Gold prices have experienced a significant surge in recent times. Therefore, various considerations when purchasing gold are necessary to ensure that purchases are not simply driven by the Fear of Missing Out (FOMO) phenomenon.
The gold prices of PT Aneka Tambang Tbk (Antam) and Galeri24 both recorded an upward trend over the past week. From October 13-19, 2025, Antam gold prices rose Rp 123,000 per gram to Rp 2,428,000 per gram. Meanwhile, Galeri24 gold prices rose Rp 211,000 over the week to Rp 2,348,000 per gram.
Financial planner Mike Rini explains that one important consideration is setting a specific goal for purchasing gold. This allows buyers to be more disciplined in managing their gold assets.
- [Having a clear goal will help you be more disciplined. More disciplined. For example, if we accumulate money, invest in gold, and then have no goal in mind, we're often tempted to spend it on things we don't need. So, you have to define a specific goal first.]
If gold is intended as an investment instrument, Mike also believes that instrument diversification is still necessary.
So, don't just buy gold. If you're investing in gold, whether it's purely for the buyer or purely for investment, of course, there needs to be a strategy for allocating sufficient proportions. The concept of diversification is crucial if you're buying gold for investment purposes," he said.
Finally, Mike also urged people not to purchase gold with debt. He argued that buying gold, like buying other investment instruments, requires using "cold cash." This means that the money is not used for essential needs or daily needs.
Sometimes, just because gold is considered to be constantly rising in value, people become overconfident that they won't lose money. So they buy gold by what means? By borrowing," Mike said.
Therefore, he said, when buying gold, one crucial thing to remember is to ensure that the deposit amount aligns with your financial profile.
There are various financing options for gold. There are gold pawns, and there are also those that may be the buyer's own ideas. For example, they take out a loan to buy gold. I don't think that's the right approach. So, make sure you buy gold according to your investment capacity," Mike continued.
Meanwhile, financial planner Andy Nugroho observes that the FOMO phenomenon in gold purchases has actually been occurring since the price of gold began to rise and reached the Rp 2 million level several months ago. He views FOMO as quite beneficial, but gold purchases also require various considerations.
- In my opinion, this FOMO is a good FOMO, because people are encouraged to invest and not just spend their money on consumptive things.
According to Andy, one thing to consider if you're buying gold to resell it is to ensure you sell it at a time when the buyback price is higher than the purchase price.
Furthermore, buying gold in larger grammes is also cheaper. However, you still need to consider your financial situation.
If financially possible, buy gold in larger weights because the price will be cheaper. If you don't have enough funds, buy gold in smaller sizes gradually," said Andy.
Therefore, Andy also urges buyers to ensure their financial situation when deciding to buy gold. This will help avoid buying gold with debt.
[Don't buy gold with borrowed money,] he said.
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