Hi bro, capital is not on your side but time is indeed on your side. If i were u, i would not invest gold in maybank due to its high spread rate of 4-5%. I may invest in cimb gold account due to its low spread rate of 2.99%. If u have about 3k and able to fork out rm800/month, then the best is uob gold saving account due to its lowest spread rate of 1.15%. I have already made profit of rm1000 from my uob gold saving account that i've invested 3 weeks ago.

By 3k, I mean u need to fork out roughly rm3k+++ to purchase minimum 20g to open uob gold savings account (1g = rm 172 as of 31 Jan 2012). If you are tight on budget, i would suggest you to invest in cimb gold saving account as u can invest 5g and a subsequent 1g, and due to its low spread rate of 2.99%. I would suggest you to avoid Maybank gold saving account due to its high spread rate. If you dont care about profit maximization, then by all mean please invest at Maybank.