Rupiah Plummets: Strategies for Managing Savings Safely

JAKARTA, KOMPAS.com - The weakening of the Rupiah against the US dollar has raised concerns about the security of savings and investments in appropriate instruments.

The Rupiah has continued to weaken, briefly reaching Rp 17,600 per US dollar.

This situation is making goods more expensive, especially imported ones.

“If our income is limited, we must manage expenses by prioritizing what is truly important and essential,” he told Kompas.com, quoted on Sunday (17/5/2026).

“If there are no immediate needs or urgencies, it is best to postpone them. So, focus more on saving money,” Andi added.

He said that for people who have extra funds to invest, they can choose instruments such as retail Government Bonds (SBN), including ORI and Retail Sukuk, which are considered more stable than other instruments.

In addition, money market mutual funds are also mentioned as a relatively safe option for beginner investors or those who want high liquidity.

This instrument places funds in deposits and short-term debt securities, so the risk is relatively low compared to stocks.

“Another alternative, for example, if you’re not patient with movements in bonds like ORI, you can choose fixed income or money market mutual funds. The profits are currently coming from those two, especially money market funds,” he explained.

He said that at least a 3-year period is needed for gold investments.

In addition to gold, some people can also consider saving or investing in US dollars as a form of asset diversification.

However, Andi reminded that foreign exchange investments should not be done because of trends or FOMO (fear of missing out), but for clear purposes such as overseas education needs or protecting the value of assets.