🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 123 (from laksa197)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa123.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.muamalat.com.my/podcast/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.muamalat.com.my/podcast/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/","crawl_time":1775187631,"first_indexed_time":1745411537,"http_code":200,"src_unparsed":"my,com,muamalat!www,\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/ s443","src_root_hash":"18042659223066074123","history_drop_reason":null,"meta_title":"Podcast ApeCer? Episod 2 – Adakah Emas Hanya Untuk Simpanan atau Pelaburan? | Bank Muamalat","meta_descriptions":["Dalam episod ke-2 podcast ApeCer?, kita kupas mitos dan realiti tentang emas — adakah ia hanya untuk simpanan atau juga untuk pelaburan jangka panjang? Pelajari aspek Syariah berkaitan emas, strategi lindung nilai terhadap inflasi, dan tip membeli emas secara sah serta konsisten untuk masa depan kewangan yang berkat."],"attrs_boilerpipe_text":"“\nGaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup\n”.\nBunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui.\nSekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata:\nEmas ni kalis inflasi\nAset paling selamat bila ekonomi tidak menentu\nBoleh jadi penyelamat kewangan bila terdesak\nTapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend?\nORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN\nRakyat Malaysia memang ada sejarah dengan emas.\nDulu → pakai untuk kenduri, simpan untuk anak cucu\nSekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO\n“\nEmas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu\n” – Amin Idris, Penceramah dan Hos TV\nTapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang  perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset.\nSIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN\n“\nEmas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan\n” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\nEmas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula.\nEmas fizikal perlukan tempat simpanan yang selamat.\nEmas digital perlu dilabur melalui platform yang sah dan selamat.\nTanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang.\nLABUR EMAS: MESTI TAHU TUJUAN\nPelaburan emas berlaku apabila kita:\nAda matlamat jangka panjang.\nNak lindung nilai daripada inflasi.\nIngin pelbagaikan simpanan dan aset.\nApa kata Syariah?\nOleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah:\nMengikut harga semasa (spot price)\nBebas unsur riba\nDilakukan dengan pemilikan segera\nHATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM\nEmas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan.\nAntara sebab ramai yang terpedaya:\nJanji keuntungan yang tinggi dalam masa singkat.\nTidak semak latar belakang platform.\nKeliru antara pelaburan emas yang sah dan skim pelaburan palsu.\nSolusi?\nPilih platform yang sah, dipantau dan patuh Syariah.\nContohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10.\n“\nTidak perlu tunggu gaji besar. Yang penting, mula dan konsisten\n” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\nBELAJAR DARI NABI YUSUF A.S\nRasulullah SAW bersabda:\n“\nSesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit\n” (Riwayat al-Bukhari, No. 6465)\nSama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin.\nLihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan.\nIni bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini.\nNAK BELAJAR LEBIH TENTANG EMAS?\nTonton podcast ApeCer? Episod 2!\nDalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat.\n“\nDon’t save what is left after spending. Spend what is left after saving\n” – Warren Buffett\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak.\nJadi, nak tunggu apa lagi?\nAdakah Emas Hanya Untuk Simpanan Atau Pelaburan?\nDiterbitkan pada April 21, 2025\nGaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2.\n#PodcastApeCer\n#KehidupanLebihBaikBersama","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=251597797085930&ev=PageView&noscript=1)\n\n![](https:\/\/www.facebook.com\/tr?id=841059405590683&ev=PageView&noscript=1)\n\n![](https:\/\/www.facebook.com\/tr?id=2291664957779117&ev=PageView%0A&noscript=1)\n\n[Personal](https:\/\/www.muamalat.com.my\/personal\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/)\n- [Basic Savings Account-i (BSA)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/basic-savings-account-i-bsa\/)\n- [Basic Current Account-i (BCA)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/basic-current-account-i-bca\/)\n- [Savings Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/savings-account-i\/)\n- [Current Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/current-account-i\/)\n- [Fixed Term Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/fixed-term-account-i\/)\n- [ELITE Savings Account-i (ESA-i)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/elite-savings-account-i-esa-i\/)\n- [Savings Account Junior Pawket-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/savings-account-junior-pawket-i\/)\n- [Pensioner Savings Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/pensioner-savings-account-i\/)\n- [Save2Win Campaign](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/save2win-campaign\/)\n\n[Business](https:\/\/www.muamalat.com.my\/business\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/banking\/business\/)\n- [MSalary+](https:\/\/www.muamalat.com.my\/banking\/business\/msalary\/)\n- [M-MSME Program](https:\/\/www.muamalat.com.my\/banking\/business\/m-msme-program\/)\n\n[Personal](https:\/\/www.muamalat.com.my\/personal\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/card\/personal\/)\n- [Credit Card-i](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - [Overview](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-notices-declarations-terms\/)\n  - [Visa Platinum-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/bank-muamalat-visa-platinum-i\/)\n  - [Visa Infinite-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/bank-muamalat-visa-infinite-i\/)\n  - [Muamalat Pos Malaysia Visa Platinum-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/pos-malaysia-visa-platinum-i\/)\n  - [Muamalat Pos Malaysia Visa Infinite-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/pos-malaysia-visa-infinite-i\/)\n  - [Muamalat EON Visa Platinum-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/muamalat-eon-visa-platinum-i\/)\n  - [Muamalat EON Visa Infinite-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/muamalat-eon-visa-infinite-i\/)\n  - [Muamalat AmanahRaya Visa Platinum-i](https:\/\/www.muamalat.com.my\/card\/personal\/credit-card-i\/muamalat-amanahraya-visa-platinum-i\/)\n- [Debit Card-i](https:\/\/www.muamalat.com.my\/card\/personal\/debit-card-i\/)\n- [Google Pay](https:\/\/www.muamalat.com.my\/card\/personal\/google-pay\/)\n- [Samsung Pay](https:\/\/www.muamalat.com.my\/card\/personal\/samsung-pay\/)\n- [Click to Pay](https:\/\/www.muamalat.com.my\/card\/personal\/click-to-pay\/)\n- [Promotions](https:\/\/www.muamalat.com.my\/promotions\/card\/)\n\n[Business](https:\/\/www.muamalat.com.my\/business\/)\n\n- [Merchant Business](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - [Overview](https:\/\/www.muamalat.com.my\/card\/business\/merchant-business\/)\n  - [ePOS Terminal](https:\/\/www.muamalat.com.my\/card\/business\/merchant-business\/epos-terminal\/)\n  - [MyDebit Cash Out](https:\/\/www.muamalat.com.my\/card\/business\/merchant-business\/mydebit-cash-out\/)\n  - [E-Commerce](https:\/\/www.muamalat.com.my\/card\/business\/merchant-business\/e-commerce\/)\n- [Credit Card-i](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - [Visa Platinum Business Credit Card-i](https:\/\/www.muamalat.com.my\/card\/business\/business-credit-card-i\/visa-platinum-business-credit-card-i\/)\n  - [Visa Infinite Business Credit Card-i](https:\/\/www.muamalat.com.my\/card\/business\/business-credit-card-i\/visa-infinite-business-credit-card-i\/)\n  - [Muamalat CGC Visa Platinum Business Credit Card-i](https:\/\/www.muamalat.com.my\/card\/business\/business-credit-card-i\/muamalat-cgc-visa-platinum-business-credit-card-i\/)\n- [Muamalat SME Business  Debit Card-i](https:\/\/www.muamalat.com.my\/card\/business\/business-credit-card-i\/muamalat-sme-business-debit-card-i\/)\n\n[Personal](https:\/\/www.muamalat.com.my\/personal\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/)\n- [Ar Rahnu](https:\/\/www.muamalat.com.my\/financing\/personal\/ar-rahnu\/)\n  - [Muamalat Pajak Gadai Islam  (Ar Rahnu)](https:\/\/www.muamalat.com.my\/financing\/personal\/ar-rahnu\/ar-rahnu-islamic-pawn-broking-tawarruq\/)\n  - [Muamalat Pajak Gadai Islam  (Ar Rahnu PRESTIGE)](https:\/\/www.muamalat.com.my\/financing\/personal\/ar-rahnu\/ar-rahnu-prestige-islamic-pawn-broking-tawarruq\/)\n  - [Muamalat Pajak Gadai Islam  (Ar Rahnu BIZ)](https:\/\/www.muamalat.com.my\/financing\/personal\/ar-rahnu\/muamalat-pajak-gadai-islam-ar-rahnu-biz\/)\n- [Personal Financing](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - [Overview](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/personal-financing-i\/)\n  - [Cash-i SMART](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-smart\/)\n  - [Cash-i Muamalat](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-muamalat\/)\n  - [Cash-i Muamalat Pro](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-muamalat-pro\/)\n  - [Cash-i Muamalat Debt Management](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-muamalat-debt-management\/)\n  - [Cash-i Muamalat Motorcycle](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-muamalat-motorcycle\/)\n  - [Cash-i Muamalat Premier](https:\/\/www.muamalat.com.my\/financing\/personal\/personal-financing\/cash-i-muamalat-premier\/)\n- [Mortgage](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - [Home Financing](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/)\n    - [SMART Mortgage HOME](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-home\/)\n    - [SMART Mortgage EEP](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-eep\/)\n    - [SMART Mortgage FLEXI](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-flexi\/)\n    - [SMART Mortgage Solution](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-solution\/)\n    - [SMART Mortgage SJKP](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-sjkp\/)\n    - [SMART Mortgage Professionals](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-professionals\/)\n    - [SMART Mortgage LPPSA](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-lppsa\/)\n    - [SMART Mortgage Skim Rumah Pertamaku PLUS](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-skim-rumah-pertamaku-plus\/)\n    - [SMART Mortgage PLUS Prihatin](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-plus-prihatin\/)\n    - [SMART Mortgage Green PLUS](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/home-financing\/smart-mortgage-green-plus\/)\n  - [Shophouse Financing](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/shophouse-financing\/)\n    - [SMART Mortgage Shophouse Financing-i](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/shophouse-financing\/smart-mortgage-shophouse-financing-i\/)\n    - [SMART Mortgage FLEXI Shophouse Financing-i](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/shophouse-financing\/smart-mortgage-flexi-shophouse-financing-i\/)\n  - [Land Financing](https:\/\/www.muamalat.com.my\/financing\/personal\/mortgage\/land-financing\/)\n- [Auto](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/)\n  - [Muamalat Auto-Grad Scheme](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-auto-grad-scheme\/)\n  - [Muamalat Big Bike Financing-i](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-big-bike-financing-i\/)\n  - [Muamalat Government Scheme](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-government-scheme\/)\n  - [Muamalat Step-Up Auto Financing-i](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-step-up-auto-financing-i\/)\n  - [Muamalat Structured Vehicle Financing-i](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-structured-vehicle-financing-i\/)\n  - [Muamalat Vehicle Financing-i (MPO)](https:\/\/www.muamalat.com.my\/financing\/personal\/auto\/muamalat-vehicle-financing-i-mpo\/)\n- [Cashline Facility](https:\/\/www.muamalat.com.my\/financing\/personal\/cashline-facility\/)\n- [Eco Green](https:\/\/www.muamalat.com.my\/financing\/personal\/eco-green\/)\n  - [Solar Panel](https:\/\/www.muamalat.com.my\/financing\/personal\/eco-green\/solar-panel\/)\n  - [Battery Energy Storage System (BESS)](https:\/\/www.muamalat.com.my\/financing\/personal\/eco-green\/battery-energy-storage-system-bess\/)\n  - [Electric Vehicle (EV) Charger Box](https:\/\/www.muamalat.com.my\/financing\/personal\/eco-green\/electric-vehicle-ev-charger-box\/)\n  - [Electric Vehicle (EV)](https:\/\/www.muamalat.com.my\/financing\/personal\/eco-green\/electric-vehicle-ev\/)\n- [Amanah Saham Bumiputera (ASB) \/ Amanah Saham Bumiputera 2 (ASB2)](https:\/\/www.muamalat.com.my\/financing\/personal\/asb-berjangka-i\/)\n\n[Business](https:\/\/www.muamalat.com.my\/business\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/financing\/business\/)\n- [Financing Product](https:\/\/www.muamalat.com.my\/financing\/business\/financing-product\/)\n  - [Muamalat Cashline-i Facility (MCash)](https:\/\/www.muamalat.com.my\/financing\/business\/financing-product\/muamalat-cashline-i-facility-mcash\/)\n  - [Muamalat Revolving Financing-i (MRF)](https:\/\/www.muamalat.com.my\/financing\/business\/financing-product\/muamalat-revolving-financing-i-mrf\/)\n  - [Muamalat Al-Ijarah](https:\/\/www.muamalat.com.my\/financing\/business\/financing-product\/muamalat-al-ijarah\/)\n  - [Muamalat Murabahah Tawarruq Financing](https:\/\/www.muamalat.com.my\/financing\/business\/financing-product\/muamalat-murabahah-tawarruq-financing\/)\n- [Trade Finance Products](https:\/\/www.muamalat.com.my\/financing\/business\/trade-finance-products\/)\n  - [Accepted Bills-i (AB-i)](https:\/\/www.muamalat.com.my\/financing\/business\/trade-finance-products\/accepted-bills-i-ab-i\/)\n  - [Al Kafalah Bank Guarantee (KBG)](https:\/\/www.muamalat.com.my\/financing\/business\/trade-finance-products\/al-kafalah-bank-guarantee-kbg\/)\n  - [Al Kafalah Shipping Guarantee (KSG)](https:\/\/www.muamalat.com.my\/financing\/business\/trade-finance-products\/al-kafalah-shipping-guarantee-ksg\/)\n  - 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[Merdeka](https:\/\/www.muamalat.com.my\/muamalatcares\/festive\/merdeka\/)\n- [Wakaf Muamalat](https:\/\/www.muamalat.com.my\/wakafmuamalat\/)\n- [Cilik Celik Bersama Ringgit Rayyan](https:\/\/www.muamalat.com.my\/muamalatcares\/cilik-celik-bersama-ringgit-rayyan\/)\n\n- Foreign Exchange\n- Ar Rahnu\n- Gold Price\n\n|   |   |   |\n|---|---|---|\n| Currency | Sell | Buy |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-aussie-dollar.svg) AUD | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-brunei.svg) BND | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-canadian.svg) CAD | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-swiss.svg) CHF | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-euro.svg) EUR | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-pound-sterling.svg) GBP | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-new-zealand.svg) NZD | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-sg.svg) SGD | 0\\.00 | 0\\.00 |\n| ![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2023\/10\/Ellipse-usa.svg) USD | 0\\.00 | 0\\.00 |\n| Updated on 24\/01\/2024 9:15 am [More currencies](https:\/\/www.muamalat.com.my\/services\/business\/treasury-capital-markets\/foreign-exchange\/) |   |   |\n\n|   |   |\n|---|---|\n| Gold Standard | Price per gram (RM) |\n| 750 | 525\\.63 |\n| 835 | 585\\.20 |\n| 875 | 613\\.24 |\n| 916 | 641\\.97 |\n| 950 | 665\\.80 |\n| 999 | 700\\.14 |\n| Updated on 03\/04\/2026 9:00 am | [More details](https:\/\/www.muamalat.com.my\/financing\/personal\/ar-rahnu\/ar-rahnu-islamic-pawn-broking-tawarruq\/) |\n\n[Ar Rahnu Calculator](https:\/\/arrahnuauction.muamalat.com.my\/ar-rahnu-calculator\/)\n\n|   |   |   |\n|---|---|---|\n| Secure Your Future Wealth with Gold Today.  Perth Mint 99.99% Gold Minted Bar\/Account Price: |   |   |\n| Product Type | Bank Sell | Bank Buy |\n| Account | 649\\.95 | 604\\.39 |\n| Physical | 672\\.73 | 604\\.39 |\n| EasiGold *(Less than RM15,000)* | 618\\.482 | 611\\.56 |\n| EasiGold *(RM15,000 and more)* | 617\\.482 | 612\\.56 |\n| (\\*Prices published are per gram and for reference only. Click [RM and Gold Weightage Table](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/) to view listing of gold amount purchased per RM10 value)  \\*At selected branches only \\* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store |   |   |\n| Updated on 03\/04\/2026 9:30 am | [More details](https:\/\/www.muamalat.com.my\/investment\/personal\/wealth-creation-accumulation\/) |   |\n\n[Close]()\n\n- [About Us](https:\/\/www.muamalat.com.my\/about-us\/)\n- [Campaigns](https:\/\/www.muamalat.com.my\/campaigns\/)\n- [Promotions](https:\/\/www.muamalat.com.my\/promotions\/)\n- [Publications](https:\/\/www.muamalat.com.my\/publications\/)\n- [Fees & Charges](https:\/\/www.muamalat.com.my\/fees-charges\/deposit\/)\n- [Careers](https:\/\/www.muamalat.com.my\/careers\/)\n\n[Apply Now](https:\/\/map.muamalat.com.my\/)\n\n[Contact Us]()\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/icon-branches.svg)](https:\/\/www.muamalat.com.my\/branches\/)\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/iBiz-M-login.png)](https:\/\/www.muamalat.com.my\/services\/business\/ibiz-muamalat\/) [![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/i-M-login2.png)](https:\/\/www.i-muamalat.com.my\/rib\/index.do)\n\nEN\n\nBM\n\nEN\n\nBM\n\nBanking\n\n[Personal](https:\/\/www.muamalat.com.my\/personal\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/)\n- [Basic Savings Account-i (BSA)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/basic-savings-account-i-bsa\/)\n- [Basic Current Account-i (BCA)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/basic-current-account-i-bca\/)\n- [Savings Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/savings-account-i\/)\n- [Current Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/current-account-i\/)\n- [Fixed Term Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/fixed-term-account-i\/)\n- [ELITE Savings Account-i (ESA-i)](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/elite-savings-account-i-esa-i\/)\n- [Savings Account Junior Pawket-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/savings-account-junior-pawket-i\/)\n- [Pensioner Savings Account-i](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/pensioner-savings-account-i\/)\n- [Save2Win Campaign](https:\/\/www.muamalat.com.my\/banking\/personal-banking\/save2win-campaign\/)\n\n[Business](https:\/\/www.muamalat.com.my\/business\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/banking\/business\/)\n- [MSalary+](https:\/\/www.muamalat.com.my\/banking\/business\/msalary\/)\n- [M-MSME Program](https:\/\/www.muamalat.com.my\/banking\/business\/m-msme-program\/)\n\nCard\n\n[Personal](https:\/\/www.muamalat.com.my\/personal\/)\n\n- [Overview](https:\/\/www.muamalat.com.my\/card\/personal\/)\n- [Credit Card-i](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/)\n  - 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Perth Mint 99.99% Gold Minted Bar\/Account Price: |   |   |\n| Product Type | Bank Sell | Bank Buy |\n| Account | 649\\.95 | 604\\.39 |\n| Physical | 672\\.73 | 604\\.39 |\n| EasiGold *(Less than RM15,000)* | 618\\.482 | 611\\.56 |\n| EasiGold *(RM15,000 and more)* | 617\\.482 | 612\\.56 |\n| (\\*Prices published are per gram and for reference only. Click [RM and Gold Weightage Table](https:\/\/www.muamalat.com.my\/podcast\/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan\/) to view listing of gold amount purchased per RM10 value)  \\*At selected branches only \\* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store |   |   |\n| Updated on 03\/04\/2026 9:30 am | [More details](https:\/\/www.muamalat.com.my\/investment\/personal\/wealth-creation-accumulation\/) |   |\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/logo.png)](https:\/\/www.muamalat.com.my\/)\n\n[Apply Now](https:\/\/map.muamalat.com.my\/)\n\n- [Banking](https:\/\/www.muamalat.com.my\/banking\/)\n- [Card](https:\/\/www.muamalat.com.my\/card\/)\n- [Financing](https:\/\/www.muamalat.com.my\/financing\/)\n- [Investment](https:\/\/www.muamalat.com.my\/investment\/)\n- [Services](https:\/\/www.muamalat.com.my\/services\/)\n- [\\#MuamalatCares](https:\/\/www.muamalat.com.my\/muamalatcares\/)\n\n![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/icon-search-orange.svg)\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/i-M-login2.png)](https:\/\/www.i-muamalat.com.my\/rib\/index.do)\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/iBiz-M-login.png)](https:\/\/www.muamalat.com.my\/services\/business\/ibiz-muamalat\/)\n\nEN\n\nBM\n\nEN\n\nBM\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/logo.png)](https:\/\/www.muamalat.com.my\/)\n\n[Contact Us]()\n\n[![](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/icon-pin.svg)](https:\/\/www.muamalat.com.my\/branches\/)\n\nClose\n\nClose\n\n![delete](https:\/\/www.muamalat.com.my\/wp-content\/themes\/bmm2023\/img\/icon-close.svg)\n\n[Podcast](https:\/\/www.muamalat.com.my\/publications\/podcast\/)\n\n# Episod 2 : ADAKAH EMAS HANYA UNTUK SIMPANAN ATAU PELABURAN?\n![](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2025\/04\/Simpan-atau-invest-the-hard-truth-about-money.jpg)\n\n“*Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup*”.\n\nBunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui.\n\nSekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata:\n\n- Emas ni kalis inflasi\n- Aset paling selamat bila ekonomi tidak menentu\n- Boleh jadi penyelamat kewangan bila terdesak\n\n**Tapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend?**\n\n**ORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN**\n\nRakyat Malaysia memang ada sejarah dengan emas.\n\n- Dulu → pakai untuk kenduri, simpan untuk anak cucu\n- Sekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO\n\n![Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\\<](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2025\/03\/Episod-2-Adakah-Emas-Hanya-Untuk-Simpanan-Atau-Pelaburan.jpg)\n\n“*Emas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu*” – Amin Idris, Penceramah dan Hos TV\n\nTapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset.\n\n**SIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN**\n\n“*Emas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan*” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\n\n- Emas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula.\n- Emas fizikal perlukan tempat simpanan yang selamat.\n- Emas digital perlu dilabur melalui platform yang sah dan selamat.\n\nTanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang.\n\n**LABUR EMAS: MESTI TAHU TUJUAN**\n\nPelaburan emas berlaku apabila kita:\n\n- Ada matlamat jangka panjang.\n- Nak lindung nilai daripada inflasi.\n- Ingin pelbagaikan simpanan dan aset.\n\n**Apa kata Syariah?**  \n Oleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah:\n\n- Mengikut harga semasa (spot price)\n- Bebas unsur riba\n- Dilakukan dengan pemilikan segera\n\n**HATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM**\n\nEmas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan.\n\nAntara sebab ramai yang terpedaya:\n\n- Janji keuntungan yang tinggi dalam masa singkat.\n- Tidak semak latar belakang platform.\n- Keliru antara pelaburan emas yang sah dan skim pelaburan palsu.\n\n**Solusi?**  \n Pilih platform yang sah, dipantau dan patuh Syariah.\n\nContohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10.\n\n“*Tidak perlu tunggu gaji besar. Yang penting, mula dan konsisten*” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\n\n**BELAJAR DARI NABI YUSUF A.S**\n\nRasulullah SAW bersabda:  \n “*Sesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit*” (Riwayat al-Bukhari, No. 6465)\n\nSama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin.\n\nLihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan.\n\nIni bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini.\n\n**NAK BELAJAR LEBIH TENTANG EMAS?**\n\n**Tonton podcast ApeCer? Episod 2\\!**\n\nDalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat.\n\n“*Don’t save what is left after spending. Spend what is left after saving*” – Warren Buffett\n\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak.\n\nJadi, nak tunggu apa lagi?\n\n##### Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\nDiterbitkan pada April 21, 2025\n\nGaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup\n\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2.\n\n\\#PodcastApeCer  \n \\#KehidupanLebihBaikBersama\n***\n\n### Find a Bank Muamalat branch nearby\n[Locate Our 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**Bank Muamalat Malaysia Berhad Contact Center**\n- For assistance, call our Customer Care Line at [**\\+603-2600 5500**](tel:+60326005500) (local\/International)\n- For scam-related issues, contact our Scam Hotline at [**\\+603 2615 8000**](tel:+60326158000)\n- For more information, visit our [**Contact Us**](https:\/\/www.muamalat.com.my\/contact-us\/feedback) page\n\n|   |   |   |   |   |\n|---|---|---|---|---|\n| AUSTRALIAN DOLLAR | AUD | 2\\.867000 | 2\\.708000 | 2\\.692000 |\n| BRUNEI DOLLAR | BND | 3\\.245000 | 3\\.054000 | 3\\.043000 |\n| CANADIAN DOLLAR | CAD | 2\\.950000 | 2\\.843000 | 2\\.826000 |\n| SWISS FRANC | CHF | 5\\.167000 | 4\\.939000 | 4\\.921000 |\n| EURO | EUR | 4\\.809000 | 4\\.539000 | 4\\.517000 |\n| STERLING POUND | GBP | 5\\.477000 | 5\\.231000 | 5\\.222000 |\n| NEW ZEALAND DOLLAR | NZD | 2\\.425000 | 2\\.249000 | 2\\.234000 |\n| SINGAPORE DOLLAR | SGD | 3\\.245000 | 3\\.054000 | 3\\.053000 |\n| UNITED STATES DOLLAR | USD | 4\\.151000 | 3\\.924000 | 3\\.907000 |\n\n2026-04-03 08:36:39","attrs_readable_markdown":"“*Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup*”.\n\nBunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui.\n\nSekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata:\n\n- Emas ni kalis inflasi\n- Aset paling selamat bila ekonomi tidak menentu\n- Boleh jadi penyelamat kewangan bila terdesak\n\n**Tapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend?**\n\n**ORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN**\n\nRakyat Malaysia memang ada sejarah dengan emas.\n\n- Dulu → pakai untuk kenduri, simpan untuk anak cucu\n- Sekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO\n\n![Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\\<](https:\/\/www.muamalat.com.my\/wp-content\/uploads\/2025\/03\/Episod-2-Adakah-Emas-Hanya-Untuk-Simpanan-Atau-Pelaburan.jpg)\n\n“*Emas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu*” – Amin Idris, Penceramah dan Hos TV\n\nTapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset.\n\n**SIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN**\n\n“*Emas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan*” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\n\n- Emas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula.\n- Emas fizikal perlukan tempat simpanan yang selamat.\n- Emas digital perlu dilabur melalui platform yang sah dan selamat.\n\nTanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang.\n\n**LABUR EMAS: MESTI TAHU TUJUAN**\n\nPelaburan emas berlaku apabila kita:\n\n- Ada matlamat jangka panjang.\n- Nak lindung nilai daripada inflasi.\n- Ingin pelbagaikan simpanan dan aset.\n\n**Apa kata Syariah?**  \n Oleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah:\n\n- Mengikut harga semasa (spot price)\n- Bebas unsur riba\n- Dilakukan dengan pemilikan segera\n\n**HATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM**\n\nEmas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan.\n\nAntara sebab ramai yang terpedaya:\n\n- Janji keuntungan yang tinggi dalam masa singkat.\n- Tidak semak latar belakang platform.\n- Keliru antara pelaburan emas yang sah dan skim pelaburan palsu.\n\n**Solusi?**  \n Pilih platform yang sah, dipantau dan patuh Syariah.\n\nContohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10.\n\n“*Tidak perlu tunggu gaji besar. Yang penting, mula dan konsisten*” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat\n\n**BELAJAR DARI NABI YUSUF A.S**\n\nRasulullah SAW bersabda:  \n “*Sesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit*” (Riwayat al-Bukhari, No. 6465)\n\nSama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin.\n\nLihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan.\n\nIni bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini.\n\n**NAK BELAJAR LEBIH TENTANG EMAS?**\n\n**Tonton podcast ApeCer? Episod 2\\!**\n\nDalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat.\n\n“*Don’t save what is left after spending. Spend what is left after saving*” – Warren Buffett\n\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak.\n\nJadi, nak tunggu apa lagi?\n\n##### Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\nDiterbitkan pada April 21, 2025\n\nGaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup\n\nKalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2.\n\n\\#PodcastApeCer  \n \\#KehidupanLebihBaikBersama","meta_canonical":null}

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Property	Value
URL	https://www.muamalat.com.my/podcast/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan/
Last Crawled	2026-04-03 03:40:31 (3 days ago)
First Indexed	2025-04-23 12:32:17 (11 months ago)
HTTP Status Code	200
Meta Title	Podcast ApeCer? Episod 2 – Adakah Emas Hanya Untuk Simpanan atau Pelaburan? \| Bank Muamalat
Meta Description	Dalam episod ke-2 podcast ApeCer?, kita kupas mitos dan realiti tentang emas — adakah ia hanya untuk simpanan atau juga untuk pelaburan jangka panjang? Pelajari aspek Syariah berkaitan emas, strategi lindung nilai terhadap inflasi, dan tip membeli emas secara sah serta konsisten untuk masa depan kewangan yang berkat.
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Boilerpipe Text	“ Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup ”. Bunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui. Sekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata: Emas ni kalis inflasi Aset paling selamat bila ekonomi tidak menentu Boleh jadi penyelamat kewangan bila terdesak Tapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend? ORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN Rakyat Malaysia memang ada sejarah dengan emas. Dulu → pakai untuk kenduri, simpan untuk anak cucu Sekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO “ Emas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu ” – Amin Idris, Penceramah dan Hos TV Tapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset. SIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN “ Emas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan ” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat Emas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula. Emas fizikal perlukan tempat simpanan yang selamat. Emas digital perlu dilabur melalui platform yang sah dan selamat. Tanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang. LABUR EMAS: MESTI TAHU TUJUAN Pelaburan emas berlaku apabila kita: Ada matlamat jangka panjang. Nak lindung nilai daripada inflasi. Ingin pelbagaikan simpanan dan aset. Apa kata Syariah? Oleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah: Mengikut harga semasa (spot price) Bebas unsur riba Dilakukan dengan pemilikan segera HATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM Emas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan. Antara sebab ramai yang terpedaya: Janji keuntungan yang tinggi dalam masa singkat. Tidak semak latar belakang platform. Keliru antara pelaburan emas yang sah dan skim pelaburan palsu. Solusi? Pilih platform yang sah, dipantau dan patuh Syariah. Contohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10. “ Tidak perlu tunggu gaji besar. Yang penting, mula dan konsisten ” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat BELAJAR DARI NABI YUSUF A.S Rasulullah SAW bersabda: “ Sesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit ” (Riwayat al-Bukhari, No. 6465) Sama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin. Lihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan. Ini bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini. NAK BELAJAR LEBIH TENTANG EMAS? Tonton podcast ApeCer? Episod 2! Dalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat. “ Don’t save what is left after spending. Spend what is left after saving ” – Warren Buffett Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak. Jadi, nak tunggu apa lagi? Adakah Emas Hanya Untuk Simpanan Atau Pelaburan? Diterbitkan pada April 21, 2025 Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2. #PodcastApeCer #KehidupanLebihBaikBersama
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Perth Mint 99.99% Gold Minted Bar/Account Price: \| \| \| \| Product Type \| Bank Sell \| Bank Buy \| \| Account \| 649\.95 \| 604\.39 \| \| Physical \| 672\.73 \| 604\.39 \| \| EasiGold (Less than RM15,000) \| 618\.482 \| 611\.56 \| \| EasiGold (RM15,000 and more) \| 617\.482 \| 612\.56 \| \| (\Prices published are per gram and for reference only. Click [RM and Gold Weightage Table](https://www.muamalat.com.my/podcast/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan/) to view listing of gold amount purchased per RM10 value) \At selected branches only \* EasiGold price is indicative and subject to change without notice. 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[SMART Mortgage FLEXI Shophouse Financing-i](https://www.muamalat.com.my/financing/personal/mortgage/shophouse-financing/smart-mortgage-flexi-shophouse-financing-i/) - [Land Financing](https://www.muamalat.com.my/financing/personal/mortgage/land-financing/) - [Auto](https://www.muamalat.com.my/financing/personal/auto/) - [Muamalat Auto-Grad Scheme](https://www.muamalat.com.my/financing/personal/auto/muamalat-auto-grad-scheme/) - [Muamalat Big Bike Financing-i](https://www.muamalat.com.my/financing/personal/auto/muamalat-big-bike-financing-i/) - [Muamalat Government Scheme](https://www.muamalat.com.my/financing/personal/auto/muamalat-government-scheme/) - [Muamalat Step-Up Auto Financing-i](https://www.muamalat.com.my/financing/personal/auto/muamalat-step-up-auto-financing-i/) - [Muamalat Structured Vehicle Financing-i](https://www.muamalat.com.my/financing/personal/auto/muamalat-structured-vehicle-financing-i/) - [Muamalat Vehicle Financing-i (MPO)](https://www.muamalat.com.my/financing/personal/auto/muamalat-vehicle-financing-i-mpo/) - [Cashline Facility](https://www.muamalat.com.my/financing/personal/cashline-facility/) - [Eco Green](https://www.muamalat.com.my/financing/personal/eco-green/) - [Solar Panel](https://www.muamalat.com.my/financing/personal/eco-green/solar-panel/) - [Battery Energy Storage System (BESS)](https://www.muamalat.com.my/financing/personal/eco-green/battery-energy-storage-system-bess/) - [Electric Vehicle (EV) Charger Box](https://www.muamalat.com.my/financing/personal/eco-green/electric-vehicle-ev-charger-box/) - [Electric Vehicle (EV)](https://www.muamalat.com.my/financing/personal/eco-green/electric-vehicle-ev/) - [Amanah Saham Bumiputera (ASB) / Amanah Saham Bumiputera 2 (ASB2)](https://www.muamalat.com.my/financing/personal/asb-berjangka-i/) [Business](https://www.muamalat.com.my/business/) - [Overview](https://www.muamalat.com.my/financing/business/) - [Financing Product](https://www.muamalat.com.my/financing/business/financing-product/) - [Muamalat Cashline-i Facility (MCash)](https://www.muamalat.com.my/financing/business/financing-product/muamalat-cashline-i-facility-mcash/) - [Muamalat Revolving Financing-i (MRF)](https://www.muamalat.com.my/financing/business/financing-product/muamalat-revolving-financing-i-mrf/) - [Muamalat Al-Ijarah](https://www.muamalat.com.my/financing/business/financing-product/muamalat-al-ijarah/) - [Muamalat Murabahah Tawarruq Financing](https://www.muamalat.com.my/financing/business/financing-product/muamalat-murabahah-tawarruq-financing/) - [Trade Finance Products](https://www.muamalat.com.my/financing/business/trade-finance-products/) - [Accepted Bills-i (AB-i)](https://www.muamalat.com.my/financing/business/trade-finance-products/accepted-bills-i-ab-i/) - [Al Kafalah Bank Guarantee (KBG)](https://www.muamalat.com.my/financing/business/trade-finance-products/al-kafalah-bank-guarantee-kbg/) - [Al Kafalah Shipping Guarantee (KSG)](https://www.muamalat.com.my/financing/business/trade-finance-products/al-kafalah-shipping-guarantee-ksg/) - [Bai’ Al Dayn Working Financing-i (BWCF)](https://www.muamalat.com.my/financing/business/trade-finance-products/bai-al-dayn-working-financing-i-bwcf/) - [Export Credit Refinancing (ECR-i)](https://www.muamalat.com.my/financing/business/trade-finance-products/export-credit-refinancing-ecr-i/) - [Foreign/Domestic Bill of Exchange Purchase-i (Authority to Purchase)](https://www.muamalat.com.my/financing/business/trade-finance-products/foreign-domestic-bill-of-exchange-purchase-i-authority-to-purchase/) - [Foreign/Domestic Bill of Exchange Purchase-i (Documentary)](https://www.muamalat.com.my/financing/business/trade-finance-products/foreign-domestic-bill-of-exchange-purchase-i-documentary/) - [Foreign/Domestic Inward Bill for Collection-i (FIBC-i/DIBC-i)](https://www.muamalat.com.my/financing/business/trade-finance-products/foreign-domestic-inward-bill-for-collection-i-fibc-i-dibc-i/) - [Foreign/Domestic Outward Bill for Collection-i (FOBC-i/DOBC-i)](https://www.muamalat.com.my/financing/business/trade-finance-products/foreign-domestic-outward-bill-for-collection-i-fobc-i-dobc-i/) - [Letter of Credit-i (LC-i/DC)](https://www.muamalat.com.my/financing/business/trade-finance-products/letter-of-credit-i-lc-i-dc/) - [Murabahah Working Capital Financing-i (MWCF)](https://www.muamalat.com.my/financing/business/trade-finance-products/murabahah-working-capital-financing-i-mwcf/) - [SME Financing](https://www.muamalat.com.my/financing/business/sme-financing/) - [Bank Negara Funds SMEs](https://www.muamalat.com.my/financing/business/sme-financing/bank-negara-funds-smes/) - [Commercial Property Financing – SME](https://www.muamalat.com.my/financing/business/sme-financing/commercial-property-financing-sme/) - [Government Guarantee Scheme Madani – SME](https://www.muamalat.com.my/financing/business/sme-financing/government-guarantee-scheme-madani-sme/) - [Proton Dealer Financing Program](https://www.muamalat.com.my/financing/business/sme-financing/proton-dealer-financing-program/) - [PEMULIH Government Guarantee Scheme – SME](https://www.muamalat.com.my/financing/business/sme-financing/pemulih-government-guarantee-scheme-sme/) - [Vendor Financing Program/Contract Financing – SME](https://www.muamalat.com.my/financing/business/sme-financing/vendor-financing-program-contract-financing-sme/) - [Commercial Banking](https://www.muamalat.com.my/financing/business/commercial-banking/) - [Muamalat Hire Purchase-i Financing](https://www.muamalat.com.my/financing/business/commercial-banking/muamalat-hire-purchase-i-financing/) - [Muamalat Industrial Hire Purchase-i Financing](https://www.muamalat.com.my/financing/business/commercial-banking/muamalat-industrial-hire-purchase-i-financing/) - [Skim Jaminan Mara (SJUM)](https://www.muamalat.com.my/financing/business/commercial-banking/skim-jaminan-mara-sjum/) - [High Tech and Green Facility (HTG)](https://www.muamalat.com.my/financing/business/commercial-banking/high-tech-and-green-facility-htg/) - [All Economics Sector (AES)](https://www.muamalat.com.my/financing/business/commercial-banking/all-economics-sector-aes/) - [Vendor Financing Program (VFP)](https://www.muamalat.com.my/financing/business/commercial-banking/vendor-financing-program-vfp/) - [Commercial Property Financing (CPF)](https://www.muamalat.com.my/financing/business/commercial-banking/commercial-property-financing-cpf/) Investment [Personal](https://www.muamalat.com.my/personal/) - [Overview](https://www.muamalat.com.my/investment/personal/) - [Investment Account](https://www.muamalat.com.my/investment/personal/investment-account/) - [Mudarabah Unrestricted Investment Account (SURIA)](https://www.muamalat.com.my/investment/personal/investment-account/suria/) - [Term Investment Account-i (TIA-i)](https://www.muamalat.com.my/investment/personal/investment-account/term-investment-account-i-tia-i/) - [Wealth Creation/Accumulation](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/) - [Gold-i](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/gold-i/) - [e-Unit Trust](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/e-unit-trust/) - [ASNB](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/asnb/) - [ESG Investment](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/esg-investment/) - [Private Managed Account](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/private-managed-account/) - [iFast Barakah ESG Focus Portfolio](https://www.muamalat.com.my/investment/personal/ifast-barakah-esg-focus-portfolio/) - [Islamic Wealth Management Lifecycle](https://www.muamalat.com.my/investment/personal/islamic-wealth-management-lifecycle/) - [Wealth Distribution](https://www.muamalat.com.my/investment/personal/wealth-distribution/) - [As-Salihin Islamic Estate Planning](https://www.muamalat.com.my/investment/personal/wealth-distribution/as-salihin-islamic-estate-planning/) - [Amanah Raya Berhad – Will](https://www.muamalat.com.my/investment/personal/wealth-distribution/amanah-raya-berhad-wasiat/) - [Amanah Warisan Berhad (AWARIS) Islamic & Conventional Will Writing](https://www.muamalat.com.my/investment/personal/wealth-distribution/amanah-warisan-berhad-awaris-islamic-conventional-will-writing/) - [MyAngkasa Amanah Berhad (MAAB)](https://www.muamalat.com.my/investment/personal/wealth-distribution/myangkasa-amanah-berhad-maab/) - [Wasiat](https://www.muamalat.com.my/investment/personal/wealth-distribution/wasiat/) - [Declaration of Jointly Acquired Asset](https://www.muamalat.com.my/investment/personal/wealth-distribution/declaration-of-jointly-acquired-asset/) - [Pri-Warisan (Estate Administration Service Package)](https://www.muamalat.com.my/investment/personal/wealth-distribution/pri-warisan-estate-administration-service-package/) - [Pri-TI (Takaful/Insurance Trust)](https://www.muamalat.com.my/investment/personal/wealth-distribution/pri-ti-takaful-insurance-trust/) - [Pri-Emas (Golden Age Trust)](https://www.muamalat.com.my/investment/personal/wealth-distribution/pri-emas-golden-age-trust/) - [Islamic Estate Administration](https://www.muamalat.com.my/investment/personal/wealth-distribution/islamic-estate-administration/) - [Wealth Protection](https://www.muamalat.com.my/investment/personal/wealth-protection/) [Business](https://www.muamalat.com.my/business/) - [Overview](https://www.muamalat.com.my/investment/business/) - [Treasury & Capital Markets](https://www.muamalat.com.my/investment/business/treasury-capital-markets/) - [Bank Negara Monetary Notes-i (BNMN-i)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/bank-negara-monetary-notes-i-bnmn-i/) - [Cagamas Bonds](https://www.muamalat.com.my/investment/business/treasury-capital-markets/cagamas-bonds/) - [Government Investment Issue (GII)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/government-investment-issue-gii/) - [Islamic Commercial Papers (ICPs)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/islamic-commercial-papers-icps/) - [Islamic Private Debt Securities (PDS)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/islamic-private-debt-securities-pds/) - [Khazanah Bonds](https://www.muamalat.com.my/investment/business/treasury-capital-markets/khazanah-bonds/) - [Malaysia Islamic Treasury Bills (MITB)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/malaysia-islamic-treasury-bills-mitb/) - [Sukuk Bank Negara Malaysia Ijarah (SBNMI)](https://www.muamalat.com.my/investment/business/treasury-capital-markets/sukuk-bank-negara-malaysia-ijarah-sbnmi/) Services [Personal](https://www.muamalat.com.my/personal/) - [Overview](https://www.muamalat.com.my/services/personal/) - [Electronic Banking](https://www.muamalat.com.my/services/personal/electronic-banking/) - [Automated Teller Machines (ATM)](https://www.muamalat.com.my/services/personal/electronic-banking/automated-teller-machines-atm/) - [Bill Payment with FPX via i-Muamalat](https://www.muamalat.com.my/services/personal/electronic-banking/bill-payment-with-fpx-via-i-muamalat/) - [Internet Banking](https://www.muamalat.com.my/services/personal/internet-banking/) - [i-Muamalat](https://www.muamalat.com.my/services/personal/internet-banking/i-muamalat/) - [i-MSecure](https://www.muamalat.com.my/services/personal/internet-banking/imsecure/) - [DuitNow](https://www.muamalat.com.my/services/personal/internet-banking/duitnow/) - [Online Foreign Transfer](https://www.muamalat.com.my/services/personal/internet-banking/online-foreign-transfer/) - [Vault Services](https://www.muamalat.com.my/services/personal/vault-services/) - [Safe Deposit Box](https://www.muamalat.com.my/services/personal/vault-services/safe-deposit-box/) - [Muamalat Beyond](https://www.muamalat.com.my/services/personal/muamalat-beyond/) - [Muamalat Beyond Premier Banking](https://www.muamalat.com.my/services/personal/muamalat-beyond/muamalat-beyond-premier-banking/) - [Monthly Market Outlook](https://www.muamalat.com.my/services/personal/muamalat-beyond/monthly-market-outlook/) - [E-Debit](https://www.muamalat.com.my/services/personal/e-debit/) - [Zakat Services](https://www.muamalat.com.my/services/personal/zakat-services/) - [Zakat Counter](https://www.muamalat.com.my/services/personal/zakat-services/zakat-counter/) - [Ez-Zakat Muamalat](https://www.muamalat.com.my/services/personal/zakat-services/ez-zakat-muamalat/) - [Ez-Zakat Muamalat Gold-i](https://www.muamalat.com.my/services/personal/zakat-services/ez-zakat-muamalat-gold-i/) - [Tabung Haji Transfer](https://www.muamalat.com.my/services/personal/tabung-haji-transfer/) - [Defective Motor Vehicles Claim to TCCM](https://www.muamalat.com.my/services/personal/defective-motor-vehicles-claim-to-tccm/) - [Online Auction](https://www.muamalat.com.my/downloads/Property_Auction_Sale.pdf) - [WhatsApp](https://www.muamalat.com.my/services/personal/whatsapp/) - [Online Deposit Account Application (ODA)](https://www.muamalat.com.my/services/personal/online-deposit-account-application-oda/) [Business](https://www.muamalat.com.my/business/) - [Overview](https://www.muamalat.com.my/services/business/) - [e-Invoice](https://www.muamalat.com.my/services/business/e-invoice/) - [iBiz Muamalat](https://www.muamalat.com.my/services/business/ibiz-muamalat/) - [Visa B2B Connect](https://www.muamalat.com.my/services/business/visa-b2b-connect/) - [Treasury & Capital Markets](https://www.muamalat.com.my/services/business/treasury-capital-markets/) - [Fixed Term Account-i](https://www.muamalat.com.my/services/business/treasury-capital-markets/fixed-term-account-i/) - [Foreign Exchange](https://www.muamalat.com.my/services/business/treasury-capital-markets/foreign-exchange/) - [Foreign Currency Deposit](https://www.muamalat.com.my/services/business/treasury-capital-markets/foreign-currency-deposit/) - [Negotiable Islamic Debt Certificate (NIDC)](https://www.muamalat.com.my/services/business/treasury-capital-markets/negotiable-islamic-debit-certificate-nidc/) - [Trade Finance](https://www.muamalat.com.my/services/business/trade-finance/) - [Islamic Concept](https://www.muamalat.com.my/services/business/trade-finance/islamic-concept/) - [Accepted Bills-i (AB-i) – Export/Sales](https://www.muamalat.com.my/services/business/trade-finance/accepted-bills-i-ab-i-export-sales/) - [Accepted Bills-i (AB-i) – Import/Purchase](https://www.muamalat.com.my/services/business/trade-finance/accepted-bills-i-ab-i-import-purchase/) - [Bai’ Dayn Working Capital Financing (BWCF-i)](https://www.muamalat.com.my/services/business/trade-finance/bai-dayn-working-capital-financing-bwcf-i/) - [Bank Guarantee (BG-i)](https://www.muamalat.com.my/services/business/trade-finance/bank-guarantee-bg-i/) - [Foreign/Domestic Bill of Exchange Purchase-i (FBEP-i/DBEP-i) – Authority to Purchase](https://www.muamalat.com.my/services/business/trade-finance/foreign-domestic-bill-of-exchange-purchase-i-fbep-i-dbep-i-authority-to-purchase/) - [Foreign/Domestic Bill of Exchange Purchase-i (FBEP-i/DBEP-i) – Documentary](https://www.muamalat.com.my/services/business/trade-finance/foreign-domestic-bill-of-exchange-purchase-i-fbep-i-dbep-i-documentary/) - [Foreign/Domestic Outward Bill For Collection-i (FOBC/DOBC-i)](https://www.muamalat.com.my/services/business/trade-finance/foreign-domestic-outward-bill-for-collection-i-fobc-dobc-i/) - [Foreign/Domestic Inward Bill For Collection-i (FIBC/DIBC-i)](https://www.muamalat.com.my/services/business/trade-finance/foreign-domestic-inward-bill-for-collection-i-fibc-dibc-i/) - [Murabahah Working Capital Financing-i (MWCF-i)](https://www.muamalat.com.my/services/business/trade-finance/murabahah-working-capital-financing-i-mwcf-i/) - [Outward Letter of Credit (OLC-i)](https://www.muamalat.com.my/services/business/trade-finance/outward-letter-of-credit-olc-i/) - [Shipping Guarantee (SG-i)](https://www.muamalat.com.my/services/business/trade-finance/shipping-guarantee-sg-i/) - [Islamic Capital Markets](https://www.muamalat.com.my/services/business/islamic-capital-markets/) - [Corporate Advisory Services](https://www.muamalat.com.my/services/business/corporate-advisory-services/) \#MuamalatCares [Personal](https://www.muamalat.com.my/personal/) - [Value Beyond Banking](https://www.muamalat.com.my/muamalatcares/value-beyond-banking/) - [Corporate Responsibility](https://www.muamalat.com.my/muamalatcares/corporate-responsibility/) - [Ramadan dan Raya Terindah Bersama](https://www.muamalat.com.my/muamalatcares/ramadan-dan-raya-terindah-bersama/) - [Sustainability](https://www.muamalat.com.my/muamalatcares/sustainability/) - [Cybersecurity](https://www.muamalat.com.my/muamalatcares/cybersecurity/) - [Security and Fraud](https://www.muamalat.com.my/muamalatcares/security-and-fraud/) - [Rescheduling and Restructuring (R\&R) program](https://www.muamalat.com.my/muamalatcares/rescheduling-and-restructuring-program-for-retail-financing/) - [Takaful Claim](https://www.muamalat.com.my/muamalatcares/takaful-claim/) - [Tips and Awareness](https://www.muamalat.com.my/muamalatcares/tips-and-awareness/) - [Fraud Awareness For Bank Muamalat Card-i](https://www.muamalat.com.my/muamalatcares/tips-and-awareness/fraud-awareness-for-bank-muamalat-card-i/) - [Pin & Pay and Contactless Transaction](https://www.muamalat.com.my/muamalatcares/tips-and-awareness/pin-pay-and-contactless-transaction/) - [Foreign Exchange Administration](https://www.muamalat.com.my/muamalatcares/tips-and-awareness/foreign-exchange-administration/) - [e-Derma](https://www.muamalat.com.my/muamalatcares/e-derma/) - [Fidyah](https://www.muamalat.com.my/muamalatcares/fidyah/) - [e-Zakat Fitrah Online](https://www.muamalat.com.my/muamalatcares/e-zakat-fitrah-online/) - [Halal Certification Program](https://www.muamalat.com.my/muamalatcares/halal-certification-program/) - [iTEKAD](https://www.muamalat.com.my/muamalatcares/i-tekad/) - [Jariah Fund](https://jariahfund.muamalat.com.my/) - [Festive](https://www.muamalat.com.my/muamalatcares/festive/) - [Aidilfitry 2023](https://www.muamalat.com.my/muamalatcares/festive/aidilfitry-2023/) - [Merdeka](https://www.muamalat.com.my/muamalatcares/festive/merdeka/) - [Wakaf Muamalat](https://www.muamalat.com.my/wakafmuamalat/) - [Cilik Celik Bersama Ringgit Rayyan](https://www.muamalat.com.my/muamalatcares/cilik-celik-bersama-ringgit-rayyan/) Others - [Customer Service Charter](https://www.muamalat.com.my/wp-content/uploads/2023/11/BMMB_Customer_Service_Charter-Service_Standards.pdf) - [Personal Data Protection Notice](https://www.muamalat.com.my/wp-content/uploads/2025/10/Privacy_Notice_2025.pdf) - [BMMB Whistleblowing Policy and Ethics Line](https://www.muamalat.com.my/wp-content/uploads/2023/11/BMMB_whistleblower_V2.pdf) - [PIDM Brochure](https://www.muamalat.com.my/wp-content/uploads/2023/11/PIDM_Brochure.pdf) - [List of Insured of Deposits](https://www.muamalat.com.my/wp-content/uploads/2023/11/List_of_Insured_Deposits.pdf) - [BMMB Treat Customer Fairly Charter](https://www.muamalat.com.my/wp-content/uploads/2023/11/BMMB-Treat-Customers-Fairly-Charter.pdf) - [BMMB e-Banking Charter](https://www.muamalat.com.my/wp-content/uploads/2023/11/BMMB-e-Banking-Charter.pdf) - 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Perth Mint 99.99% Gold Minted Bar/Account Price: \| \| \| \| Product Type \| Bank Sell \| Bank Buy \| \| Account \| 649\.95 \| 604\.39 \| \| Physical \| 672\.73 \| 604\.39 \| \| EasiGold (Less than RM15,000) \| 618\.482 \| 611\.56 \| \| EasiGold (RM15,000 and more) \| 617\.482 \| 612\.56 \| \| (\Prices published are per gram and for reference only. Click [RM and Gold Weightage Table](https://www.muamalat.com.my/podcast/episode-2-adakah-emas-hanya-untuk-simpanan-atau-pelaburan/) to view listing of gold amount purchased per RM10 value) \At selected branches only \* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store \| \| \| \| Updated on 03/04/2026 9:30 am \| [More details](https://www.muamalat.com.my/investment/personal/wealth-creation-accumulation/) \| \| [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/logo.png)](https://www.muamalat.com.my/) [Apply Now](https://map.muamalat.com.my/) - [Banking](https://www.muamalat.com.my/banking/) - [Card](https://www.muamalat.com.my/card/) - [Financing](https://www.muamalat.com.my/financing/) - [Investment](https://www.muamalat.com.my/investment/) - [Services](https://www.muamalat.com.my/services/) - [\#MuamalatCares](https://www.muamalat.com.my/muamalatcares/) ![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/icon-search-orange.svg) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/i-M-login2.png)](https://www.i-muamalat.com.my/rib/index.do) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/iBiz-M-login.png)](https://www.muamalat.com.my/services/business/ibiz-muamalat/) EN BM EN BM [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/logo.png)](https://www.muamalat.com.my/) [Contact Us]() [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/icon-pin.svg)](https://www.muamalat.com.my/branches/) Close Close ![delete](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/icon-close.svg) [Podcast](https://www.muamalat.com.my/publications/podcast/) # Episod 2 : ADAKAH EMAS HANYA UNTUK SIMPANAN ATAU PELABURAN? ![](https://www.muamalat.com.my/wp-content/uploads/2025/04/Simpan-atau-invest-the-hard-truth-about-money.jpg) “Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup”. Bunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui. Sekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata: - Emas ni kalis inflasi - Aset paling selamat bila ekonomi tidak menentu - Boleh jadi penyelamat kewangan bila terdesak Tapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend? ORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN Rakyat Malaysia memang ada sejarah dengan emas. - Dulu → pakai untuk kenduri, simpan untuk anak cucu - Sekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO ![Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\<](https://www.muamalat.com.my/wp-content/uploads/2025/03/Episod-2-Adakah-Emas-Hanya-Untuk-Simpanan-Atau-Pelaburan.jpg) “Emas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu” – Amin Idris, Penceramah dan Hos TV Tapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset. SIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN “Emas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat - Emas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula. - Emas fizikal perlukan tempat simpanan yang selamat. - Emas digital perlu dilabur melalui platform yang sah dan selamat. Tanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang. LABUR EMAS: MESTI TAHU TUJUAN Pelaburan emas berlaku apabila kita: - Ada matlamat jangka panjang. - Nak lindung nilai daripada inflasi. - Ingin pelbagaikan simpanan dan aset. Apa kata Syariah? Oleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah: - Mengikut harga semasa (spot price) - Bebas unsur riba - Dilakukan dengan pemilikan segera HATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM Emas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan. Antara sebab ramai yang terpedaya: - Janji keuntungan yang tinggi dalam masa singkat. - Tidak semak latar belakang platform. - Keliru antara pelaburan emas yang sah dan skim pelaburan palsu. Solusi? Pilih platform yang sah, dipantau dan patuh Syariah. Contohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10. “Tidak perlu tunggu gaji besar. Yang penting, mula dan konsisten” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat BELAJAR DARI NABI YUSUF A.S Rasulullah SAW bersabda: “Sesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit” (Riwayat al-Bukhari, No. 6465) Sama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin. Lihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan. Ini bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini. NAK BELAJAR LEBIH TENTANG EMAS? Tonton podcast ApeCer? Episod 2\! Dalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat. “Don’t save what is left after spending. Spend what is left after saving” – Warren Buffett Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak. Jadi, nak tunggu apa lagi? ##### Adakah Emas Hanya Untuk Simpanan Atau Pelaburan? Diterbitkan pada April 21, 2025 Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2. \#PodcastApeCer \#KehidupanLebihBaikBersama * ### Find a Bank Muamalat branch nearby [Locate Our Branch](https://www.muamalat.com.my/branches/) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/fb.svg)](https://www.facebook.com/mybankmuamalat/) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/twitter-x.svg)](https://twitter.com/mybankmuamalat?lang=en) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/ig.svg)](https://www.instagram.com/mybankmuamalat/?hl=en) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/linkedin.svg)](https://bg.linkedin.com/company/bank-muamalat) [![](https://www.muamalat.com.my/wp-content/themes/bmm2023/img/tiktok.svg)](https://www.tiktok.com/@bankmuamalatmy?_t=8gy6R6wI8mo&_r=1) - [Personal Banking](https://www.muamalat.com.my/personal/) - 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For assistance, call our Customer Care Line at [\+603-2600 5500](tel:+60326005500) (local/International) - For scam-related issues, contact our Scam Hotline at [\+603 2615 8000](tel:+60326158000) - For more information, visit our [Contact Us**](https://www.muamalat.com.my/contact-us/feedback) page \| \| \| \| \| \| \|---\|---\|---\|---\|---\| \| AUSTRALIAN DOLLAR \| AUD \| 2\.867000 \| 2\.708000 \| 2\.692000 \| \| BRUNEI DOLLAR \| BND \| 3\.245000 \| 3\.054000 \| 3\.043000 \| \| CANADIAN DOLLAR \| CAD \| 2\.950000 \| 2\.843000 \| 2\.826000 \| \| SWISS FRANC \| CHF \| 5\.167000 \| 4\.939000 \| 4\.921000 \| \| EURO \| EUR \| 4\.809000 \| 4\.539000 \| 4\.517000 \| \| STERLING POUND \| GBP \| 5\.477000 \| 5\.231000 \| 5\.222000 \| \| NEW ZEALAND DOLLAR \| NZD \| 2\.425000 \| 2\.249000 \| 2\.234000 \| \| SINGAPORE DOLLAR \| SGD \| 3\.245000 \| 3\.054000 \| 3\.053000 \| \| UNITED STATES DOLLAR \| USD \| 4\.151000 \| 3\.924000 \| 3\.907000 \| 2026-04-03 08:36:39
Readable Markdown	“Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup”. Bunyi macam biasa tetapi inilah realiti yang ramai antara kita lalui. Sekarang, di media sosial memang ramai tengah cerita pasal emas. Ada yang kata: - Emas ni kalis inflasi - Aset paling selamat bila ekonomi tidak menentu - Boleh jadi penyelamat kewangan bila terdesak Tapi betul ke semua ni? Atau kita sebenarnya cuma ikut trend? ORANG KITA & EMAS: DULU LAIN, SEKARANG LAIN Rakyat Malaysia memang ada sejarah dengan emas. - Dulu → pakai untuk kenduri, simpan untuk anak cucu - Sekarang → beli sebab risau duit susut nilai atau sekadar ikut trend dan FOMO ![Adakah Emas Hanya Untuk Simpanan Atau Pelaburan?\<](https://www.muamalat.com.my/wp-content/uploads/2025/03/Episod-2-Adakah-Emas-Hanya-Untuk-Simpanan-Atau-Pelaburan.jpg) “Emas ini ada nilai universal. Bila ekonomi goyang, orang cari emas dulu” – Amin Idris, Penceramah dan Hos TV Tapi kalau beli emas semata-mata hanya untuk ‘ada’ tanpa sebarang perancangan…sangat rugi sebab kita tidak manfaatkan potensi sebenar emas sebagai aset. SIMPAN SAHAJA TIDAK CUKUP…, KALAU TIADA PERANCANGAN “Emas adalah pelaburan, bukan sekadar simpanan. Kalau beli hari ini, jangan rancang nak guna minggu depan” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat - Emas perhiasan biasanya datang dengan kos upah, reka bentuk dan susut nilai bila dijual semula. - Emas fizikal perlukan tempat simpanan yang selamat. - Emas digital perlu dilabur melalui platform yang sah dan selamat. Tanpa matlamat dan strategi yang jelas, simpanan emas tidak akan berkembang. LABUR EMAS: MESTI TAHU TUJUAN Pelaburan emas berlaku apabila kita: - Ada matlamat jangka panjang. - Nak lindung nilai daripada inflasi. - Ingin pelbagaikan simpanan dan aset. Apa kata Syariah? Oleh kerana emas dikira sebagai barang ribawi, jual beli emas mestilah: - Mengikut harga semasa (spot price) - Bebas unsur riba - Dilakukan dengan pemilikan segera HATI-HATI: SEMAKIN RAMAI JADI MANGSA SCAM Emas sekarang memang mudah dibeli secara dalam talian tetapi itu juga membuka ruang kepada penipuan. Antara sebab ramai yang terpedaya: - Janji keuntungan yang tinggi dalam masa singkat. - Tidak semak latar belakang platform. - Keliru antara pelaburan emas yang sah dan skim pelaburan palsu. Solusi? Pilih platform yang sah, dipantau dan patuh Syariah. Contohnya, Akaun Emas Digital Bank Muamalat yang bermula serendah RM10. “Tidak perlu tunggu gaji besar. Yang penting, mula dan konsisten” – Dr Sarimah, Ketua Jabatan Pengurusan Harta, Bank Muamalat BELAJAR DARI NABI YUSUF A.S Rasulullah SAW bersabda: “Sesungguhnya amalan yang paling disukai oleh Allah ialah amalan yang dilakukan secara berterusan walaupun sedikit” (Riwayat al-Bukhari, No. 6465) Sama juga dengan simpanan dan pelaburan emas, bukan siapa mula dulu atau simpan paling banyak tetapi siapa yang konsisten dan berdisiplin. Lihat bagaimana Nabi Yusuf A.S yang menasihati Raja Mesir untuk menyimpan ketika waktu senang supaya apabila tibanya waktu susah, negara tetap dapat bertahan. Ini bukan sekadar strategi ekonomi zaman dahulu tetapi pengajaran kewangan yang masih relevan hingga ke hari ini. NAK BELAJAR LEBIH TENTANG EMAS? Tonton podcast ApeCer? Episod 2\! Dalam episode ini, kita bongkar realiti dan mitos tentang emas, bukan sekadar simbol kekayaan tetapi strategi kewangan yang boleh bina masa depan yang lebih stabil dan berkat. “Don’t save what is left after spending. Spend what is left after saving” – Warren Buffett Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak. Jadi, nak tunggu apa lagi? ##### Adakah Emas Hanya Untuk Simpanan Atau Pelaburan? Diterbitkan pada April 21, 2025 Gaji baru masuk. Semangat nak menyimpan pun membara. Tapi bila tengok bil, barang dapur, ansuran sana sini….terus rasa tidak cukup Kalau gaji masih masuk setiap bulan, itu tandanya kita masih ada peluang untuk merancang dan bertindak melalui Podcast ApeCer Episod 2. \#PodcastApeCer \#KehidupanLebihBaikBersama
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