Making gold a part of everyday life

(From left) Chia and Ng announced the introduction of GoldNow’s new Gold Gifting and Gold Savings features.

GOLD has long been treasured by Malaysians as both a meaningful gift and a trusted store of wealth.

Yet for many families, the high cost of buying physical gold and concerns over safekeeping have made regular gold accumulation difficult.

As more consumers seek smarter ways to preserve purchasing power and build long-term financial resilience, GoldNow by Tomei Group is redefining gold ownership – making it affordable, secure and accessible, while enabling users to save regularly and gift gold digitally for life's meaningful occasions.

With GoldNow’s newly launched Gold Savings function, users can build gold savings through manageable, regular contributions from as low as 0.1g, all within the mobile app.

Whether planning for higher education, a wedding or long-term family goals, users can now allocate funds toward distinct milestones using dedicated gold saving pots.

Inspired by the sentimental nature of gold purchases, Tomei Digital Sdn Bhd chief executive officer Chia Geh Yang said that the app’s savings function appeals to both the rational and emotional sides of its users.

“There is a lot of emotional attachment when you buy a piece of gold jewellery for your loved ones; meanwhile, purchasing gold as an investment appeals to the rational side of the brain as it’s a proven way to hedge against inflation.

“So, we try to find a middle ground; to see how we can make gold holding not only sensible as a way to preserve wealth, but also appeal to someone's aspirations.

“Now, you would have higher confidence that your dream wedding could come true, knowing that you have a tool to save consistently and your gold savings can help to negate the effect of inflation over time.”

To support consistent contributions, the savings feature includes an Auto Debit function. Users can link their credit or debit card and set a recurring monthly payment date to stay disciplined in pursuing their financial goals.

Chia said one of the key aims of the digital gold platform is to encourage the right habit of consistently buying and saving gold through cost averaging, instead of speculating on gold prices.

“Since life's major milestones are typically big-ticket expenses, the effects of inflation can substantially increase the amount required to achieve them over time.

Building a dedicated gold savings pot can help preserve purchasing power and better prepare individuals for these future financial commitments.”

Tomei Consolidated Bhd group managing director Datuk Ng Yih Pyng asserted that gold maintains its bullish momentum, sparking wider interest in accumulating the asset.

Beyond wealth accumulation, the app also aims to bridge financial planning with personal taste by letting users save directly toward specific jewellery designs.

Leveraging Tomei’s rich heritage in fine jewellery, future development of the app will enable users to make small purchases to accumulate gold and seamlessly convert their savings in-store for the finely crafted jewellery the company is known for.

Ng noted that going digital underscores the company’s commitment to elevating customer experience and connecting with a broader audience.

“For us, digital gold is the way forward, especially in appealing to the younger generations.”

“The pandemic has had a big impact on consumer behaviour as our online sales have been on the uptrend since then,” he added on the increasing appeal of online purchases.

“We can see that there is a lot of interest, and what we hope to do is to reach out to more of the public.”

The Syariah-compliant digital gold platform is now a part of Tomei’s extensive ecosystem, which spans jewellery manufacturing, distribution, gemological services, safe deposit vaults and pawnbroking.

Ng said that gold remains a solid inflation hedge and has become particularly popular as an investment asset. — Photo: 123rf.com

Along with the savings feature, GoldNow has also introduced the Gold Gifting feature, offering a seamless process of gifting gold for individuals and corporates alike.

With the gifting minimum starting at just 0.001g, users can gift gold effortlessly without the high upfront costs usually tied to the precious metal.

To solve the common dilemma of choosing the right piece of jewellery for loved ones, users can gift digital gold units instead of physical items. This gives recipients the flexibility to visit a store later on and select a piece they truly desire.

Beyond personal occasions, the feature extends to business rewards. Companies can now use digital gold for corporate incentives, employee recognition and client appreciation. By digitising the process, businesses bypass traditional procurement and shipping hurdles associated with gifting the asset.

“Traditionally, corporate gifting has been a very manual process. The gold voucher space remains manual for many retailers, creating a lot of friction.

“With GoldNow, we are breaking through those constraints by offering clients a seamless digital solution. We hope this empowers corporate clients to make gifting an attractive and effortless practice, whether it’s rewarding employees, recruiting and retaining agents or appreciating their loyal customers,” said Chia.

For more information, visit the GoldNow website .

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（从左至右）Chia 和 Ng 宣布推出 GoldNow 的全新黄金赠送和黄金储蓄功能。

长期以来，黄金一直被马来西亚人视为珍贵的礼物和值得信赖的财富储存手段。

然而，对于许多家庭来说，购买实物黄金的高昂成本以及对保管安全的担忧，使得定期积累黄金变得困难。

随着越来越多的消费者寻求更明智的方式来保住购买力并建立长期的财务韧性，Tomei Group 旗下的 GoldNow 正在重新定义黄金所有权——使其价格合理、安全便捷，同时使用户能够定期储蓄，并在人生中的重要时刻以数字方式赠送黄金。

GoldNow 新推出的黄金储蓄功能，让用户可以通过可控的定期缴款（最低 0.1 克）来积累黄金储蓄，所有操作均可在移动应用程序中完成。

无论是为高等教育、婚礼还是长期的家庭目标做准备，用户现在都可以使用专门的黄金储蓄罐将资金分配给不同的里程碑。

Tomei Digital Sdn Bhd 首席执行官 Chia Geh Yang 表示，受黄金购买的情感因素启发，该应用程序的储蓄功能既能满足用户的理性需求，也能满足用户的感性需求。

“为心爱的人购买黄金首饰时，会融入很多情感；同时，将黄金作为投资品则迎合了理性思维，因为它是一种经过验证的抵御通货膨胀的方法。

“所以，我们试图找到一个折衷方案；看看如何才能使持有黄金不仅成为一种明智的财富保值方式，而且还能满足人们的愿望。

“现在，您更有信心实现您的梦想婚礼，因为您知道自己拥有持续储蓄的工具，而且您的黄金储蓄可以帮助抵消通货膨胀的影响。”

为了鼓励用户持续缴款，储蓄功能包含自动扣款功能。用户可以绑定信用卡或借记卡，并设置每月定期扣款日期，从而更好地实现财务目标。

Chia表示，数字黄金平台的主要目标之一是鼓励人们养成通过成本平均法持续购买和储蓄黄金的正确习惯，而不是投机黄金价格。

“由于人生中的重要里程碑通常都是大笔开支，通货膨胀的影响可能会随着时间的推移大幅增加实现这些里程碑所需的金额。

建立一个专门的黄金储蓄账户可以帮助保住购买力，并让个人更好地为未来的财务承诺做好准备。

Tomei Consolidated Bhd 集团董事总经理拿督吴义平断言，黄金保持着上涨势头，引发了人们对积累这种资产的更广泛兴趣。

除了财富积累之外，该应用程序还旨在将财务规划与个人品味联系起来，让用户可以直接为特定的珠宝设计进行储蓄。

凭借 Tomei 在高级珠宝领域的深厚底蕴，该应用程序的未来发展将使用户能够进行小额购买以积累黄金，并在店内无缝地将储蓄兑换成该公司闻名遐迩的精美珠宝。

吴指出，数字化转型凸显了公司致力于提升客户体验并与更广泛的受众群体建立联系的决心。

“对我们来说，数字黄金是未来的发展方向，尤其是在吸引年轻一代方面。”

“疫情对消费者行为产生了巨大影响，自那以后我们的在线销售额一直呈上升趋势，”他补充道，这解释了在线购物日益增长的吸引力。

“我们可以看出大家对此很感兴趣，我们希望能够接触到更多的公众。”

符合伊斯兰教法的数字黄金平台现在是 Tomei 庞大生态系统的一部分，该生态系统涵盖珠宝制造、分销、宝石学服务、保险库和典当业务。

吴先生表示，黄金仍然是可靠的抗通胀工具，并且作为一种投资资产越来越受欢迎。——图片来源：123rf.com

除了储蓄功能外，GoldNow 还推出了黄金赠送功能，为个人和企业提供便捷的黄金赠送流程。

赠送黄金的最低数量仅为 0.001 克，用户可以轻松赠送黄金，而无需承担通常与这种贵金属相关的高额前期成本。

为了解决为亲朋好友挑选合适珠宝的常见难题，用户可以赠送数字黄金而非实物。这样，收礼人可以稍后前往实体店挑选自己真正心仪的珠宝。

除了个人场合，这项功能也延伸到了商业奖励领域。企业现在可以使用数字黄金进行企业激励、员工表彰和客户感谢。通过数字化流程，企业可以绕过传统礼品赠送过程中繁琐的采购和运输环节。

“传统上，企业礼品赠送一直是一个非常人工的过程。对于许多零售商来说，赠送金券仍然是人工操作，这造成了很多摩擦。”

Chia表示：“通过GoldNow，我们突破了这些限制，为客户提供无缝的数字化解决方案。我们希望这能帮助企业客户将送礼变成一种便捷且有吸引力的方式，无论是奖励员工、招募和留住代理商，还是感谢忠实客户。”

欲了解更多信息，请访问 GoldNow 网站。

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