Saving gold is a shortcut to wealth, or just wanting to be too good?

Have you ever felt the frustration of watching gold prices rise and telling yourself, “Why didn’t I buy when the price was low”? The problem is that waiting until you have enough money to buy a big gold bar takes time, and by then, the market may have already changed. Nowadays, there are new methods that allow you not to wait as long as before.

Understanding “Installment Assets”

What is called “gold savings” that has gained popularity in 2025 is not very mysterious. It involves purchasing genuine (96.5% pure) gold gradually through an app. The money you deposit is converted into gold weight based on the current price and stored in your digital account.

Instead of saving money in a piggy bank, you’re “depositing gold” into your online portfolio.

The core of this strategy comes from a financial principle called Dollar-Cost Averaging (DCA) — averaging the cost. Suppose you save 3,000 THB per month. When gold is priced at 30,000 THB per baht, your money can buy 1.52 grams. The next month, if gold drops to 28,000 THB per baht, the same 3,000 THB can buy 1.63 grams. This method helps you avoid buying at high prices and averages your costs over time.

Want to start now? Where should you choose?

The market offers many options. Major companies in 2025 each have their strengths.

GOLD NOW by Huosengheng — Suitable for those who trust reputation. With over 70 years of experience, the app allows you to choose between flexible savings (starting at 1,000 THB) or direct gold trading (starting at 5 THB). Fees are modest, around 3-5 THB per transaction, and you can exchange for real gold at Huosengheng branches once you accumulate a quarter gram.

MTS Gold Blockchain by Ma Thongsuk — If you’re concerned about data security, the blockchain system is as secure as banks and crypto platforms. Starting from just 100-150 THB, you can trade 24/7 with no trading fees, only a blockchain fee (for casting into bars). When exchanging for real gold, minimum is 1 gram.

Get Gold by YLG — For those who prefer trading based on real-time global spot prices. Starting at 100 THB, with both flexible savings and automatic monthly plans. Trading is available 24/7 with no trading fees, but there are fees for exchanges and withdrawals.

Ausiris Gold Saving — An automatic DCA system. You set a monthly limit (minimum 1,000 THB), and the system will buy for you every business day at 4:00 PM based on the current price. This strategy builds excellent discipline. Bonus: the lowest gold exchange threshold in the market, just 0.3 grams.

ARR Gold Saving by Aurora — Prefer convenience? Aurora has over 260 branches nationwide. Starting at 100 THB, with no fees, but you need to save at least 3.78 grams (1 quarter baht) to exchange. The trade-off: you need to save more than others, but it’s very convenient to get real gold.

Who should start?

Students and beginners — Limited income? Starting with 100 THB from Ma Thongsuk or YLG is a good beginning. Build the habit of saving in a stable asset early.

Freelancers and self-employed — Irregular income? YLG’s flexible savings mode or GOLD NOW allows you to invest more when income is good and pause when slow.

Long-term planners — Parents saving for children, retirees wanting to hedge against inflation. Ausiris’s automatic system is designed for journeys of 10-20 years.

Cautious investors — Afraid of stock markets? Gold is a “Safe Haven” unrelated to stocks, helping diversify your portfolio well.

Four essential steps

1. Find the right one — Review the options above and ask yourself: can you save consistently yourself, or do you need the system to enforce it? Is convenience in receiving gold important? The answer = the choice that suits you.

2. Open the door — Download the app, prepare your ID card and bank book, complete e-KYC by scanning your face. Most don’t require visiting a branch.

3. Start accumulating — Transfer money via QR code or link your bank account for automatic deductions. Once the money enters the system, it becomes gold weight based on the current price.

4. Finish or convert to cash — When reaching the threshold, you can choose to withdraw cash for profit or exchange for real gold for long-term storage.

Pros and precautions

Advantages: Very low starting costs in asset history, good risk diversification, long-term inflation hedge, builds saving discipline, no need to store physical gold at home risking theft.

Precautions: Short-term price fluctuations can be high. Suitable for long-term investment. No interest or dividends; returns only from price differences. Risks from casting companies if choosing fraudulent or dishonest institutions. Hidden costs when exchanging for real gold (such as blockchain or premium fees).

Easiest way to protect yourself: Choose large, reputable companies with long-standing presence and physical storefronts, not those that just appeared last month.

For short-term traders or those aiming to profit from both rising and falling markets, tools like Futures or CFD with leverage might be more suitable, but be aware of the increased risks.

Closing remarks

Is saving gold good in 2025? The answer is “Very good for those who understand its nature.”

It’s not a tool for overnight riches, but a powerful and accessible wealth-building weapon for most people today. Just start now, with small amounts. Discipline and consistency will surely lead you to your financial goals.