In recent years, many Indonesians have watched the rupiah swing up and down, especially during global economic shifts. Whenever the currency dips, everyday things become more expensive, from imported goods to online subscriptions, and savings held only in rupiah can feel a little less secure.
As more people work online, earn from global platforms, or simply want a financial safety net, it’s becoming common to look for smarter ways to store money beyond a single currency. This guide will walk you through practical, safe options for protecting the value of your income, especially when the rupiah shows signs of weakening. You’ll learn how to keep your money stable, flexible, and ready for whatever the economy brings next.
Also read: FX-saving strategies every freelancer in Indonesia should know
Keeping part of your savings in strong foreign currencies can help protect your money when the rupiah weakens. You’re not replacing IDR, just balancing it. Holding USD, EUR, or SGD gives you stability, especially if you earn online, shop internationally, or travel. It’s a simple way to keep the value of your money steady.
How to get started:
Gold remains a favourite in Indonesia because it holds value even when the rupiah drops. Whether you choose physical gold or digital emas, it’s a timeless way to store wealth without worrying about daily currency fluctuations. It’s ideal if you want long-term protection and something that grows steadily over time.
How to get started:
A balanced stock portfolio helps your money grow while reducing risk. By mixing Indonesian stocks with global companies, you’re not relying on one market or currency. This helps your savings keep pace with inflation and gives you a stronger financial foundation, especially during times when the rupiah feels unpredictable.
How to get started:
Also read: Best cities in Indonesia for digital nomads on a budget
Property is one of the most stable long-term investments in Indonesia. Even when the rupiah moves, real estate tends to hold or increase in value. Whether you buy to live in, rent out, or simply hold, it provides a physical asset that isn’t easily affected by currency fluctuations.
How to get started:
Government bonds like ORI and SBN offer one of the safest ways to secure your money in Indonesia. They provide predictable returns and low risk, even during economic uncertainty. You get regular interest payouts while keeping your savings insulated from short-term currency fluctuations. It’s a calm, reliable option for long-term planning.
How to get started:
Imagine waking up to check your savings, only to find the rupiah has dipped again. It’s stressful, right? That’s why smart Indonesians are looking beyond just local currency. By spreading your money across different investments and holding stable foreign currencies, you can sleep easier. Grey provides a secure, efficient way to manage funds in USD, EUR, and GBP while keeping your money accessible and protected.
Open a Grey account to keep your money safe.
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