I used CIMB several years, happy enough.

Silver... Becos of taxes, best to do bigger physical billions, not coins for better spread. If gold rises, silver always follow, with bigger increase.

conventional gold in mbb come with cheaper spread/processing compare to miga?

If you mean physical gold yes provided that you are getting preferred price by certain branch managers

Conventional gold if you wanna buy better off buying direct those reputable dealers 🤦‍♀️ because the banks will add another spread just % is not as high as gold retailers spread

after consolidating for a month or so, gold has turned bullish at $4140.

XAU/USD first resistance would be $4,100, followed by $4,150 and by the last cycle high of $4,245, November’s 13 peak.
https://www.fxstreet.com/news/gold-surges-t...ts-202511241806

various reports say central banks continue to buy gold. And silver too now.
some sovereign and institutional funds buying too.
but retail... only india and china buying, others are selling to cash out on the good prices.

China’s 2025 gold purchases likely 10X higher than the official 25 tons, real total reserve tops 5,000 tons - SocGen
https://www.kitco.com/news/article/2025-11-...tons-real-total
silver is back above $51.

gold
$4145/oz; RM550.53/g

silver
$51.44/oz, RM6.83/g

RM4.13/$; DXY 100.14