DIGIVESTASI - On Thursday (3/10/2024), the gold price of PT Aneka Tambang Tbk (Antam) was recorded to have increased by IDR 5,000 per gram, reaching IDR 1,496,000 per gram. This increase puts the price of gold at an all-time record high. Gold, like property, is a real asset that is often considered a safe and stable investment, with a value that tends to increase in the future.

However, which is more appropriate as an investment choice: gold or property? Both assets have different characteristics, each with its own advantages and disadvantages. Here is a comparison between gold and property investment :

Advantages of Property Investment
1. Value Tends to Rise
   Property prices usually increase over time, especially if it is in a strategic location. With good planning, property can provide significant benefits from value appreciation.
   
2. Passive Income
   In addition to the benefits of rising prices, property can generate passive income through rentals, providing a steady cash flow every month.

Disadvantages of Property Investment
1. High Initial Capital 
   Buying a property requires a large amount of capital, including a down payment and periodic maintenance costs and property taxes. In addition, if the property is rented out, there is a risk of damage by irresponsible tenants.

2. Less Liquid  
   Property is a less liquid investment as the sale process can take months to years, depending on market conditions.

Advantages of Gold Investment
1. High Liquidity
   Gold is easy to sell and cash out at any time, making it a flexible option, especially in emergencies.

2. Wealth Protector 
   Gold is considered a hedge, especially when economic conditions are unstable. When inflation is high or currencies are weak, gold prices tend to stabilize or increase.

3. Small Starting Capital
   Gold can be purchased in small amounts, there are even digital gold options with investment capital starting from IDR 10,000. However, make sure the company providing digital gold has an official license from the regulator.

Disadvantages of Gold Investment
1. Does Not Generate Income
   Unlike property, gold does not generate passive income. Profits are only obtained if the price of gold rises and is resold.

2. Storage Costs
   Physical gold is at risk of being lost or stolen, so additional costs are required for storage, such as buying a safe or using a storage service.

Choosing the Right Investment
The right investment choice depends on your goals and risk profile. If you want regular income and have a lot of capital, property can be an attractive option. However, if you need an investment that is more flexible and easy to liquidate, gold may be a better option.
Portfolio diversification by combining gold and property, as well as other instruments such as stocks and mutual funds, can be a wise strategy to maximize long-term profit potential.

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