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Hey @auleo, my brother has started his paper gold investment.
The one I know is from Public Bank but yes they charge RM10 per annum but I think it's also with a minimum deposit which was higher than hello Gold.
For me at the moment Hello Gold have very low budget saving plan which encourages young / old with a proper ID to start saving in precious metal, but paper gold is more rigid and hard to make it like a liquidated monetary flow easily.

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