As inflation bites and market uncertainty persists, more investors are turning to gold—a long-standing safe haven asset, to preserve wealth and hedge against volatility. But while gold has a reputation for stability, many still perceive it as requiring high upfront capital and complex logistics.
Despite that, the perception is slowly changing along with the banking and Financial Technology (fintech) innovation.
In Indonesia, the digital banking platform BRImo by Bank Rakyat Indonesia (BRI) is making gold investment more accessible than ever, including for foreign nationals. With its Nabung Emas (Gold Saving) feature, users can start investing from as little as 0.01 grams, offering a low-barrier entry point for both new and seasoned investors.
Is Gold Still Worth It?
The short answer: yes—with conditions.
Gold remains a favourite among investors during economic downturns. Its value tends to remain steady even as other assets fluctuate. In Indonesia, gold continues to attract both day traders and long-term holders who view it as a store of value.
Whether bought physically or digitally, gold provides high liquidity, meaning it can be converted into cash quickly when needed. However, unlike equities or bonds, gold does not generate interest or dividends. As such, it should serve as part of a diversified portfolio rather than the sole investment vehicle.
Staying informed about market trends, monitoring price fluctuations, and buying from reliable platforms like BRImo can help maximise returns while mitigating risks.
Can Foreigners Buy Gold in Indonesia?
Yes, they can.
Foreign nationals are allowed to invest in gold under Indonesian regulations, provided they comply with local taxation and financial rules. This opens up opportunities for expatriates and international investors looking to diversify their portfolios while living in or doing business in Indonesia.
A Modern Solution: Digital Gold Investment with BRImo
One of the major drawbacks of physical gold ownership is storage. With digital investment, that problem disappears.
Through BRImo, BRI offers a regulated, secure platform for both Indonesians and foreigners to purchase and manage gold investments digitally. Users can invest incrementally from 0.01 grams, track their portfolio in real time, and enjoy the convenience of digital banking—all under one app.
With lower entry points, ease of use, and inclusive access for non-Indonesians, BRImo’s digital gold saving feature reflects a broader shift towards financial democratisation. For anyone looking to build financial resilience in Southeast Asia’s largest economy, this could be a golden opportunity.
Why BRImo’s Digital Gold Saving Outshines Traditional Methods
BRImo offers several advantages over conventional gold investment:
Invest from Just 0.01 Gram
No large capital needed. BRImo allows its users to save gold in micro amounts, making it accessible for all income levels.
Real-Time Digital Transactions
All purchases and sales are processed online via the BRImo app, no need for any branch visits or physical gold shops required.
Competitive Buy and Sell Prices
With transparent, market-driven pricing, BRImo ensures users benefit from optimal returns on each transaction.
Regulated and Secure Storage
All digital gold is securely stored with Pegadaian and regulated by Indonesia’s Financial Services Authority (OJK), offering peace of mind and credibility.
Option to Convert to Physical Gold
Users can easily convert their digital holdings into physical gold at Pegadaian, with a seamless and convenient process.
How to Start Saving Gold with BRImo
Digital gold saving is now as simple as a few taps:
- Open the BRImo app and select the Gold Saving feature
- Choose the purchase amount (starting from 0.01 grams)
- Complete payment directly through the app
- Monitor gold prices and transactions anytime via BRImo
- Optionally, convert digital gold into physical form at Pegadaian
Smart Tips to Maximise Returns from Gold Investment
To get the most from your gold investments, consider these strategies:
- Buy when prices dip to maximise potential upside
- Use the auto-debit feature for consistent, hassle-free saving
- Track price movements through the app to time purchases or sales
- Hold for the long term—gold tends to perform better over extended periods
BRImo becomes the pioneer of the practical gold investment in Indonesia, low-barrier, and fully digital. Users benefit from secure storage, competitive pricing, and an intuitive app interface.
With trusted oversight, ease of access, and a wide reach, BRImo is well-positioned to serve both seasoned investors and newcomers seeking to preserve wealth and build a stable financial future.
For more information on BRImo’s gold saving feature, visit: http://bbri.id/tabunganemasbrimo
