The good thing about MONEX is you receive as of the current rate 5% interest on your money if it sits in the account while you wait to buy the gold. The bad news is the spread between the bid and ask price can be rather large at times plus the commission if you trade often. I think you’re OK if you hold it for the long haul which should more than makeup for the carrying costs. Closing the gap on the spot price is difficult due to the greed involved with brokerages.