成本低，因此產品具競爭力，珠寶業在大馬是高價值行業。
“目前的趨勢是，很多中國人都在大馬選購金飾珠寶，大馬有條件打造黃金首飾中心。”在中東、新加坡所賣黃金首飾，皆由大馬生產，大馬是龐大的OEM生產商。
“大馬生產的金飾產品在全球多個地區有很好口碑，可把大馬打造成生產中心，不過這也很大程度上看本地的政策。今年計劃舉辦金飾品展銷會，打造成為東盟金飾中心。”
重振金市 馬須引進熟練外勞
在過去，大馬曾在金飾業的世界版圖上排名第二，日前屈居第八；如果要重振旗鼓，必須引進熟練外勞才有法可施。很多金商因國內缺乏缺乏熟練人力，而把廠房遷往中國或其他國家。
以零售來說，金飾零售需不斷提昇素質，目前客戶對商業裝潢、燈光很講究，對金飾質地、包裝、銷售與售後服務，也需繼續提昇，目前仍有很大的改進空間。
提昇銷售人員素質
若要此方面做得好，銷售人員的素質、涵養須進一步提昇，語言方面的中、英文溝通能力是主調；若這方面提昇了，也有帶動旅遊業的潛能。
他說，目前金飾產品買氣旺盛，業者應該把握時機、提昇自己、抓住市場。
就投資金飾而言，他認為，這不僅僅是一項投資，中間承載著的是濃情密意、溫馨親情，之中可能包含很多美好記憶，這些皆是無價的。
大馬產品有三色金、粉紅金，而鑽石產品則有黑鑽石、白鑽石與褐鑽石；大馬每年約消費35億令吉金飾，任何喜慶、節慶都會刺激消費需求。去年估計出口40億令吉金飾產品。（星洲日報／投資致富‧企業故事）
Jittery about the currency inflation, people are turning to Gold for a safe haven[/caption]
Time has proven that Gold as an asset class has play important role in our world economy dated back from the early days of human civilization.
Gold began as items of adornment to symbol of wealth to trade currencies and asset until today. Its core functions has not changed through the centuries although today in our modern economic environment, gold has evolved into more sophisticated financial products such as currency backings, investment funds and into materials for industrial uses. Its rarity, usefulness and desirability make it a substance of long term value.
Not only that, because it has a high value, durable, portable and easily divisible, it is not a wonder that Gold is a viable investment.
Compared to other asset classes, the finite resource has also been steadily appreciating in value, if not, retaining its value steadily and again proven itself as a suitor for long term investments/ saving.
Needless to say, there are many write ups and expert advises from simple laymen language to sophisticated market trend analysis that easily point out the many benefits of investing in gold.
In this article, we sum up a short and concise version for your reading pleasure as below: -
During the launching of GoldSilver2u.com gold and silver bar online investment platform in November 2011, financial expert, Mr Cao Yang from Batar Gold China, shared that the world economic volatility is something that we all cannot foreseen, at times of hyper-inflation, even our cash will become nothing more than a piece of paper.
Blanchard Economic Research Unit in its article “Why own gold?” the most consistent factor determining the price of gold has been inflation - as inflation goes up, the price of gold goes up along with it.
It is also no wonder why not only investors are keeping gold, even central banks around the world are stocking gold to counter the effects of inflation and currency fluctuations.
Gold always retain its intrinsic value. Gold’s value, in terms of the real goods and services that it can buy, has remained remarkably stable for centuries. In contrast, the purchasing power of many currencies has declined, due for the most part to the rising price of goods and services.
When economy suffers a crisis or when people lose confidence in their government, Gold becomes a safe haven for investment that protects against stock market's financial meltdown, inflation, currency fluctuations.
This is because gold prices tend to appreciate at time of trouble, as shown below :-
[caption id="attachment_144" align="alignnone" width="630"]
How Gold Perform during a financial crash (Source : http://seekingalpha.com/article/295567-how-gold-performs-during-a-financial-crash)[/caption]
Don't put all your eggs into one basket. When investing, it is a good practice to diversify your investments When diversifying, it is important to take into consideration the type of asset classes and their correlations to reduce the risks of value fluctuations in the one or a few of the invested assets.
Statistically, gold has seen to be behaving differently in comparison with stocks, bonds and currencies as explained in the earlier section of this article. Physical gold, compared to most investment portfolios most asset types such as bonds and stocks that are valued on paper are also much less exposed risks of severe losses in the event the finance companies undergoes liquidation.
Therefore many financial advisers recommend keeping an amount of 5% - 10% of gold help offset market fluctuations and reduce volatility
Unlike most investments like bonds, stocks and properties, gold is less regulated and less bound by ownership procedures and paperworks yet it is still recognized and accepted as a form of payment, worldwide. Because of that, it allows you to easily buy, sell and exchange it anytime, 24-hours a day, around the world.
In conclusion, Gold is close to being regarded as universal currency!
References:
http://en.wikipedia.org/wiki/Hyperinflation
http://www.blanchardonline.com/beru/why_own_gold.php
http://blogs.wsj.com/marketbeat/2011/11/17/central-banks-in-scramble-to-buy-gold/
http://seekingalpha.com/article/295567-how-gold-performs-during-a-financial-crash
As the high currency inflation rate is already as anticipated while US dollars depreciates, gold and silver being a wealth preserver, reaches its new height in the investment arena. As a savvy woman, why not ride on the wave of the glittering gold? Start saving your own gold, build your very own gold investment portfolio for a fruitful return while gold and silver's potential unleashes - your wealth, just like gold and silver tested over time.
[caption id="attachment_47" align="alignleft" width="300"]
"Hold on to Gold & Silver to Accumulate Wealth" - Jessica Money, February 2012 (p1/3)[/caption]
[caption id="attachment_48" align="alignleft" width="300"]
"Hold on to Gold & Silver to Accumulate Wealth" - Jessica Money, February 2012 (p2/3)[/caption]
[caption id="attachment_49" align="alignleft" width="300"]
"Hold on to Gold & Silver to Accumulate Wealth" - Jessica Money, February 2012 (p3/3)[/caption]
"There Should be Gold in Your Capital" (pg 1/4) - China Press Biz Cover Story, December 03, 2011[/caption]
Source: http://www.chinapress.com.my/node/273980
Investment experts say that there are 3 treasures needed in life - Capital, Companion and Compadre (buddies). Capital being the most uncertain "treasure" as supposedly one needs a substantial amount of savings for retirement (as the most assured method) tend to be unpredictable by you and i due to its volatility....
投資專家說，人生要有三寶，老本、老伴和老友。老本，是最充滿不確定的“一老”，原以為存一筆豐厚存款夠養老，也是最穩定的做法，可沒想到一場不到你我控制的危機襲擊后，存款里的花綠綠鈔票頓時貶值，100萬貶至90萬，再貶到70萬……
10年后，鈔票銀碼沒變，但價值肯定縮水。
市場走空，作為儲存退休金的基金資產跟著走下坡，贖不贖回都折騰，贖回將即時損失、不贖回又害怕最后丁點的老本也虧掉。
只有鈔票的老本，是最危險、最不安全的配置。
到底，老本中的財富要如何配置呢？
“老本不能全是貨幣，必須有黃金配置”。 不信黃金比貨幣更重要？看以下故事。 前蘇聯解體前，貨幣盧布兌美元是0.9:1，0.9盧布兌1美元，盧布比美元值錢。 當時，一名70歲老太太在銀行存款200萬盧布，老本應該不成問題，光靠銀行利息收入，生活可以很美好。 但蘇聯解體后，貨幣改成美元，老太太養老的是美元，不再是盧布。 就在蘇聯解體后3年，老太太到銀行提錢買生活用品，卻被銀行告知，所有200萬盧布存款只能夠買10公斤面包，因為盧布的貶值已達1:28000，2萬8000盧布兌1美元！ 在天氣寒冷的當兒，老太太只有兩條路可走，在面包和煤氣之間二選一，最終不是餓死即凍死，老太太最后唯有尋死，自殺了。 [caption id="attachment_37" align="alignleft" width="211"]
"There Should be Gold in Your Capital" (pg 2/4) - China Press Biz Cover Story, December 03, 2011[/caption]
或爆發貨幣危機
深圳黃金珠寶研究所所長曹陽上週在國內一場“黃金投資與財富配置”研討會上，與出席者分享上述故事，道出財富中如果缺乏黃金配置，是有多大風險，可嚴重至無法終老。
他說，很多人的財富都以貨幣為計算單位，例如存款、房產、股市、外匯、基金、股權等。
他提醒說，未來3至5年或會爆發貨幣危機，大家手上的鈔票很快變廢紙。
“經濟每出現低靡，國家政府只有3輛馬車可拉動經濟，投資、出口和消費，歐美市場顯然在這3方面都不足以提振經濟，唯有超速超量發行貨幣，接著經濟危機將深化至貨幣危機。
“試問，在政府剩下印鈔唯一可走的路，貨幣還可能靠嗎？”
曹陽指出，撇開黃金可避險、投資等“技術”功能，黃金能給人們帶來生活保障。
黃金最好藏在家中
黃金最安全的收藏處是家中？
曹陽說，大部分人都會在銀行開保險箱收藏黃金，但面對不小風險。
“萬一國家經濟陷困，政府要國人交出黃金救援，你能不交嗎？所有收藏資料和紀錄都在銀行中，只要銀行向政府呈上客戶名單，所有黃金便是政府了。”
[caption id="attachment_38" align="alignleft" width="211"]
"There Should be Gold in Your Capital" (pg 3/4) - China Press Biz Cover Story, December 03, 2011[/caption]
他笑言，如果是收在家中，可以偷偷不申報。
他建議，還是買個保險櫃放在家里收藏黃金比較安全。
貨幣發行100年 貶值1000倍
信用貨幣的本質是負債，根據研究分析，全球從來沒有一個貨幣在發行100年以后，不貶值1000倍！
曹陽說，黃金幾乎是一種無利息的資產，也不是一國發行貨幣的基礎，但它仍是國際經濟活動中被普遍接受的債務清還資產。
黃金也是一種價值儲藏方式，一個國家擁有相當數量的黃金儲備，可以避免在經濟上受制于債務國。
據世界黃金協會統計，目前全球地上黃金存量為16.3萬噸，其中首飾用金佔最大比重，達8.36萬噸、黃金個人投資量2.73噸、各國黃金官方儲備總量2.87噸、工業和其他用量1.97噸，其余3700噸不確定去向。
曹陽指出，已探明黃金儲備量為2萬6000噸，每年開採量約2600噸，表示10年以后全球不會再有“新黃金”。
物以稀為貴，屆時，黃金價格的走勢將無法想像。
投資前先思考5問題
黃金投資的門檻偏高，投資額很大，使投資者進、出場格外謹慎，深怕買高賣低，要成功先自我思考以下5個問題：
[caption id="attachment_39" align="alignleft" width="211"]
"There Should be Gold in Your Capital" (pg 4/4) - China Press Biz Cover Story, December 03, 2011[/caption]
1. 黃金是什麼？
2. 用什麼方式看黃金？
3. 怎樣看目前的黃金價格？
4. 配置什麼樣的黃金更有價值？
5. 什麼是黃金的文化價值？
曹陽說，只要投資者弄清楚這5點，投資黃金時即如魚得水。
黃金投資重文化 紀念收藏價值要兼具
黃金投資也講求“文化”；文化氣息與投資價值息息相關。
黃金投資文化指金條、金幣和金首飾被賦予紀念意義、文化內涵，不僅具備黃金的高純度，也因精致的工藝、文化意蘊，同時有收藏紀念價值和裝飾作用。
曹陽舉例，同年發行的一個普通金幣和紀念金幣，數十年后，該紀念金幣很可能因為“紀念和收藏價值兼具”，被高價拍賣，身價隨時比普通金幣高百倍。
黃金作用
個案 1 －伊朗人質事件 拒美元要50噸金
信用貨幣在很多時候受政治、經濟及購買力不穩等因素影響，無法被市場普遍接受。
例如1981年伊朗人質危機發生后，伊朗拒絕美國用美元贖回人質，美國人最后支付50噸黃金。
這50噸黃金對美國而言，根本是“小數額”，但伊朗則認為黃金是比美元更值錢的“寶物”。
當時美國助理財政部長約翰遜在聽證會上說：“美國財政部都把黃金儲備視為國家遺產，也是一種能預防不確定事件發生的資產。”
美國是全球擁有最多黃金儲備的國家，達8133.5噸，佔外匯儲備高達70.4%，具備爆發戰爭等不利情況時，轉換為資本的能力。
在世界黃金儲備排名前6的國家中，德國以3406.8噸，排在第二，之后依次是國際貨幣基金組織（IMF）3005.3噸、意大利2451.8噸、法國2435.4噸及中國1159.3噸。
個案 2 －作部分擔保 助多國度經濟難關
歷史上，黃金曾協助許多國家度過經濟難關。
1973年爆發石油危機，意大利1974年利用黃金作部分擔保，向德國中央銀行借貸20億美元（約63億8000萬令吉）償還外債。
1991年，印度也是依靠黃金儲備才度過難關，包括向瑞士出售20噸黃金，后來又運送46噸黃金到倫敦，作為向日本中央銀行貸款的抵押。
個案 3 －韓國人民 捐金助國家脫難
1997年亞洲金融風暴發生時，很多經濟學家原預計貨幣貶值有助增強出口競爭，結果相反，1998年除了中國和印度，亞洲其他國家都面對經濟萎縮。
經濟狀況惡化和外匯儲備急劇下降，導致許多國家無法償還巨額外債，不得不要求國民拿出家中的黃金代國家還債。
最后只有愛國情操最高的韓國人，籌集到足夠的數量、270噸民間黃金儲備，幫助國家度難關。
也因為這樣，韓國是當時最快和第一個重新站立的亞洲國家。
美國30年經濟大蕭條時，也是勒令國人交出黃金，如果隱瞞不申報，將罰款5萬美元（約15萬9600令吉）和坐牢，借用民間黃金擺脫蕭條。
黃金投資品種
◆賬面投資：紙黃金、黃金股票（Gold Stock）、黃金理財產品、黃金股票指數基金（ETF）。
◆實物黃金：普通類金條、紀念類金條、金幣、黃金首飾。
◆黃金期貨
曹陽簡介
身份眾多，是珠寶公司高層也是分析師。
他任職深圳百泰珠寶首飾有限公司總裁，曾是摩根大通（JP Morgan）的投資分析師，現為深圳黃金珠寶研究所所長、北京黃金經濟發展研究中心特聘研究員、貴金屬及珠寶玉石標準聯盟秘書長，長期從事黃金珠寶行業發展戰略研究工作。
擁有獨到的先解和豐富的操作經驗，是黃金珠寶業界著名的行業發展問題專家，也是深圳珠寶行業發展的戰略顧問之一。
曹陽金句
＊並非所有貨幣是黃金，但黃金一定是貨幣。
＊亂勢黃金
