Pluang Survey: Gold as the Favorite Investment Instrument During Pandemic

Pluang has just conducted a survey involving 5500 respondents from a number of major cities in Indonesia. Focusing on investing and saving behavior for the millennials. One of the findings, gold is the main choice (32%) for this age group during this pandemic for investment.

Pluang’s VP Business Development, Humprey explained, there are some factors that cause gold to be the top choice for millennials. One of them is affordability with promising reciprocity.

“As many as 32% of the millennial generation reportedly tried new investments, namely gold. This is the highest percentage compared to other well-known investments such as mutual funds, stocks, and deposits,” Humprey said in his presentation.

Humprey’s presentation shows that the new investment in gold chosen by their respondents far outperformed other forms of investment such as stocks (15%), mutual funds (16%), deposits (8%), to p2p lending (4%). Another factor that helped catapult the popularity of gold in the Kiwari group was the price of gold which had risen significantly in the April-July 2020 period.

This survey actually captures that the budget for investment tends to decrease. Millennials are known to save more during this pandemic. Millennial saving enthusiasm is known to increase by around 5-10%. However, the pandemic factor has also caused the millennial generation’s budget allocations to change a lot. The costs of transportation and travel are two budget items that have diminished considerably since the pandemic began.

The unprecedented situation due to the Covid-19 outbreak is enough reason for millennials to allocate more money to save. The need for pension funds, emergency funds, family savings, buying property, medical expenses, and education funds are respondents’ top priorities when saving.

Nevertheless, the survey overall found that millennials still prefer to save their money in the form of investment (59%) rather than saving (41%). Meanwhile, the most attractive investment, as mentioned earlier, is gold.

“There are 54% of millennials having new investment during the pandemic and gold is the main choice,” said Humprey.

As a digital investment platform, he believes gold offers great opportunities for companies during a pandemic. Gold is indeed one of the investment products offered by Pluang along with other products. The Pluang movement to take advantage of this opportunity has actually been seen since actively engaging other platforms to offer gold investment products.

Gojek and Dana are two of the names they have partnered with over the past few months. Humprey also admits that this is reflected in their current user profile and activity. “So the big picture of investment is very attractive, especially in gold, especially during this pandemic,” he added.

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Original article is in Indonesian, translated by Kristin Siagian

Survei Pluang: Emas Jadi Instrumen Investasi Favorit Selama Pandemi

Pluang baru saja menggelar survei yang melibatkan 5500 responden dari sejumlah kota besar di Indonesia. Berfokus pada perilaku investasi dan menabung generasi milenial. Salah satu temuannya, emas jadi pilihan utama (32%) bagi angkatan usia tersebut selama pandemi ini dalam berinvestasi.

VP Business Development Pluang Humprey menjelaskan, ada sejumlah faktor yang menyebabkan emas jadi pilihan utama milenial. Salah satunya adalah keterjangkauan dengan timbal balik yang cukup menjanjikan.

“Sebanyak 32% generasi milenial dilaporkan mencoba investasi baru yaitu emas. Ini merupakan persentase tertinggi dibandingkan dengan investasi lain yang banyak dikenal seperti reksa dana, saham, dan deposito,” ucap Humprey dalam paparannya.

Paparan Humprey memperlihatkan investasi baru berupa emas yang dipilih responden mereka jauh mengungguli bentuk investasi lainnya seperti saham (15%), reksa dana (16%), deposit (8%), hingga p2p lending (4%). Faktor lain yang turut membantu melambungkan popularitas emas di kelompok kiwari ini adalah harga emas yang sempat naik signifikan pada periodel April-Juli 2020.

Survei ini sejatinya menangkap bujet untuk investasi cenderung berkurang. Milenial diketahui justru lebih menabung selama keadaan pandemi ini. Gairah menabung milenial diketahui meningkat sekitar 5-10%. Namun faktor pandemi juga yang menyebabkan alokasi anggaran generasi milenial banyak berubah. Biaya untuk transportasi dan pelesir merupakan dua pos anggaran yang berkurang jauh sejak pandemi berlangsung.

Ketidakpastian segala hal yang dibawa oleh wabah Covid-19 cukup menjadi alasan bagi milenial untuk mengalokasikan lebih banyak uang untuk menabung. Kebutuhan dana pensiun, dana darurat, tabungan keluarga, membeli properti, biaya kesehatan, hingga dana pendidikan menjadi prioritas teratas responden saat menabung.

Kendati demikian secara keseluruhan survei mendapati milenial masih lebih banyak memilih menyimpan nilai uangnya dalam bentuk investasi (59%) ketimbang menabung (41%). Sementara investasi paling dilirik, seperti disebut sebelumnya, adalah emas.

“Ada 54% milenial memiliki investasi baru selama pandemi dan emas adalah pilihan utamanya,” terang Humprey.

Sebagai platform investasi digital pun meyakini emas menawarkan peluang besar bagi perusahaan selama pandemi. Emas memang salah satu produk investasi yang ditawarkan oleh Pluang bersama produk lainnya. Gerakan Pluang memanfaatkan kesempatan ini sebenarnya sudah terlihat sejak giat menggaet platform lain untuk menawarkan produk investasi emas.

Gojek dan Dana adalah dua dari sekian nama yang mereka gandeng selama beberapa bulan terakhir. Humprey pun mengakui hal itu tercermin dari profil dan acitivity user mereka saat ini. “Jadi gambaran besarnya investasi sangat menarik khususnya emas terlebih di masa pandemi ini,” imbuhnya.

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