Gold Investment vs Fixed Deposits (1)

If you reckon, we have understood that long-term investing is better than saving in earlier times. However, if you realize that you might prefer low-risk-products to compromise on your risk tolerance accordingly, stocks might not be a considerable option for you. Hence in these two weeks, we are going to explore two low-risk-products, namely gold and fixed deposits. 

While there are numerous ways to invest in gold, we could only gain earnings through obtaining the spread by buying and selling it, thus we are unable to earn interest. Besides, due to the nature of being a low-risk-product, investing in gold only guarantees stable yet minimal returns. Nonetheless, the benefits might include a gradual appreciation in the long run, and it can also hedge against inflation. Investors are able to buy and sell anytime, which is comparatively more convenient. The few drawbacks of those is that, there is no way that we could earn interest, and it would be a must to wait patiently for it to grow. Fees and charges might vary a lot amongst different institutions as well. 

As the name implies, fixed deposits indicate placing your money in the bank for a fixed period of time, and getting back your capital and interests when the tenure expires. Make sure you think twice before you select the bank as the rates differ. Just like gold, fixed deposits ensure a certain level of returns, which make it a good option for earning passive income. The main drawbacks are, this could be the lowest-return-earning-method for investors. If you would like to collect your capital before the end of tenure, all the interests would go to waste. There might also be cases where you would have to pour in more capital, if you are going to earn more interest. 

In order to further compare and analyse, we can also check their returns out. In a shorter term, gold prices are more prone to volatilations, but appreciating gradually in the long run. Referring to the chart below, the prices went up and down every year, but overall the aggregate price has been increasing throughout the years. 


On the other hand, the 6-month interest rates for fixed deposits range from 0.25% to 3.5% – the longer the time being, the higher the interest rates. To encapsulate, gold is a relatively more long-term-focus investment product, while the time frame for fixed deposits is approximately between 1 month and 5 years. 

Now that we have analyzed the investing methods as well as the pros and cons of gold and fixed deposits, we will be getting to know their respective potential risks next time. 


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tiips 自2019 年創立至今,2020年完成種子輪融資,唯2021年第四年仍未能籌得新一輪融資,我們作出了艱難的決定,將於2022年2月21號 23:59 終止tiips mobile app 的運作。

我們目前的首要任務是確保用戶積分換取資產及實金買賣服務暢順度及公平性,我們將會分階段停止tiips mobile app 的功能及運作。


所有客戶的黃金儲存於Tiips Services limited。Tiips Services Limited 是獨立第三方信托人,信托或公司服務提供者牌照號碼為TC007559,客戶的黃金儲存於張氏金業有限公司Tiips Services Limited 的戶口。


客戶的Bitcoin存量是儲存在Tips Dollar (HK) Limited 擁有的cold wallet。


31/12/2021 23:59 停止買入實金。

1/1/2022 00:0021/2/2022 23:59 tiips 積分換取資產及賣出實金及Bitcoin 如常進行。而我們將會用 ”買入價” 回購客戶的資產,已回饋客戶多年來的支持。

21/2/2022 23:59 tiips mobile app 停止運作。

1/3/2022 00:0030/11/2022 23:59 人手處理顧客剩餘現金。客戶的剩餘資產將會用2/21/2022 23:59 當刻價格賣出,而相關金額我們會幫顧客保留,而我們將會用電郵方式確認客戶剩餘之金額,客戶可電郵[email protected]Whatsapp 93889879辦理手續領取現全,該現金我們會用FPS 轉賬,手續費維持港幣$3。

1/12/2022 00:0031/12/2022 23:59 我們會將所有顧客未領取的現金捐贈致愛護動物協會。

儘管tiips mobile app 將終止營運,我們往後會集中開發機構客戶市場,以延續寓消費於儲蓄的理念。


tiips was established in 2019 and accomplished its seed funding in 2020. It was with regret that we were still unable to receive the funding for the new round in 2021. Thus, we have unfortunately come to the decision to cease the operation of the tiips mobile app on 21 February 2022 23:59.
To ensure the smooth facilitation and fairness in user points & assets redemption and gold trading, we will close down the functions of tiips mobile app according to different phases.

Safety of Gold

All users’ gold is now stored in Tiips Services Limited, account provided by Cheung’s Gold Traders Limited. Tiips Services Limited is an third party trustee, which its Trust or Company Service Provider Licence number is TC007559.

Safety of Bitcoin

All users’ Bitcoin is now stored in the cold wallet owned by Tips Dollar (HK) Limited.

Timeline as follows:

31/12/2021 23:59 Gold purchases will be suspended.

1/1/2022 00:00 to 21/2/2022 23:59 tiips reward & assets redemption, gold selling and Bitcoin trading will be operated as usual. To express our gratitude throughout the years, tiips will purchase users’ assets at the “BUY PRICE”.

21/2/2022 23:59 tiips mobile app will be ceased to operate.

1/3/2022 00:00 to 30/11/2022 23:59 tiips will manually proceed the users’ remaining cash. Those assets will be sold at the price as of 21/2/2022 23:59, while we will keep the amount of money and email the customers for further confirmation. Customers may email us at [email protected] or Whatsapp 93889879 to collect the cash. The payment will be performed through FPS, and tiips will keep the handling fee at HKD 3.

1/12/2022 00:00 to 31/12/2022 23:59 tiips will donate all the uncollected cash to The Society for the Prevention of Cruelty to Animals (SPCA).

The tiips mobile app might have suspended its operation, nevertheless tiips will continue to expand its corporate market, to sustain the belief in combining spending and saving in the future.

Last but not least, we would like to express our heartfelt gratitude for the support from tiips’ users, merchants and partners over the past three years.