19/04/2026
The anticipation of the Hajj season is building, and the first groups of pilgrims have already begun their journey to the Holy Land.
The question remains: do we have enough cash savings to go, given that the cost of Hajj rises every year?
In truth, no matter what major goal we set—whether it’s performing Hajj, buying land, or building a retirement fund—it all requires a long-term savings strategy that can withstand inflation.
Why Gold Is Seen as the “Safest Ticket”
Many wonder, “Is saving in gold a good way to prepare for Hajj?”
The answer lies in purchasing power.
1️⃣ Hajj Costs vs Currency Value
Yes, the cost of Hajj has increased (due to accommodation, transportation, and Saudi Arabia’s fees).
But the deeper issue is the declining value of paper money.
2️⃣ Inflation-Proof
Historically, the value of 10 Dinars (42.5 grams of gold) has been remarkably stable in covering the cost of one pilgrim.
If 10 Dinars was sufficient years ago, it remains sufficient today, and—God willing—it will still be relevant 5–10 years from now, because gold prices rise in line with living costs.
Unlike volatile currencies, saving in physical gold helps “lock in” wealth without worrying about the depreciation of the ringgit.
3️⃣ No Need to Be Wealthy to Start
You don’t need RM30,000 upfront to own 10 Dinars.
You can begin gradually, even with as little as RM100/$33 through a gold savings account.
4️⃣ Clear Goal
Set 10 Dinars as your first checkpoint.
Once you hold that weight in gold, it essentially means your “ticket” to Makkah is secured.
Let this Hajj season be the starting point for building a stronger, inflation-proof fund for worship and life goals.
With the right know-how losing money is very difficult ✨
