Gold or property investment? This is one of the big decisions we often face. Both have a strong reputation as promising long-term investment instruments.

However, before you decide to allocate funds to one or even both, it is important to understand the advantages, risks, and unique characteristics of each asset.

Undeniably, both gold and property have their own charms. Gold is known to be stable and easy to liquidate, while property promises the benefits of ever-increasing value and passive income potential.

Let’s take an in-depth look at investing in gold or property, so that you can make the choice that best suits your financial goals and lifestyle.

1. Investing in Gold or Property from Advantages

Investing in gold or property is often a dilemma, especially for novice investors. Gold is a favorite choice because of its ease of purchase, storage, and sale. It requires no maintenance costs, is not affected by location or regional market trends, and can be purchased in a more practical digital form.

In addition, gold tends to be stable against inflation. In times of economic uncertainty, gold prices tend to rise, making it an effective hedging instrument.

On the other hand, if we compare gold or property investments, then property also excels in terms of long-term value. The increase in land and building prices over time often exceeds the inflation rate. In addition, property can generate passive income from rentals, be it houses, apartments or shophouses.

However, property is not without its challenges. It requires a large initial capital, complicated legality processes, as well as the risk of damage or rental vacancies. Therefore, this investment is more suitable for experienced investors who are ready to actively manage the property and have sufficient funds.

2. Gold or Property Investment, Which is Safer

When it comes to investing in gold or property, the risk aspect is also an important consideration. Gold tends to be more stable and liquid. Gold prices do fluctuate, but rarely experience extreme declines in a short period of time. The risk of loss can be minimized if investors are patient and choose the right time to sell.

Property, while increasing in value over the long term, is more vulnerable to changes in government policies, market conditions, and natural disasters. Property prices can stagnate for a long time, and if not rented out, investors will not get monthly income.

Also Read: 5 Ways to Make Effective Financial Planning – Treasury

3. Ease of Access and Technology

Technological developments are also an important factor in choosing gold or property investments. Currently, digital gold investment can be done only through applications on cell phones. No need to bother storing physical gold at home or safe deposit box. With just a few clicks, you can buy or sell gold at any time.

Meanwhile, property investment requires a longer process. Starting from location surveys, legal agreements, tax payments, to building maintenance. Although there are now digital platforms for buying and selling property, the process is still more complex than investing in gold.

4. Financial Goals and Lifestyle

The choice between gold or property investment should be adjusted to your financial goals and lifestyle. If you have medium to long-term goals such as emergency funds, education costs, or want to be flexible in withdrawing funds, then gold is more ideal.

However, if your goal is to build long-term wealth, own fixed assets, or create passive income, then property is worth considering. Many successful investors combine the two to get the maximum benefit from portfolio diversification.

Digital Gold Investment at Treasury

If you decide to choose gold as an investment option, now there is no need to bother buying physical gold. Through Treasury, you can start investing in digital gold easily, safely and affordably.

With investments starting from as little as Rp5,000, secure gold storage, and easy buying and selling through the app, Treasury is the modern solution for anyone who wants to start investing in gold.

What are you waiting for! Let’s start investing in digital gold at Treasury.