{
    "success": true,
    "data": {
        "id": 1744588,
        "msgid": "rupiah-plummets-strategies-for-managing-savings-safely-1780691891",
        "date": "2026-05-17 19:09:00",
        "title": "Rupiah Plummets: Strategies for Managing Savings Safely",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Finance",
        "summary": "The weakening of the Rupiah against the US dollar has raised concerns about the security of savings and investments. Experts advise prioritizing essential spending, delaying non-essential purchases, and considering stable investment instruments like government bonds (SBN) or money market mutual funds to mitigate risks.",
        "content": "<p>JAKARTA, KOMPAS.com - The weakening of the Rupiah against the US\ndollar has raised concerns about the security of savings and investments\nin appropriate instruments.<\/p>\n<p>The Rupiah has continued to weaken, briefly reaching Rp 17,600 per US\ndollar.<\/p>\n<p>This situation is making goods more expensive, especially imported\nones.<\/p>\n<p>\u201cIf our income is limited, we must manage expenses by prioritizing\nwhat is truly important and essential,\u201d he told Kompas.com, quoted on\nSunday (17\/5\/2026).<\/p>\n<p>\u201cIf there are no immediate needs or urgencies, it is best to postpone\nthem. So, focus more on saving money,\u201d Andi added.<\/p>\n<p>He said that for people who have extra funds to invest, they can\nchoose instruments such as retail Government Bonds (SBN), including ORI\nand Retail Sukuk, which are considered more stable than other\ninstruments.<\/p>\n<p>In addition, money market mutual funds are also mentioned as a\nrelatively safe option for beginner investors or those who want high\nliquidity.<\/p>\n<p>This instrument places funds in deposits and short-term debt\nsecurities, so the risk is relatively low compared to stocks.<\/p>\n<p>\u201cAnother alternative, for example, if you\u2019re not patient with\nmovements in bonds like ORI, you can choose fixed income or money market\nmutual funds. The profits are currently coming from those two,\nespecially money market funds,\u201d he explained.<\/p>\n<p>He said that at least a 3-year period is needed for gold\ninvestments.<\/p>\n<p>In addition to gold, some people can also consider saving or\ninvesting in US dollars as a form of asset diversification.<\/p>\n<p>However, Andi reminded that foreign exchange investments should not\nbe done because of trends or FOMO (fear of missing out), but for clear\npurposes such as overseas education needs or protecting the value of\nassets.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/rupiah-plummets-strategies-for-managing-savings-safely-1780691891",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}