Investasi jangka panjang untuk gen Z: menabung emas

Summary

In this video, Brigita Audina introduces the concept of investing in gold for the younger generation, emphasizing its stability and long-term benefits. She highlights how Indonesia's stable economic growth presents a conducive environment for investments and explores the role of BRImo, a mobile banking app from Bank Rakyat Indonesia (BRI), in simplifying the process of saving gold. Through the app, users can easily track, invest, and automate their gold savings. Brigita encourages young people to build financial literacy and use technology to secure a more stable future, despite global economic uncertainties.

Takeaways

• 😀 Gold savings are a long-term investment strategy suitable for Generation G, offering financial stability and growth potential.
• 😀 The economic landscape in Indonesia is relatively stable, despite global challenges like the COVID-19 pandemic, presenting growth opportunities in sectors like digital economy and renewable energy.
• 😀 Investment is the process of allocating funds or assets to generate returns over time, and it can be categorized into short-term and long-term investments.
• 😀 Long-term investments typically span 3 to 12 months or more, with options like stocks, land, buildings, gold, and mutual funds.
• 😀 Short-term investments are designed to secure assets temporarily and may include products like deposits, bonds, and P2P lending.
• 😀 The BRIMO app by Bank Rakyat Indonesia (BRI) allows users to save gold with ease, making it accessible for individuals who may not have large amounts of money to start investing.
• 😀 Saving gold through BRIMO is simple, as users can deposit small amounts regularly without a large initial investment, starting as low as IDR 100,000.
• 😀 The value of gold is not significantly affected by government policies, making it a reliable and attractive investment during times of global economic uncertainty.
• 😀 Regular gold savings through BRIMO offer the option to set up automatic deposits, ensuring consistent contributions over time.
• 😀 One potential risk of using the BRIMO app for gold savings is an annual admin fee of IDR 1,000 for storage, which investors should consider when calculating their returns.
• 😀 Gold remains a valuable asset in uncertain markets, and using technology, like the BRIMO app, can help the younger generation make smart, consistent investment decisions.

Q & A

Why should young people consider investing, especially in gold savings?

Young people should consider investing in gold savings as it helps secure financial stability against rising living costs and global economic uncertainties. Gold is a stable asset that isn't heavily influenced by government policies, making it a safe investment option in times of economic fluctuations.

What is the state of Indonesia's economy in recent years?

Indonesia's economy has remained stable in recent years, even in the face of global challenges like the COVID-19 pandemic. Inflation has decreased, creating a conducive environment for investment, with sectors like digital economy, renewable energy, and creative industries showing significant growth potential.

What is the difference between short-term and long-term investments?

Long-term investments require more time to generate returns and typically include assets like stocks, real estate, gold, and mutual funds. Short-term investments, on the other hand, have a shorter duration, typically ranging from 3 to 12 months, and may include products like deposits, bonds, or peer-to-peer lending.

What are the benefits of saving gold as an investment?

Gold savings offer a reliable investment option because gold maintains its value over time and is not influenced by market policies. Additionally, the price of gold tends to rise gradually and spikes during uncertain global economic conditions, making it an attractive asset.

How does the BRIMO application facilitate gold savings?

BRIMO, a mobile banking app from Bank Rakyat Indonesia (BRI), enables users to save gold by purchasing small amounts regularly. The app allows users to view real-time gold prices, track transactions, and even set up automatic deductions for routine savings.

How does BRIMO make gold saving accessible for young people?

BRIMO allows young people to start saving gold with as little as IDR 100,000. The app's user-friendly interface and features like auto-debit for regular contributions make it easy for young people to start investing without needing a large upfront amount.

What risks are associated with gold saving through the BRIMO app?

One risk associated with using BRIMO for gold savings is the annual storage fee of IDR 30,000, which is charged for storing gold in the app's system. However, this is a small cost compared to the potential benefits of stable gold investments.

What does the trend of gold prices indicate in the app's graph?

The graph in the BRIMO app shows that gold prices generally increase over time, with occasional spikes due to global economic uncertainty. This reinforces gold’s position as a stable and valued asset for long-term investment.

Why is it important for the younger generation to invest in gold?

It’s crucial for the younger generation to invest in gold as it helps them build financial stability, protect their wealth against inflation, and prepare for future financial needs. Regular gold savings can also improve financial literacy and secure long-term wealth.

What steps are involved in starting gold savings through BRIMO?

To start saving gold on BRIMO, users need to download the app, log in using their BRI account, and set up a gold savings account. After that, they can choose to set up regular contributions, view gold prices, and track their savings progress over time.