Digital Gold Savings, an Investment Suitable for All Generations

22 December 2025

Many people want to start investing, but are often confused about choosing the right investment instrument. Amidst this confusion, investing in gold has become a reliable choice as an asset that is stable and consistent against economic fluctuations. Digital gold is also a modern solution that combines the advantages of conventional gold with the flexibility of technology.

Why is Gold the Right Choice for Saving?

• Inflation Resistant Asset

  Gold is known as a store of value that can maintain purchasing power when inflation rises. Historically, the price of gold tends to rise or remain stable, unlike cash, which can be eroded by inflation over time. Over the past 10 years, gold prices have shown a consistent upward trend, even amid various global pressures such as pandemics, inflation spikes, and geopolitical and international trade tensions. This confirms gold's role as an asset that retains its value in various economic conditions.

  Gold Price Increase Chart (IDR/gram, 2015–2025)

  

   source: macrotrends.net

  Disclaimer: Historical data is presented for informational and educational purposes. Gold price movements may fluctuate and do not guarantee future results.

• Liquidity and Flexibility

  Although physical gold has its own appeal, the buying and selling process takes longer because you have to go to a store, and there is also the risk of loss or damage. With digital gold, liquidity is higher because you don't have to go to a store, and the money can be transferred to your account in a short time.

• Can Start with Small Amounts

  Unlike physical gold, which requires a large initial capital, digital gold allows anyone to invest with small amounts, starting from IDR 10,000.

Comparison of Digital Gold Savings vs. Physical Gold Savings

With the development of technology, gold investments are now not only in physical forms such as bars or jewelry, but also in digital forms that can be purchased online through applications. Deciding where to invest in gold, whether physically or digitally, is an important question for beginner investors. To help you understand the differences, here is a brief comparison of digital gold and physical gold from various aspects:

Gold Value Growth Simulation

To provide a realistic picture, here is a simple simulation of the potential growth of digital gold savings in the medium and long term:

Monthly Regular Savings Simulation

• You save IDR 200,000 worth of digital gold per month.

• The price of gold at that time was IDR 2.2 million per gram.

• In one year, you invest IDR 2.4 million, which is equivalent to approximately 1 gram of digital gold, based on the latest gold price.

• Assuming a 5% annual price increase, the value of your savings can grow through regular monthly investments and the price of gold itself.

Lump Sum Purchase Simulation

• You make your first digital gold purchase worth IDR 5 million.

• If the gold price increases by 5–7% per year (conservative assumption), the value will increase over time.

• Part of the digital gold value can also be converted into physical gold if you wish to diversify your assets.

Note: The above simulation is illustrative. Gold prices may vary depending on global market conditions, the rupiah exchange rate, and the economic situation.

Benefits of Saving Digital Gold via the M2U ID App

Maybank Indonesia, in collaboration with PT Pegadaian, presents a digital gold investment service called Pegadaian Gold Savings via the M2U ID App, Maybank Indonesia's mobile banking app that offers many benefits, including:

1. 24/7 Online Transactions

   Everything can be done through one app, from opening a gold savings account, buying, selling, and even printing physical gold. No need to visit a branch or gold shop.

2. Transparent & Real-Time Prices

   The M2U ID App displays the latest gold buying and selling prices, allowing you to choose the best time to make a transaction.

3. Digital Gold Savings Starting from IDR 10,000

   Suitable for those who are new to investing or investors who want to get into the habit of saving regularly.

4. 24 Karat Purity

   Investments in Pegadaian Gold Savings on the M2U ID App are managed and guaranteed for purity by Pegadaian.

5. Convert to Physical Gold Feature

   One of the interesting features of Pegadaian Gold Savings on the M2U ID App is that you can convert digital gold into physical gold (bars).

6. Professional and Transparent Management

   Digital gold transactions in Pegadaian Gold Savings via the M2U ID App are managed transparently and professionally.

7. Regular Purchase Feature (Automatic Regular Investment)

   You can set up automatic gold purchases (auto debit) with weekly or monthly options. This feature helps you save with discipline.

Considering the low risk, affordable capital, and flexibility, saving digital gold via the M2U ID App is an attractive option, especially for those who are just starting out or want to diversify their assets without too much stress.

Tips for Consistent Gold Savings

To optimize digital gold savings as part of your long-term financial strategy, here are some practical tips:

• Set Financial Goals

  Start by determining your purpose for saving gold, whether it is for emergency funds, education funds, retirement funds, or simply long-term investment. Having a target will help you stay disciplined.

• Use the Regular Investment Feature

  Use the periodic digital gold purchase feature on the M2U ID App to set up automatic weekly or monthly gold purchases (auto debit).

• Monitor Prices Regularly

  Even if you save regularly, you still need to monitor gold prices. When prices fall, it may be an opportunity to buy more, and when prices rise, you can consider selling some or printing physical gold.

• Sell Digital Gold Selectively

  Consider selling some of your digital gold for emergency funds as one option. However, if your goal is long-term investment, hold on to it as much as possible to gain value growth.

• Convert to Physical Gold If Necessary

  If you want to store some of your gold as a physical asset, use the “Take Physical” feature in the M2U ID App. This gives you flexibility, allowing you to choose to keep some as “digital savings” and some as physical gold.

How to Invest in Digital Gold Routinely via the M2U ID App

To start investing in digital gold routinely., here are the steps or methods for investing in gold routinely via the M2U ID App:

1. Log in to the M2U ID App.
2. On the Main Page, swipe to the “investment & insurance” menu, then click the ‘+’ button.
3. Select the “Pegadaian Gold” product
4. You can read brief information about Pegadaian's Gold Savings Products and Services, then click “Continue”
5. Enter the amount of gold you want to purchase or the number of grams of gold, then click “Continue”
6. Click “Create Pegadaian Account”
7. Click “Take Photo” and make sure your e-KTP is clearly visible in the camera frame on the screen, then click ‘Continue’
8. Take a selfie by clicking “Take Photo”, make sure the entire area of the customer's face is within the camera frame & click “Continue” for the next process.
9. Complete the Additional Information, then click “Continue.”
10. Double-check that the customer data to be shared with Pegadaian for opening a Pegadaian account is correct, then click “Confirm.”
11. Read and check to agree to all terms and conditions, then click “Continue.”
12. Select the source account to be used for debiting the gold purchase transaction.
13. Verify the details of your gold purchase transaction and click “Confirm.”
14. Enter your Secure2u passcode.
15. Registration and gold purchase transaction successful. After the transaction is successful, the customer will receive a push notification and email notification.

Complete information can be viewed on this page.

Once this setting is complete, the system will automatically purchase gold according to the schedule, helping you save without having to remember all the time.

Saving digital gold through the M2U ID App is a smart and modern way to achieve your financial dreams. Enjoy the convenience of digital gold investment with real-time access, starting from IDR 10,000, regular purchase settings, and the option to convert digital gold into physical gold. Download M2U ID and start saving digital gold now!