Pegadaian Gold Savings via M2U ID App

Saving gold is now easier and just within your grasp with Pegadaian Gold Savings via M2U ID App.

• Gold transactions in M2U ID App start from Rp 10,000.
• Buy gold periodically
• Pegadaian real-time daily gold value information

Experience the convenience of gold saving now!

Manage Maybank Credit Cards on the M2U ID App

Enjoy easy access to all Credit Card information with the latest Credit Card Management feature on M2U ID App.

• View CVV and copy credit card number
• View transaction history and convert bills to installments
• Reset PIN and block card

Manage your Credit Cards easily anytime, anywhere! #M2UinAja

Secure2u

Your transaction convenience is certainly our priority. Therefore, Maybank utilizes Secure2u to ensure the security of your transactions on M2U ID App. Secure2u is a transaction feature conducted with a Passcode without the need to wait for a Transaction Authorization Code (TAC). Create a Passcode consisting of a 5 - 8 digit PIN, be sure to use a strong passcode, avoid using your date of birth, and change passcode regularly.

Maybank QR Pay 

Shop anything-anywhere, swiftly. To support your needs, use Maybank QR Pay feature for transaction convenience at all QR Pay merchants with QRIS logo. Real-time transaction notifications will also be sent via SMS and email.

Get extra balance in your gold savings from up to Rp100,000 by opening a Pegadaian Gold Savings account via M2U ID App

It's time to choose an easy and practical long-term investment with digital gold savings. Make your first purchase of digital gold on M2U ID App and get extra balance in your gold savings of up to Rp100,000 during the promotion period. Open a Pegadaian Gold Savings account on M2U ID App now!

Period: 18 December 2023 – 31 March 2024.

Get Rp30,000 cashback with a minimum of 4 transactions using Maybank QR Pay via M2U ID App.

Shopping, dining out, or buying your favorite snacks is more convenient with Maybank QR Pay via M2U ID App. Get Rp30,000 cashback with a minimum of 4 transactions totaling Rp100,000 during the program period!

Period 7 February – 5 March 2024.

Gold saving is easier and more affordable on M2U ID App

No more relying on safes or bank vaults to store or save gold. With rapid advancement of technology, the Pegadaian Gold Savings account on M2U ID App becomes a practical solution for those who want to start saving gold. Here are 3 (three) tips to maximize your saving experience!

1. Set Your Saving Goals
   Before you start, establish your goals first. Are you saving for long-term investment, asset value protection, or emergency preparedness? By understanding your objectives, you can devise a suitable saving strategy.
2. Utilize Regular Gold Saving Feature
   Activate regular purchase settings with a schedule and amount that aligns with your financial capabilities. This will help build healthy saving habits.
3. Monitor Gold Value Trends
   With real-time information on Pegadaian's gold value, observe patterns and trends in gold value. This can assist you in deciding the opportune time to save gold.

The Pegadaian Gold Savings account on M2U ID App offers convenience and flexibility for anyone looking to start saving gold. Open a Pegadaian Gold Savings account on M2U ID App now and take note of the tips above.

Question

As a young professional with an initial income, how can I prioritize income allocation for short-term and long-term investments in this year's financial plan?

Answer
By: Johan Harsa, Head, Bancassurance & Investment Sales Maybank Indonesia

At the beginning of this new year, it's understandable if we have many hopes and resolutions, including in terms of income management and allocation for long-term and short-term investment needs.

The first thing to determine is the investment goal. There are two types of investment goals, short-term and long-term. Identify and determine which should be prioritized.

For short-term goals, prioritize building an emergency fund equivalent to at least three times your monthly expenses. If you still have short-term debts such as credit card debt or unsecured loans, settle the ones with the highest interest rates first.

Once short-term needs are met and the budget is well allocated, it's time to allocate a portion of your income for long-term investments, such as your child's education fund and retirement savings, ideally not less than 10% of your income.

Lastly, you can choose from various investment instruments/types, such as government bonds, treasury bills, mutual funds, and stocks. Make sure they align with your risk profile and investment objectives.

By considering these aspects, you can create a balanced financial plan, addressing both short-term and long-term needs while laying the foundation for future financial stability. 

You can also make use of 360 Digital Wealth feature on M2U ID App to plan your financial goals, monitor your investment assets, and track your expenses.