Young Indonesians Increasingly Financially Literate, Gold Becomes Top Investment Instrument for 2026 – GoodStats Data

Indonesian youth’s awareness of the importance of investing continues to rise in 2026. Amid dynamic economic conditions and the growth of digital financial services, young people are actively seeking investment instruments deemed safe while offering long-term returns. According to a Muda Bicara ID survey, 51.9% of young respondents are currently investing, while 16% have never invested. A further 32.1% say they previously invested but no longer do. Jewellery gold is the most popular investment instrument at 33.6%. The high interest in jewellery gold indicates that many young people view it not only as an investment asset but also as a functional and aesthetic item. Gold is also considered relatively safe from sharp market fluctuations compared to other investment instruments, in addition to being easy to trade. The ease of opening online investment accounts and increasingly affordable initial capital have made this instrument more appealing to young people. Physical gold investment remains popular at 18.4%, while digital gold is chosen by 12.6% of respondents. Cryptocurrency assets also attract young people, with 11.6% interest. Despite high risks from significant price volatility, some youths remain drawn to crypto for its potential for quick returns. However, interest in crypto is lower than for gold and equities, signalling that many young investors are prioritising safety and stability when choosing investment instruments. Meanwhile, land and property investment is the least favoured, with just 0.7% of respondents selecting it. The National Muda Bicara ID Survey was conducted from 1-30 March 2026, involving 800 respondents aged 17-40. Data collection used computer-assisted self-interviewing, with stratified random sampling to ensure proportional representation across population subgroups.