Tips on Setting Money with Remaining Salary while Golding is one of many people’s favorite investment fields as it is considered the safest (safe haven). Not surprisingly, gold is called a crisis-vulnerable investment.
When people are crowded with loose dollars, selling stocks, bonds, and reps in times of crisis, gold is actually being pushed or bought. It is appropriate that the price of gold had risen to the highest level when pandemi last year.
Today’s gold investment is not as steep in physical form as gold bars, gold jewelry. But the other one is online gold savings.
Save gold on online gold investment platforms bespoke and Antam, as well as through online shopping sites. Yes, saving gold to achieve investment goals, such as home DP, costs marriage, child education expenses, and others.
Are you one of the ones who likes to save gold? Saving gold for long-term investments has both advantages and disadvantages. Here’s a benefit to saving gold:
The Benefits of Saving Gold
1. Easy to thaw
It is the first advantage of gold savings that is easy to cash. It means it’s easy to sell again when it urgently needs cash. To save gold in jewelry, just sell it to the store gold.
Those with gold bars or precious metals, can be pawned or sold to a pawnshop, Antam, or gold shop. If you have online gold savings, make sales transactions through your onsite application save money. The process is very easy and fast.
2. The price tends to be stable
Saving gold is just like protecting the value of wealth. Because, the price of gold tends to be stable. Even if it rises or falls, it will not be as drastic as stock prices.
Therefore, gold is known to be the safest investment. The risk is minimal, because even if sold again, you can still get optimal results.
If you invest in deposits, you will be taxed at 20 percent for deposits of more than Rp 7.5 million. While the tax rate is 15 percent when investing in government debt.
But saving stocks for investment is tax-free. Income Tax (PPh) Article 22 shall instead be imposed on business entities that sell gold. So, not charged to the buyer.
Saving gold is just like investing in sharia products. Because, gold savings transactions follow sharia law, which means there is no interest.
5. Small capital, less than Rp 10,000
Buying one gram of physical gold should prepare a money of around Rp. 900 thousand. But saving gold online just needs pennies.
You can already save gold online with capital starting at Rp. 5,000. Some even offer capital of 100 rupiah or 0.0001 gram.
Gold Saving Disadvantages
1. Failure to make regular supplementary income
The name investment certainly expects to be able to make additional earnings every month or every year. Examples include deposits as well as debt or bonds.
But not by saving gold, for there is no interest or coupon. You can only make a profit when you sell gold. That’s when the selling price is higher than the buying price.
2. Must save new long-term gold profit
The result of saving gold for investment will be felt when done in the long run. It means more than five years. Examples of gold prices in 2011 ranged from Rp. 500,000an per gram.
Currently, the price of gold is hitting Rp. 900,000 a gram. That means, the turnover is about 80 percent within 10 years. If you have 10 grams of gold in 2011 worth Rp 5 million, it is sold tathese huns at the above price, then total about Rp 9 million.
Good thing it’s around IDR 4 million. Compare when you save short-term gold. Buy 10 grams of gold in September 2011, when the price was IDR 557,000 per gram. Then it was sold in the same month in tahun 2012 for IDR 575,000 per gram. You only earn Rp. 180,000.
3. Fake gold
There are only bad guys who practice gold counterfeiting to make big profits, especially when gold prices soar. One of his modes slashed silver by plating gold.
Fake gold was then formed jewelry and sold to the public. If you are not careful when buying gold, you may be a victim of fraud. So make sure that you save gold in benfor jewelry, buy gold at a trusted family subscription store.
Meanwhile, if saving gold online, choose a place or platform that has a permission or is registered officially by the Financial Services Authority (OJK), the Ministry of Commerce, or Bappebti to be safendar of fraud.
4. There are gold and administrative care fees
For those of you saving gold online, there are administrative costs such as opening an account, selling or buying transaction costs from a gold savings provider’s service.
In addition, there is also a cost of gold childcare facilities per year. The magnitude depends on each provider. As well as the cost of printing gold, because even if saving gold online there is still a physical.ganggur