INVESTMENT.RAKCER.ID – Is investing in gold profitable at the moment? Here’s what experts say.
As is well known, gold prices—especially precious metal bullion—have continued to rise over the past few months.
A significant increase occurred throughout 2025, and gold prices began climbing again in January 2026.
Based on monitoring at E-Mas Bank Syariah Indonesia (BSI) on Monday, January 26, 2026, the buying price per gram reached Rp2,985,000.
Meanwhile, the selling price or buyback per gram stood at Rp2,840,000.
This means the potential profit for those who invested from late December 2025 until January 26, 2026 has reached 12.70 percent.
However, conditions changed in late January 2026. The price of gold bullion instead fell quite sharply to Rp2,945,000 (buying price) and Rp2,600,000 for the selling or buyback price.
Pawning Sales Officer of Bank Syariah Indonesia (BSI) KCP Cirebon Siliwangi, Feby Bayu Adhi Darma, explained that many factors have contributed to the sharp rise in gold prices.
Recently, geopolitical tensions—such as the trade war between the United States and China, as well as the ongoing conflict between Ukraine and Russia—have pushed gold prices significantly higher.
These still highly crowded global conditions could drive gold prices even higher in 2026. Some global gold experts even predict that gold could reach 5,000 troy ounces, or exceed Rp3 million per gram.
“Currently, gold prices are approaching Rp3 million per gram, so they could potentially reach Rp4 million,” he said.
Under these conditions, gold investment can be concluded to have strong future prospects.
However, it should be noted for investors that gold investment is not meant for short-term speculation, but rather for long-term investment.
In response to the current high gold prices, investors are advised to remain consistent in buying gold regardless of price levels.
“Gold prices that are considered expensive today could be seen as cheap five years from now. Therefore, buy gold when you have idle funds that are not needed for short-term expenses,” he explained.
Meanwhile, starting a gold investment today does not require large capital. Through BYOND by BSI, Bank Syariah Indonesia has introduced a digital gold solution. Compared to purchasing physical gold, people can save gold digitally at a much more affordable price.
“By opening a savings account with just Rp50,000 on BYOND by BSI, customers can already start saving gold digitally,” he said.
This gold savings product is suitable for young people who want to save flexibly with adjustable amounts without feeling financially burdened.
With an initial amount of Rp50,000, gold saving can be done anytime and anywhere. Once the balance reaches 2 grams, the gold can be printed in physical form.
In addition, if the gold balance has not yet reached 2 grams, customers can still sell or pawn their gold through the application. This can be a solution when emergency funds are needed.
“As desired by the younger generation, it’s easy and flexible,” he added.
For workers who already have stable financial conditions, BSI also offers a Gold Installment Program through BYOND by BSI.
This program allows customers to purchase gold in installments with a minimum of 5 grams, with payment periods ranging from 1 to 5 years.
In addition to opening a gold savings account on BYOND by BSI, customers only need to pay a 5 percent down payment of the gold price.
“Currently, we are offering promotional souvenirs and a 0 percent down payment for gold installment products, subject to terms and conditions,” he said.
Going forward, BSI—which officially became a Bullion Bank on February 28, 2024—will introduce Gold ATMs in Cirebon.
After being launched in several major cities such as Jakarta and Bandung, Gold ATMs are planned to arrive in Cirebon this year.
“One important thing to remember when investing in gold is that it is a long-term investment, and optimal returns are typically felt after at least five years,” he concluded.