What is gold savings? Who is it for?

Many people have dreamed of saving gold, but the recurring problem is “having to save money for several months,” during which gold prices often rise significantly, causing the goal to slip further away. However, what changes in 2025 is the emergence of the Gold Savings Program that makes owning gold much easier.

This article will answer common questions: Is saving gold good? Who is it suitable for? And which platform should you choose?

What is Gold Saving and How Does It Work?

Simply put, it involves using money to buy genuine gold ( mostly gold bars with 96.5% purity ) through an app or website, without needing a large lump sum of money.

Imagine instead of putting coins into a piggy bank, you “deposit gold” into a digital portfolio. The money you transfer converts into gold weight based on the current price, making you a true owner of gold.

The most important feature of gold saving is the technique called “Dollar-Cost Averaging,” which means:

When gold prices drop, your fixed amount of money can buy more gold. For example, in January, the price is 30,000 THB per baht, and 3,000 THB buys 1.52 grams. In February, the price drops to 28,000 THB per baht, and the same 3,000 THB buys 1.63 grams. Doing this repeatedly will lower your average cost and reduce the chance of “buying at a high price.”

5 Popular Gold Saving Platforms for Investors in 2025

GOLD NOW (Hua Seng Heng)

A brand with over 70 years of experience guarantees quality and has partnered with leading banks, making investors feel secure.

The program has 2 modes: “Save NOW” for flexible accumulation starting at 1,000 THB, and “GOLD NOW” for direct buy-sell of gold bars starting at 5 THB, catering to both saving and trading groups.

When accumulated to 1 salueng (about 3.78 grams ), you can exchange for real gold bars at Hua Seng Heng branches nationwide. Transaction fees are 3-5 THB per transaction.

MTS Gold Blockchain (Mae Thong Sook)

The highlight is the use of Blockchain technology, the same system used in banks and cryptocurrencies, providing high security for data storage and transactions.

The platform’s main attraction is its ease of access—starting with just 100-150 THB. You can buy and sell 24/7 without holidays, and there are no transaction fees.

However, to exchange for real gold, you must pay a “block fee” (for gold bars) and gold jewelry ###for gold jewelry(, and you need to accumulate at least 1 gram. You can choose to pick up at a branch or have it shipped by mail.

) Get Gold ###YLG(

This program starts from 100 THB and offers flexibility between voluntary savings and automatic monthly savings.

A key advantage is the ability to buy and sell 24/7, referencing spot prices from the global market, allowing investors who follow price news to make real-time decisions.

There are no fees for buying and selling within the system, but there are block fees and withdrawal fees. Gold can be exchanged once you reach 1 gram.

) Ausiris Gold Saving

This platform is distinguished by its genuine automatic DCA system. Users only need to set a monthly saving amount ###minimum 1,000 THB (, and the system will automatically purchase gold daily during business days based on the gold trading association’s price at 4:00 PM.

This strategy helps build disciplined saving habits and has the lowest minimum exchange threshold—just 0.3 grams.

Ideal for long-term investors who want to remove emotion from decision-making and develop consistent saving habits.

) ARR Gold Saving (Aurora)

Utilizing a network of over 260 branches nationwide makes it convenient to receive physical gold.

Starting at 100 THB via the company’s website, with no fees for buying and selling, but gold can be exchanged once you accumulate 1 salueng ###3.78 grams ###, which may be higher than other platforms. However, the convenience of finding a gold pickup point compensates for this.

Is Saving Gold Good? What Should You Consider?

( Clear Advantages

Relieve the burden of a large initial investment: With just 100 THB, you can own gold on various platforms without needing to pool large sums.

Diverse safe assets: Gold acts as a good hedge when other assets like stocks decline, helping to balance your overall investment portfolio.

Overcome inflation in the long run: Gold prices tend to rise over time, helping preserve the purchasing power of your savings.

Good saving habits: Automatic programs help enforce regular saving, turning it into a habit.

High liquidity: Easily convert to cash in emergencies.

) Things to Watch Out For

Short-term volatility: Gold prices fluctuate constantly. Gold saving is suitable for long-term investment, not short-term speculation.

No fixed returns: Gold does not pay interest or dividends; profits come solely from price differences.

Risks from service providers: Fake apps or companies shutting down have occurred. Choose platforms from well-established, reputable companies with physical storefronts. Beware of offers promising unrealistically high returns.

Hidden costs in gold exchange: Block fees (for gold bars) or premiums (for jewelry) should be factored into the actual return calculations.

Who Should Save Gold? Ideal for These Groups

Students and beginners: Limited income, starting from 100-150 THB, is a good way to develop a habit of saving in a stable asset.

Freelancers / Self-employed: Uncertain income. The “Save as you like” mode offers flexibility—invest more in good months, pause in lean months.

Long-term planners: Parents saving for children or retirement planning. Gold helps preserve value over 10-20 years or more, and automatic systems suit long-term journeys.

Cautious investors: Fearful of stock market volatility but seeking good returns. Gold is an excellent diversification tool.

4 Steps to Start Saving Gold

Step 1: Choose the right platform

Ask yourself if you prefer to save manually regularly or want an automatic system. How important is the convenience of receiving gold? Picking a platform that suits your preferences will help sustain your saving habit.

Step 2: Open an account

Download the app, prepare your ID card and bank account booklet, and follow the registration steps. Most are e-KYC, involving facial scans for identity verification, so no need to travel.

Step 3: Start accumulating

Transfer money via QR code or link your bank account for automatic deductions. The amount will immediately convert into gold weight based on the current price.

Step 4: Receive gold or withdraw money

When reaching the threshold, you have two options: cash out (for short-term speculation) or exchange for real gold for long-term savings.

Summary: Is Saving Gold Good?

The answer is “very good,” but with conditions. Gold saving is not a magic bullet for overnight wealth. It is a powerful, accessible wealth-building tool.

Just start today, with small amounts. Discipline and consistency will lead you to sustainable wealth.