Maybe you haven’t thought about preparing a retirement fund. In fact, this is important so that you don’t need to go into debt when you are no longer working. One way to avoid that is to start investing now.

Well, one of the most ideal types of investment is gold. Maybe some of you don’t know that gold is very suitable for preparing retirement funds. Not without reason, this is because the price of gold always increases every year and is not too affected by inflation.

If you buy gold now, your gold will be very expensive in the future. With that said, let’s see more about;

5 Ways to Prepare Retirement Funds Using Gold

1. Set a Retirement Target

In preparing for retirement, it is very important to determine when you will retire. For example, you will retire at the age of 50 and now you are 20 years old, so you have 30 years to set aside some savings to buy gold. 

If every month you buy 1 gram of gold then within 30 years you will have 360 grams of gold or about 0.36 kg. In 2025, the price of gold is around Rp 1,555,000 per gram. So that in the next 30 years, which is 2055, the price of gold will be much higher than in 2025.

2. Utilize Dollar Cost Averaging (DCA) Strategy

The DCA strategy is a way of investing by buying gold periodically in equal amounts, regardless of the current market price. With this method, you don’t have to worry about whether the price of gold is high or low, as regular purchases will result in a more stable average price in the long run.

The main advantage of this strategy is that it reduces the impact of market volatility. If the price of gold goes up, you will own the asset at a lower price than your previous purchase, and if the price goes down, you can buy more gold for the same amount of money. With consistent commitment, you can build a solid gold portfolio for retirement.

3. Choose the right type of gold

Choosing the right type of gold to prepare for retirement is very important to ensure that the investment matches your financial goals. Here are some types of gold to consider.

• Gold Bars: Gold bars are the top choice for those who want to store large amounts of gold with a high purity grade, usually 24 carats. They are easier to resell and have lower production costs than jewelry.
• Gold Jewelry: If you want to have gold that can also be used daily, gold jewelry can be an option. However, keep in mind that the price of gold jewelry is higher due to manufacturing and design costs.
• Digital Gold: Digital gold is a more practical and modern option. You can buy, store and sell gold at any time through online platforms without having to worry about physical storage. Digital gold often has low administration fees and allows for more flexible transactions.

4. Keep Gold Safe

In preparing for retirement, it is very important to maintain and ensure that your gold is still intact and in good condition. If you invest in gold bullion then you can use a personal safe with tight security from theft and resistance to disasters such as fire or flood.

If you are investing in digital gold to prepare for retirement, make sure that the gold platform is trusted and has certification from an authorized institution and has strong system security so that it cannot be hacked.

5. Buy Gold In A Trusted Place

To make gold investment for retirement funds really safe and profitable, make sure you buy gold in a trusted place. Choose an institution or platform that already has official certification and a good reputation.

Buying gold in a trusted place helps you avoid the risk of counterfeit gold or fraud, so that gold investment for retirement funds can run safely and smoothly.

Preparing for Retirement with Treasury

One of the best ways to invest in gold is to use a trusted platform like Treasury because it has an official license from BAPPEBTI. With Treasury, you can buy digital gold easily and safely. 

The platform offers various attractive features, including guaranteed gold storage, transparent transactions, and easy access to buy and sell gold at any time.

By utilizing services like Treasury, you can more easily manage your gold investment for retirement. So, what are you waiting for? Start investing in digital gold now and prepare for a hassle-free retirement only at Treasury!.