Saya tambah sikit tentang pelaburan emas yg saya baru belajar akhir-akhir ini.
Rakan saya ada mencadangkan pelaburan Emas KFH (Kuwait Fin House)yang dijangka memberi pulangan 12%setahun..
Spt juga hartanah, harga emas sentiasa naik.. biasanya orang beli emas utk keuntungan jangka panjang kerana harga sentiasa naik.
Emas juga boleh digadaikan jika perlu wang segera (spt di Ar Rahnu atau Bank Rakyat)..
Jangan lupa..emas perak perlu dizakat...tak pe..zakat boleh beri pd "program zakat sekolah atau institusi Islam".
Ada beberapa perkara atau pilihan pelaburan emas ini.
1)Public gold... Modal sekitar RM30-40K... komisyen sekitar 1% per transaction (selain keuntungan jika harga naik)... boleh cek dgn ejen ...saya belum dapat kumpul RM30-40K
Maybank pun ada emas Kijang..Public gold dan Kijang...Malaysian brand..nak jual di luar negeri, susah sikit kot...
2)Emas Hiasan dan gadaian.. Ini biasa orang perempuan pakai, tapi tak sesuai utk pelaburan kerana ada tambahan harga 'workmanship".. dan "spread" (Harga beli-harga jual) yang sangat jauh berbeza... TAPI kalau pandai "BELI SURAT PAJAK" anda mungkin boleh dapat emas dengan harga sangat murah!...But still... jika simpan utk masa panjang, masih menguntungkan (dgn andaian harga emas sentiasa naik)
3)Emas Gold bar/coin
a.Dinar Mas Kelantan .. mula popular di negara Islam dan di Malaysia, khususnya Kelantan.. tapi bekalan dan harga "tidak menarik"... kecuali kita boleh benar-benar berjual beli menggunakan dinar (emas) dan dirham(perak).. tapi tetap makin populer, terkini; perak juga turut serta...boleh google "dinar Emas kelantan".
dinar (emas) sekitr RM600 dan 1 dirham (perak)sekitar RM20 SHJA. Malah sudah ada beberapa kedai yang boleh berjual beli atau bayar gaji (atau bayar hantaran) guna dinar dan dirham.
b.UOB gold. Ini adalah bar dan syiling emas yang sangat stabil dan laku di mana-mana di dunia dan mematuhi pasaran dan std antarabangsa: Australian Nugget, Canadian mapple, Singapore Lion dll...
rujuk harga terkini di sini http://www1.uob.com.my/jsp/finance/fin_gold.jsp?func=gold
Anda boleh beli emas bar atau syiling dengan harga semasa..
Bagi saya... harga terbaik adalah beli Emas UOBbar atau syling dgn denominasi 1oz (31.1gram) sama ada Pamp, Nugget atau Lion... eg dgn harga RM 4345/oz atau 31.1gram atau 139.71/gram... jika anda beli sikit 1 gram, 5 gram... hatta 100 gram harganya lebih tinggi....
Saya lebih minat dgn emas fizikal UOB ini ... harga/gram paling kompetetif dan senang jual semula di seluruh dunia (mungkin boleh beli guna US dollar dan jual harga RM!)..cuma, pastikan ada peti besi atau sewa safe deposit box utk keselamatan!.. Satu lagi masalah..stok susah dapat..biasanya kena pegi UOB main Branch di KL...
Emas SELAIN UOB/std gold... Sesuai jika anda mau jadi ejen emas , atau BUKA KEDAI EMAS!
(nota...anda juga boleh buat khidmat menyadur semula-gold plating, atau membaiki emas...modal rendah..saya ada kawan yang buat bisnes ini)
4)Emas Fizikal vs Akaun Emas... Baca perbincangan di Zaharuddin.net.... JANGAN beli emas tanpa dapat EMAS FIZIKAL... eg Maybank ada akaun Emas tapi tiada emas fizikal (cuma tertulis dalam akaun...tapi mana emasnya?)
..refer kepada Posting http://chemistryagro.blogspot.com/2011/02/12-economic-collapse-scenarios-that-we.html
"So what is going to happen when many investors begin to absolutely insist on physical delivery of their precious metals? What is going to happen when the fact that far, far, far more “paper gold” and “paper silver” has been sold than has ever actually physically existed in the history of the planet starts to come out? "
5) AWAS
a.Skim pelaburan Emas Amazing Wealth dll. Mereka membeli emas dari Dinarius Dirham http://www.dinariusdirham.com/v1/tnc dan menjual semula kepada kita, dengan jaminan keuntungan 2% sebulan (24% setahun!).... Nampak cantik.. tapi awas, mereka menggunakan emas PAMP 100gram (harga sekarang RM13365) tetapi menjual kepada kita dgn harga emas barang kemas RM 16 660 http://www.fgjam.org.my/ ... ini skim cepat kaya..
b)Emas percuma/barangan electronic. Banyak iklan E-book..panduan mendapatkan emas percuma dari barangan elektronik... satu lagi pembaziran... sy keja kilang elektronik,... "gold wire" dalam litar elektronik dah banyak tukar kpd "Copper wire"... lagipun bukan senang nak pecahkan komponen plastik utk dapatkan sedikit emas (jika ada) dalam komponen telefon, TV dll...
B)KOPERASI..perbincangan tambahan... satu potensi yg belum dimanfaatkan sebaiknya. Banyak koperasi di Malysia buat duit dgn Pinjaman koperasi kepada ahli (atau rugi kerana ahli tak bayar balik pinjaman!)...
Pengalaman dgn koperasi ditempat kerja...Kami boleh pinjam (tanpa penjamin) SETAKAT jumlah yg ada dalam simpanan...eg..jika ahli ada RM 5000, dia boleh pinjam RM5000, simpanan ahli adalah jaminan kpd pinjaman tersebut...
Jadi, bolehlah pinjam dari koperasi dgn kadar 6-7% dan beli emas dgn keuntungan 12% setahun! ... nanti dah banyak emas, boleh beli tanah atau bangunan pula!...
wallahu'alam
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REFFERENCE....................
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Is Paul Donovan a Jew?
Please remember, George Soros (the great American Jew) use to say that gold is the ultimate bubble in early 2010. Two weeks after that he increased his holding in SPDR Gold Trust from 2.5 million shares to 6.2 million!!
If I'm not mistaken, I have read somewhere, his gold holding is around 3,800 tons. That's worth around RM500 billion. Just for comparison, total export of oil by Petronas is only RM45-50 billion per year. Anytime he can buy Malaysia!!
Itu baru satu Yahudi. Yang lain tu?? Syarikat Yahudi lain di Wall Street?? Sebab itulah harga emas naik mendadak.
Harga emas memang cukup stabil dan atas sebab inilah ia sesuai sebagai matawang. Harganya sekitar US300-400/oz semenjak 1980 hingga 2005 (25 tahun). Kemudian naik secara perlahan US600-700/oz pada 2007. Pada 2008 harga dah mencecah US800/oz dan sekarang harganya US1,400/oz. Dalam masa 6 tahun dah naik 3-4x ganda dan berkemungkinan besar akan naik lagi. Mostly semua ni kerja Yahudi sebab mereka sedang simpan stok emas.
Bila matawang US dan negara lain menjunam jatuh akibat tidak ada nilai, Yahudi akan berkuasa penuh dalam matawang dunia sebab kebanyakkan emas mereka yang pegang. Pada masa itu, hampir seluruh dunia akan tunduk kepada kehendak Israel.... and this might happen sooner than you think.
Untuk makluman, USD tu tidak disandarkan dengan emas. Pada Oktober 2010, Ben Bernake (Chairman, US Federal Reserve) berkata "The US Government has a great technology, its called 'the printing press'. We can print money as much as we want to". Depa boleh cetak duit sebanyak mana yang mereka mahu dan dunia terpaksa menerima. Tetapi berapa lama???
Masalahnya kita ni tak ada cukup duit nak beli emas...heh...heh.... Satu gram pun tak dak....
TQ
Just for your info tentang ekonomi US, sila click www.usdebtclock.org atau buat search US Debt. Clock ini dalam real time. Sekarang dah mencecah USD14 trillion. Nak tahu banyak mana nilai ini? Kalau kita belanja sebanyak US1 setiap saat (bersamaan RM260,000 sehari), duit ini akan habis selepas 444,000 tahun. Masa sejak Nabi Adam pun tak sampai angka ini. Ikut penganalisis Kristian, sekitar 6,000 tahun hingga sekarang. Oleh sebab itu, banyak pihak yang berpendapat US tidak mungkin dapat membayar semula hutangnya ini.
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From: amali
To: xxxxxx@googlegroups.com
Sent: Saturday, January 15, 2011 21:15:38
Subject: [xxxxx] Gold equals money -
---------- Forwarded message ----------
From: xxx
Date: Sat, Jan 15, 2011 at 8:43 PM
Subject: on shortage of gold to qualify as currency
Aswt,
I found this article by Prof Kameel which is of interest to the subject.
Wassalam,
Zxxx '72 S
This article appeared in The Edge Malaysia, Issue 774, Sep 28-Oct 4, 2009.
Gold equals money
In this column I would like to respond to Paul Donovan’s article “Gold has no serious role as a currency” (Issue 769, Aug 24). Donovan, who is deputy head of global economics at UBS Investment Bank, contends that it is unlikely for gold to assume some kind of central role in the modern foreign exchange system simply because there isn’t enough of it.
Discrediting gold on the pretext of its limited supply is common. This misunderstanding can perhaps be cleared up using the equation of exchange MV = PY. In the modern fiat-money-based economic system, for every flow of goods and services, there is the opposite flow of money. This is fundamentally what the equation of exchange captures. The real goods and services are depicted by Y, commonly measured by the gross domestic product (GDP) at a constant price. In the case of Malaysia, Bank Negara Malaysia measures Y using GDP at year 2000 prices. Any change in Y, therefore, depicts a change in real goods and services. P is the general price level. Hence, Y is price times quantity, which is basically the nominal GDP.
M is the total money supply in the economy. There are many definitions of money but what is important here is money that is normally used for transactions, that is, for the purchase of goods and services. Hence, the appropriate definition here is that M2 consists of currencies and coins in circulation, demand deposits and less liquid money like time deposits.
The equation of exchange, therefore, simply says “price times quantity is what is paid in monetary terms”. Nonetheless, in macroeconomics we have one more variable, that is the velocity of money circulation, depicted by V. Velocity is in the equation because the same money can be used again and again for economic transactions. That is to say the same RM50 note can be the medium of exchange for many transactions in the economy. The average number of times money changes hands is the velocity. Because the flow of goods and services is matched by the opposite flow of money, the equation of exchange is indeed an identity. Some regard it as “kindergarten material” in economics and finance. Yes, as important as kindergarten material is to our later professional knowledge, the equation of exchange is a powerful tool to understand the world of economics and finance today.
For example, if money supply were increased rapidly relative to goods and services, while velocity remained constant, the equation of exchange tells us this would only translate into a rising P, or price levels. Perhaps we are reminded at this juncture of the Japanese occupation of Malaya in the early 1940s when the occupying army introduced huge amounts of duit pokok pisang — paper currency that depicted a picture of a bunch of bananas hanging from a tree. This action simply translated to serious inflation.
The equation also depicts that a sudden increase in velocity would also be inflationary. This can happen when, for example, people lose confidence in a currency and try to get rid of it by spending it. We are reminded how in the early 1990s Russia faced hyperinflation when people tried to spend the ruble due to the collapse of the Soviet Union. In recent history, Zimbabwe too faced a similar situation due to both reasons — printing money rapidly and high velocity of circulation.
Price levels can also increase, for a given amount of money supply, when supply of goods and services, or Y, shrinks. This could happen due to natural catastrophes, for example. But as the famous monetarist Milton Friedman pointed out, inflation is predominantly a monetary phenomenon — caused by an over-supply of money relative to goods and services. And this, of course, is easiest to occur when money itself is fiat and not backed by gold, as it was when we used the gold standard.
It is indeed the indiscriminate increase in global money supply, particularly the US dollar, that has brought the world to its current economic and financial debacle.
Donovan implied in his article that since gold is limited in supply, there is no validity to gold as a currency benchmark. From the equation of exchange, one can see the fallacy of this argument. For a given nominal GDP, that is the right side of the equation, one does not need an equal amount of money on the left side. Clearly, the amount needed depends on the velocity of money circulation. The higher the velocity, the less money is needed. One can also verify this by comparing data on money supply and nominal GDP of nations and convince oneself that the amount of money supply is always lower than the nominal GDP.
There are ways on increasing the velocity, directly or indirectly. Therefore if gold is used as a monetary benchmark, its short supply is not of true concern in a world of exchange. For example, if one exports goods worth 1,000kg of gold and imports goods worth 1,000kg of gold, how much gold is needed to settle the transaction? None, of course. The great English economist David Ricardo pointed out that when the monetary system works at the peak of its efficiency you don’t need any gold.
Such efficiency can be increased by employing netting methods. Bilateral and multilateral payment arrangements (BPA and MPA) are powerful ways to achieve this and are certainly ways that can mitigate the current global financial crisis. Under BPAs and MPAs, even countries with minimal reserves can trade, bolstering the fact that a lack of gold to play the role of reserve currency is immaterial. On the contrary, countries can leverage the gold reserves they already have to increase trade further. The reason is gold needs to be used only as a unit of account. Just using gold as a measure of value alone would bring about price and exchange rate stability, the very targets of many central banks.
Consider the following MPA example that illustrates netting. Say, the Indonesia-Malaysia-Thailand (IMT) growth triangle decides to implement a gold-based MPA among themselves. In such an arrangement, the countries would trade as usual, with their respective central banks dealing with their importers and exporters in their respective currencies, with the gold equivalent of the trades being recorded and settled periodically, say, every three months. Assume that in a particular quarter, the trade is as shown in Table 1, where Malaysia exports two million and 1.5 million gold units worth of goods and services to Thailand and Indonesia respectively. Thailand exports 1.8 million and two million to Malaysia and Indonesia respectively while Indonesia exports 1.7 million each to Malaysia and Thailand.
The MPA settlement for the trade matrix is given in Table 2. Within the group, Malaysia’s trade is balanced while Indonesia needs to pay Thailand only 0.1 million gold units. Hence the entire trade matrix, worth 10.7 million gold units, is settled with only 0.1 million gold units. In the equation of exchange, this is equivalent to increasing the velocity of money circulation. Indeed, the netting can be enhanced with more participating countries and lengthening the period of settlement, thereby a huge trade matrix can be settled with small amounts of gold. This was what former prime minister Tun Dr Mahathir Mohamad proposed in 2003 for Bank Negara Malaysia to implement among the Organisation of Islamic Conference (OIC) countries and other trading partners.
The same principle can also be replicated for transactions between individuals and businesses, as in the case of Mutual Credit Clearance and Commercial Trade Exchanges.
Hence, Donovan’s contention that there is not enough gold for it to play any meaningful role does not hold water. It’s the shortage of gold supply that is partly responsible for giving that rare value to gold, for its obsession by humanity and its success as money throughout history, which it lost in 1971 due to political manoeuvring.
Donovan also contends that a gold-based currency system would condemn the world to global deflation. Theoretical reasoning and empirical evidence point just to the opposite. Roy W Jastram of University of California, Berkley, for example, showed the remarkable stability of gold’s purchasing power in a study of the English and American experience covering the period 1560 to 1976 (See Roy W Jastram, The Golden Constant, John Wiley & Sons, 1977).
Another study by the author using recent data also produced similar conclusions. Hence contrary to Donovan’s contention, gold is neither deflationary nor inflationary. Being a neutral currency, that is not a liability of any government, gold is most suited to play a central role in the post-crisis global monetary system.
On the other hand, the rapid production of fiat money by governments — particularly in current recessionary times, as noted by Donovan — is likely to cause serious hyperinflation worldwide. Some economists are nervously watching the US commercial property bubble, which is in the vicinity of US$3 trillion (RM10.4 trillion) , and the humongous derivatives bubble, which some estimates put as high as US$1,000 trillion, as having the potential to create a global financial tsunami of unprecedented scale.
That tsunami, I believe, is not far off and would bring an end to the gold versus fiat money debate and force the world to search and put into place a sustainable monetary system.
Dr Ahamed Kameel Mydin Meera is dean of Institute of Islamic Banking and Finance at International Islamic University Malaysia
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