7 Advantages and Disadvantages of Pegadaian Gold Savings, Understand the Investment Requirements

Kapanlagi.com - There are various ways to invest, whether it's with cash savings, gold, or property. For example, the type of Pegadaian gold savings that provides services for those who want to invest in gold. However, there are advantages and disadvantages of Pegadaian gold savings that need to be understood, as well as understanding its investment form.

Long-term and short-term investments need to be done, especially if you have plans or goals in the future. One of the investment options is gold savings. As the name suggests, gold savings is an investment in the form of gold, either in physical or digital form.

Yes, the public is already quite familiar with Pegadaian gold savings, which makes it easy for everyone to invest in gold. In short, with Pegadaian gold savings, people can deposit their gold balance in the form of savings or physical gold. Pegadaian, as the provider of such services, claims that investment can be done easily, cheaply, safely, and reliably.

However, it is important to understand the advantages and disadvantages of Pegadaian gold savings for those of you who are interested in investing in gold. As for the advantages and disadvantages of Pegadaian gold savings, you can read them in the following review. Here are the advantages and disadvantages of Pegadaian gold savings that have been summarized by kapanlagi.com from various sources.

1. Advantages of Gold Savings Pegadaian

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There are several advantages of gold savings in Pegadaian that need to be understood before investing. The advantages of gold savings in Pegadaian can be taken into consideration whether you want to invest in gold in Pegadaian or switch to other types of investments. The advantages of gold savings in Pegadaian are as follows.

1. Gold Savings are Safer and More Reliable

The first advantage of gold savings in Pegadaian is that they are safer. As is known, Pegadaian is one of the official companies that provides services to the public in various functions, both investment and other transactions. One of them is gold savings in Pegadaian.

Gold savings in Pegadaian are known to be safer and more reliable, as this company is supervised by the Financial Services Authority (OJK). In addition, with gold savings in Pegadaian, your investment is also safer because it is stored and guaranteed by Pegadaian. This is the advantage of investing in gold in Pegadaian.

2. Easy and Practical

The advantage of gold savings in Pegadaian also lies in the ease of transactions and gold investments. This is because gold investment can be done from anywhere through bank transfers, either through ATMs or online to top up your gold savings balance. So you are not required to come directly to Pegadaian.

2. Advantages of Gold Savings at Pegadaian

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Still related to gold savings at Pegadaian, here are some other points that you need to understand. As for the advantages of gold savings at Pegadaian, they are as follows.

3. Can Be Withdrawn in Physical Form

Another advantage of gold savings at Pegadaian is that it can be withdrawn in physical form. Because when you have opened a gold savings account at Pegadaian, you can also withdraw it in physical form. As reported on the pegadaian.co.id website, gold savings can be printed in the form of gold bars with various types such as Antam, UBS, or Galeri. There are several printing options that can be chosen, ranging from 1 gram to 100 grams. Physical gold printing can be done when the balance is sufficient to perform physical printing. However, after the printing process, you are required to have a balance of approximately 0.1 grams to keep the savings account active.

4. Lighter Administration

Just like opening other savings accounts, opening a gold savings account at Pegadaian also requires administrative fees. However, the administrative fees for opening a gold savings account at Pegadaian tend to be lighter. The range for opening a savings account is only Rp 10,000, while the investment cost for gold for 12 months is Rp 30,000. It is quite affordable to open your savings account, KLovers.

5. Can Buy Gold at a Cheaper Price

Another advantage of gold savings at Pegadaian is being able to buy gold at a cheaper price. So you don't have to worry about not having enough funds to buy gold when you want to invest in gold. Because at Pegadaian, gold investment can start with a weight of 0.1 grams. So you can save gold at a cheaper price and it is easy for investment. The price range is between Rp 50,000 to Rp 70,000.

3. Advantages of Gold Savings at Pegadaian

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6. More Guaranteed

The advantages of gold savings at Pegadaian are more guaranteed. Through pegadaian.co.id, gold savings are guaranteed with 24 karat purity. The management and storage of your gold savings are also ensured. So, this can be a consideration for you to invest in gold.

7. Buyback Option

In addition to gold savings, you can also sell back gold at Pegadaian. Yes, this way you don't have to worry and be confused if you want to sell gold again. This is also an advantage of gold savings at Pegadaian.

4. Disadvantages of Gold Savings at Pegadaian

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After understanding some things related to the advantages of gold savings in Pegadaian, it is also important to know what the disadvantages of Pegadaian gold savings are. The disadvantages of Pegadaian gold savings can be seen through the following review.

1. Cannot be Printed in All Pegadaian Outlets

The first disadvantage of gold savings in Pegadaian is that it cannot be transacted in all outlets. Because you can only transact by printing orders at the outlet where you opened the gold savings account. So this is the disadvantage of Pegadaian gold savings.

2. There is a Minimum Weight for Withdrawal

The next disadvantage of Pegadaian gold savings is the existence of a minimum withdrawal. Because there is a minimum weight that needs to be considered by customers when they want to open a gold savings account at Pegadaian. Some of the minimum weights are that you must have a gold balance of around 0.1 grams to keep the savings account active, as well as the storage fee. Meanwhile, to withdraw it in cash, you must have a minimum weight of 5 grams.

5. Shortage of Pegadaian Gold Savings

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3. Administrative Fees

Another drawback of Pegadaian gold savings is the presence of administrative fees for gold savings deposits and other transactions. For example, to enjoy the deposit facility for one year, a fee of around Rp 30,000,- must be paid. Meanwhile, printing gold bars also incurs administrative fees based on the type of gold bar, whether it is Antam, UBS, or Galeri 24.

4. Buying and Selling Exchange Rates

Another drawback of gold savings in Pegadaian is the presence of buying and selling exchange rates. As known, gold savings usually have a difference when you want to make a purchase or sale. To find out the buying and selling exchange rates, you can directly visit the website pegadaian.co.id or visit the nearest outlet.

6. Requirements for Pegadaian Gold Savings

After understanding the advantages and disadvantages of Pegadaian gold savings, here are some requirements that customers need to know. The requirements for Pegadaian gold savings are as follows.

1. Have a valid identification (ID card/Passport)

2. Fill out the gold savings account opening form

3. The transaction fee for gold savings for account opening administration is Rp 10,000,- and the deposit facility for 12 months is an administration fee of Rp 30,000,-.

Those are the 7 advantages and disadvantages of Pegadaian gold savings. For more details, you can visit the nearest Pegadaian outlet or visit the website pegadaian.co.id.

(kpl/nlw)