常见问题
Starter
EION Management is a global gold asset consultancy company that that aims to provide top-notch online buying and selling gold management services for local as well as international clients. As a company, we do not just aim to build a solid network of clients around the world, but also to equip them with sufficient knowledge as a basis of foundation for savvy and innovative way in buying gold online through our platform.
Quantum Metal is the platform that provides supply to EION Management. Quantum Metal was registered on 30th July 2012 in Malaysia and is one of the largest gold bullion distributors in Malaysia, providing 99.99% premium gold products to the Malaysian market such as government bodies, banks and financial institutions.
For more information about Quantum Metal, please visit https://www.quantummetal.com.my/.
Quantum Metal offers 99.99% grade gold products that are London Bullion Market Association (LBMA) certified. Gold is supplied by The Perth Mint Australia that is fully owned by the Government of Western Australia, where the gold purity and weight are 100% guaranteed by the Government. This also means that Quantum Metal only sells the highest quality gold products.
The Perth Mint Australia remains one of the few refiners in the world and the only in Australia accredited as a refiner, weight master and assayer with the five global precious metal exchanges being the LBMA, the New York Commodity Exchange, the Shanghai Gold Exchange, the Tokyo Commodity Exchange and the Dubai Multi Commodities Centre.
Allocated gold means the gold is your property and you are the legal owner of the gold. Allocated gold accounts use your funds to buy and store physical gold in secure, insured vaults. The gold stays in the vault and cannot be used for any other purpose.
When you buy gold with Quantum Metal, you are the legal owner of the gold. You pay Quantum Metal to keep the gold for you. No matter what happens, your gold is protected even if Quantum Metal closes down for any reason.
With unallocated gold, which is also knowns as paper gold has higher risk in general. Unallocated gold accounts do not have to physically store your gold. Your gold may be lent out during the time that the company or bank holds the gold on your behalf. If the gold provider goes bankrupt, you get the promises that your gold will be returned – which will leave you waiting in line with other creditors.
The Perth Mint Australia, the gold supplier that is fully owned by the Government of Western Australia has gold products that are guaranteed by the Government.
By holding an account with Quantum Metal, your gold will be safely secured and saved in the gold vault – Brinks.
Brink’s has safeguarded valuables since 1859. With 150 years of experience, Brink’s offers the utmost quality of service and sets the market standard.
Lloyd’s of London Insurance is the premium insurance provider. It protects the gold 100% against all possible risks in Brinks.
There is a 100% buyback guarantee by Quantum Metal for all Gold products sold with terms and conditions applied.
Your Quantum Metal account is not a bank account but work similarly to it. While you hold your currency at the bank, you hold gold as a currency in Quantum Metal.
The gold currency can only be used to:
- Re-purchase in other gold products within Quantum Metal, and
- The value can be withdrawn in the form of your local currency at your convenience to your bank account.
No funds are collected by EION Management. All transactions are transacted securely via the FPX payment gateway within Quantum Metal’s platform.
Yes. If something happens to Quantum Metal your gold in the gold vault will still be your gold. The company liquidator will sell the gold, deduct the administrative fees owed and return the cash value to you according to the market price on the day of sale.
Level 16 Menara Skymind, 10050 Georgetown, Pulau Pinang, Malaysia.
4, Jalan Residensi, 10450 George Town, Pulau Pinang.
Suite 16-01 Level 16, G Tower 199, Jalan Tun Razak, 50400 Kuala Lumpur.
No 53-02 & 55-02, Jalan Setia Tropika 1/8, Taman Setia Tropika, 81200 Johor Bahru.
No.9, Jalan Bukit Mata, Level # UG -02, Gateway Kuching, 93100 Kuching, Sarawak.
(2-1-10) Lot 10 Block A Tingkat 1 Kolam Centre Fasa 2, Jalan Lintas, Luyang
88300 Kota Kinabalu, Sabah.
No 32, Lorong Sena 8, 96000 Sibu Sarawak
Account
Click on the registration link (you should receive it from our Relationship Manager or your referral) – Fill in all the required details such as Name, Personal ID No, Nationality, Email and Mobile Phone Number. Once you are done, you should receive a confirmation email from Quantum Metal to setup your password and 6 digit pin to complete your account registration. In case, you do not see it, make sure to check the spam/junk inbox too. You may refer to the PDF file HERE.
Login to your QM account – go to User Settings > Edit Profile > Upload Your National ID. You can also look through other details, including Beneficiary. Also, go to Bank Account under User Settings, click ADD and fill up the necessary details. You may refer to the PDF file HERE.
Yes – you will need to complete KYC before withdrawing funds to your bank account.
You can. A representative of a company is required to submit a registration request through EION website, choose the relevant customer service form under the ACCOUNT REGISTRATION category. Please ensure you submit all the required documents.
GAE10X
Login to your QM account & Go to your account – under GAE > select Purchase GAE > GAE10X > input the number of units you wish to buy. Please note that each transaction is limited to a maximum amount of RM30,000 (around 21 units) but there are no limitations on the number of transactions that you could perform per day. You may refer to the PDF file HERE.
You can login to your QM account – under GAE > List > Code. You may refer to the PDF file HERE.
Selling activities can be carried out as long as the global gold market is open from Monday (6:00 am) to Saturday (5:00 am) except during LBMA gazetted public holidays.
Buying activities is daily; 24 hours a day. For weekend, the market closing price is used as QM sell price until the market opens up again. Subjected to stock availability.
Gold price + 3% mark up = the GAE10X purchase price. Please refer to Quantum Metal for the actual price.
No. Both are of a different asset class.
GAE10X is offered in units. Each unit is priced at USD250. The conversion to MYR is based on the actual transaction day’s FX rate.
1 unit is USD250. To calculate, use the formula below:
Total initial modal/ capital divide your buy price (QM Sell Price) = grams in gold & then multiply by 10.
You can only see the total weight of gold upon completion of the transaction.
You cannot multiply buying gold from the bank ten times similarly to how GAE10X works.
Yes, you can buy more than one GAE10X in your QM gold account.
No. QM gold account is tagged to only one personal ID number.
Pricing / Fee
You can refer to www.goldprice.org for world gold price. You can also refer to Quantum Metal for their selling price which has 3% mark-up.
The price shown in QM is inclusive of the 3% mark-up.
You can log into your QM account – under GAE > List > Code.
There is no additional cost incurred other than the 3% mark-up and 3.5% management fee that is paid upfront for the 1st year upon purchase of GAE10X.
Management fee is a financial charge for the outstanding balance that is paid upfront when a client buys GAE10X. It is deferred 2nd year onwards & is to be deducted from profit upon the termination of GAE10X.
Management fee is returnable if a client terminates GAE10X account within 1 year of purchase. The refund amount is to be prorated based on the days the GAE10X is activated.
The management fee is calculated based on 3.5% on the 90% outstanding balance.
Spread is markup – the difference between a product’s selling price and cost. For example, if a product sells for RM125 and costs RM100, the additional price increase is 【(RM125 – RM100) / RM100】 x 100 = 25%.
Support System
You can login to your QM account – under GAE > List (Net Cash Out > Initial Investment = Gross Profit)
EION4U System will notify you once your gold asset profit reaches 5% profit or more, and you can decide to release your asset for profit or to hold onto it for future gain. Please contact your Relationship Manager if you have further queries or contact EION Customer Service at +60 16-401 7723.
Withdrawal
You can, provided that you have paid off the financing amount.
Eg. Initial Booking Fee RM10K + Financing amount RM90K = RM100K gold.
Login to your QM account. Go to GAE > Lists, determine the GAE code that you wish to sell/terminate. At the end of the code, click on “Action” & select “Termination”. Select the number of unit(s) you wish to sell/terminate. Once done, click “Submit” & you’ll go to a GAE Termination Confirmation page & click on “Submit” to complete the request to sell/terminate. You may refer to the PDF file HERE.
You can withdraw partially by unit.
No. You can sell your GAE10X anytime. When you sell, it will be sold to QM.
The minimum is 1 unit of GAE10X.
No, because KYC verification is done based on the details of the company. However, once GAE10X is sold, the company can choose to have the entire sold amount to be credited into its GSA account & subsequently transfer it to an individual GSA account (provided that the individual has a QM account). Once it is transferred, that individual can do withdrawal.
QM does not provide physical gold delivery services out of Malaysia. Please contact your Relationship Manager if you intend to do so for more details.
a: go to “GSA” & click “Buy Gold” from account.
b: at “Buy gold” enter the total amount of QM sell price for physical gold withdrawal.
c: At “Buy Gold Method” – select “Direct Bank In” or “Payout Account” or “PayDirect – FPX” then click submit.
d: go to “GSA”, click physical withdrawal, choose the grammage of gold bar, select physical withdrawal country & physical withdrawal region, then click submit.
e: for “Direct Bank In”, need to send purchase slip together with the payment bank in slip to QM customer service, inform QM that you wish to withdraw physical gold.
Others
If it falls under capital gain, it is tax exempted. If it falls under trading, the profit will be taxed. Please refer to your tax advisor.
QM is the system provider and gold supplier to Bank Muamalat and Affin Bank.
Yes, after completion of purchase, you may find the necessary legal documents stated as Acceptance of Wakalah, Deed of Charge, Murabahah Sale Aqad & FlexiGoldProduct which are reflected in your account.
Quantum Metal was established in 2012 in Malaysia.
EION Management was established in 2020 as appointed authorized distributor of Quantum Metal.
EION Management is an authorized mandate partner of Quantum Metal with the main purpose to assist clients to buy and sell gold online via QM’s platform.
Gold Convert Account (GCA) is a facility where you could request up to 85% of the gold value available in your Gold Storage Account (GSA) as cash advance with a 3.5% management fee.
There is no best timing when to buy as the gold price fluctuates every day.
The minimum age is 18 years old and above. For those 18 years old & below, a joint name account with parents is required.
Continue to hold your GAE10X asset. Even if the gold price drops, there won’t be any risk unless you sell your GAE10X while it is at a loss.
Yes, provided that the inheritant is aware of the existence of the QM account.
No, because
1. Genneva charges a premium of 25 to 30% vs QM’s standard 3% mark up (That is only when clients buy from QM but totally no mark up when sell.)
2. Genneva promises a fixed 2 to 3% monthly return vs QM where there’s no guarantee of fixed returns & profit performance are solely based on gold price movements which are beyond control our control.
3. The rest includes money laundering, illegal deposit taking, tax evasion & more. Whereas, QM is a reporting agency to Bank Negara Malaysia where it’s activities are closely monitored.
In conclusion, QM is entirely different than Genneva.
Article: A 5-min guide on the biggest gold trading scandal in Malaysia, involving 35,000 Malaysians
免责声明
这些页面上的信息包含涉及风险和不确定性的前瞻性陈述。本页介绍的市场和工具仅供参考，不应以任何方式作为购买或出售这些资产的建议。在做出任何投资决定之前，您应该进行自己的彻底研究。 EION 管理私人有限公司Bhd. 不以任何方式保证此信息不存在错误、错误或重大错误陈述。它也不保证这些信息是及时的。投资公开市场涉及大量风险，包括损失全部或部分投资，以及情绪困扰。与投资相关的所有风险、损失和成本，包括本金的全部损失，均由您承担。本文中表达的观点和意见是从各种来源收集的一般信息，并不一定反映 EION Management Sdn. Bhd. 的官方政策或立场。 Bhd. 但是，这些信息旨在提供帮助，让您以更复杂的方式思考，并可能帮助您提出正确的问题或做出正确的决定。此外，我们鼓励您与我们联系，就您的问题或感兴趣的领域与我们进一步讨论。
常⻅问题
戶口
点击注册链接（你会从我们的客户经理或你的介绍人收到）- 填写个人资料：姓名、个人身份证号码、国籍、电子邮件和手机号码。完成后，你会收到一封来自 Quantum Metal 的确认电子邮件，点击后设置密码和 6 位 pin 以完成你的户口注册。如果没有，请检查你的Spam邮件/Junk邮件收件箱。
你可以参考这里这里的 PDF 文件。
登录你的 QM 户口 – 请到用户设置 > 编辑配置文件 > 上传你的身份证。你还可以查看其他资料，包括受益人。
此外，请到”用户设置”里的”银行户口”，点击”添加”并填写必要的资料。你可以参考这里这里的 PDF 文件。
需要的 – 当资金提取到你的银行户口之前，你需要做好实名认证。
可以，公司代表必须通过 EION 网站的客户服务，选择相关表格提出申请。还有，公司代表的手机号码和 Email 必须是从来没有在 QM 注册过的。
GAE10X
登录你的 QM 户口并到你的户口 – 在 GAE > 选择购买 GAE > GAE10X > 输入你想要投资的单位数量。
请注意，每笔交易最多数额为马币30千（ 21 个单位左右）但每天可以交易的数量是没有限制的。你可以参考这里的 PDF 文件。
你可以登入 QM 戶口, 在 GAE > List > Code。你可以参考这里这里的 PDF 文件。
只要全球黄金市场从星期一（早上 6：00）开放到星期六（早上 5：00），都可以进行出售/终止的活动，除了 LBMA 的公共假期以外。
购买的活动是每一天，每天24小时。在周末，市场收盘价用作QM销售价格，直到市场再次开放。以黄金库存量而定。
www.goldprice.org + 3% 的差价 = GAE10X 的购买价格。实际的价格，请浏览 www.quantummetal.com
这是不同的投资类别。
GAE10X 以单位计算。每个单位的售价为250美元。转换为马币基于实际交易日的汇率。
一个单位是250美元。要计算，请使用以下的公式:
投资资本总数除以你的买入价格（QM 的销售价格）= 黄金的重量，然后乘以10。
你只能在交易完成后，查看到黄金的总重量。
银行黄金投资户口不能使用信用贷款。
可以，你的黄金投资户口里可以拥有超过一个 GAE10X 的投资。
不行。因为QM的黄金投资户口是以个人身份证号码注册。
可以的。在支票过账后，购买黄金的价格将取决于支票过账的日期。
可以，但发票/账单将会发给公司，因为是由公司的户口注册的。
a. 在 QM 户口里查看购买 GAE10X 的价格: 250美元/单位 + 管理费 。
b. 将 (a.) 的购买总数汇款到 QM 户口。
c. 通过 EION网站，将银行汇款单据和购买 GAE10X 的申请表格呈上。
https://eionmanagement.com/customer-service/
**请附上银行汇款单据
价格 / 费用
你可以参考 www.goldprice.org 的世界⻩金价格。你也可以参考 www.quantummetal.com QM的销售价格，QM的销售价格已加 3% 的差价。
QM 显示的价格已包括 3% 的差价。
每5分钟会进行一次的价格检查，检查后黄金价格就会更新。
你可以登入QM戶口, 在 GAE > List > Code。
没有。如果你有 GAE10X 户口，无需任何费用或续约费用。
当购买 GAE10X 时，除了 3% 的差价和第一年的 3.5% 预付管理费，就没有任何额外的费用了。
GAE10X 不需要 top up。
只要你不出售或终止你的交易，就不需要 top up。只会是纸面上的亏损。
使用 QMGold App 进行转帐是没有任何限额或费用，而且是马上转帐的。
管理费是当投资者投资 GAE10X 时，贷款金额的费用。投资者会先预付第一年，第二年之后的管理费是等到投资者终止 GAE10X 户口时才会从利润中扣除。
如果投资者在购买后的1年内终止 GAE10X 户口，管理费可退还。退款金额将根据 GAE10X 的天数按比例分配。
管理费是根据融资金额（贷款金额）的 3.5% 计算的。
投资价值会减少，但如果你继续持有着你的投资，它就不会自动终止。这只是纸面上的亏损。
差价 – 销售价格和成本之间的差额。
例如，产品的销售价格是 RM125，成本是 RM100，那额外的差价是 25% = RM25，【（RM125 – RM100） / RM100】x 100 = 25%。
利润 / 亏损
RM1,375.64 – RM1,020.00（投资金额）= RM 355.64（利润）
RM355.64 / RM1,020.00（投资金额）= 34.8%（利润的百分比）
支援系统
你可以登入 QM 戶口 – 在 GAE > List（现金支出 > 投资资本 = 利润）
一旦你的黄金投资达到 10% 或更多的利润时，EION4U系统将立即通知你，你可以决定出售你的投资以获得利润或持有它到未来的收益。
提取
可以的，前提是你已还清贷款的金额。
例如：投资 RM1万 + 贷款金额 RM9万 = RM10万黄金。
登录你的 QM 户口。在 GAE > Lists，确定你想要出售/终止的 GAE code。在 code 的尾端，点击”行动”并选择“终止”。选择你想要出售/终止的单位数量。完成后，点击”提交”，你将转到 GAE 终止确认页面，点击”提交”以完成出售/终止的请求。
你可以参考这里这里的 PDF 文件。
你可以以部分单位出场。
不需要。你可以随时出售你的 GAE10X，因为它将直接出售给QM。
最低是1个单位的 GAE10X。
不可以，因为 KYC 验证是根据公司的户口进行的。一旦出售 GAE10X，公司可以选择将全部已售出的金额转到公司的 GSA 户口，然后再转到个人的 GSA 户口（前提是该人也有 QM 户口）。一旦它被转到个人的 GSA户口，就可以提款出来了。
QM 不提供马来西亚以外的实体黄金送货服务。但如果你是兑领 1 公斤或以上的实体黄金，你可以在Brinks兑领。在这之前，QM 会先和你联系，做出必要的安排。
a. 到”GSA”，点击”购买黄金/储存”。
b. 在 “购买黄金/储存 (MYR)” 空格里输入 QM 实体⻩金兑领的销售价格的总额。
c. 在 “购买黄金/储存 Method” – 选择 “Direct Bank In” 或 “支出户口” 或 “PayDirect – FPX”，然后点击呈上。
d. 到”GSA”，然后点击实物黄金提取，选择金条的克量，选择实物黄金提取的国家和地区，然后点击呈上就完成了。
e. 如果选择 “Direct Bank In”, 必须将购买单据和银行汇款单据一起发给 QM 客戶服务说明要兑领实体黄金。
你可以参考这里的 PDF 文件。
其他
信用是客户以贷款方式进行投资，而获得更高的利润。
如果利润归类为资本收益，是属于免付税。但如果它归类为交易，利润就需要付税。请务必咨询你的税务顾问了解更多详情。
我们是实体黄金交易。这种方法类似于用信用购买房地产。在 GAE10X 终止时，我们只能根据投资的金额提取实体黄金。与外汇交易和信托基金是不同的投资类别。
QM是 Bank Muamalat 和 Affin Bank 的系统提供商和黄金供应商。
Quantum Metal 的黄金产品由 Shari’ah Advisor，ISRA CONSULTING 审核。ISRA Consulting 是由马来西亚国家银行子公司 ISRA 成立，并注册于马来西亚证券委员会。
关于 GAE10X 户口的黄金将专门存放在 London Bullion Bank 作为信用贷款的抵押品。
有的，购买完成后，你的户口里会有必要的法律文件，如 Acceptance of Wakalah， Deed of Charge， Murabahah Sale Aqad & FlexiGoldProduct。
没有。
Quantum Metal 创立于2012年，位于马来西亚。
EION Management 创立于2020，是 Quantum Metal 指定的授权经销商。
EION Management 是 Quantum Metal 的授权经销伙伴，协助客户们透过 QM 平台来进行黄金投资。
Gold Convert Account (GCA) 是可以将GSA的黄金抵押，换取现金高达 ８5%，是以当天的黄金价为准，管理费为 3.5% 一年。
a. 请记住，因为你是投资 999.9 的实体黄金！当黄金价格下跌时，黄金的重量是根本不会减少的！
b. 同样的，当你的房地产贬值时，如果你不出售你的房地产对你也没有任何影响，而且银行也不会打电话要求你 top up，因为你已经支付了 3.5% 的管理费。
c. 因此，唯一要做的就是等待金价上涨！耐心等待才是关键！
投资黄金没有所谓的最好时机，因为金价是有波动的。
最低年龄为18岁或以上。如18岁或以下，需要与家长开联名户口。
继续持有你的 GAE10X 投资。即使金价下跌也不会有任何风险，除非当它在亏损时，你出售你的GAE10X。
可以的，前提是继承人一定要知道 QM 户口的存在。
不是，因为
1. Genneva 收取 25% 到 30% 的附加保费 vs 和 QM 3% 的差价相比。（而且 QM 的差价只限于当投资者买入时会有的差价，出售时是完全没有差价的）
2. Genneva 承诺每个月有固定的 2% 到 3% 的回酬 vs QM 没有固定回酬的保证，赚取的利润完全基于黄金价格的走势， 这是我们无法控制的。
3. 其余包括洗黑钱、非法收入存款、逃税或更多。而 QM 是有向马来西亚国家银行报告的机构，所有的活动将会受到密切的监管。
总之，QM 与 Genneva 就是完全不同的。
https://cilisos.my/a-5-min-guide-on-the-biggest-gold-trading-scandal-in-malaysia-involving-35000-msians/
Disclaimer
Information on these pages contains forward-looking statements that involve risks and uncertainties. Markets and instruments profiled on this page are for informational purposes only and should not in any way come across as a recommendation to buy or sell in these assets. You should do your own thorough research before making any investment decisions. EION Management Sdn. Bhd. does not in any way guarantee that this information is free from mistakes, errors, or material misstatements. It also does not guarantee that this information is of a timely nature. Investing in Open Markets involves a great deal of risk, including the loss of all or a portion of your investment, as well as emotional distress. All risks, losses, and costs associated with investing, including total loss of principal, are your responsibility. The views and opinions expressed in this article are those of general information gathered from various sources and do not necessarily reflect the official policy or position of EION Management Sdn. Bhd. The information, however, is intended to be helpful and to get you thinking in a more sophisticated manner and possibly will assist you to ask the right questions or decisions making. Moreover, we encourage you to contact us to talk to us further on your issues or areas of interest.