Swan.my.id | Jakarta, Indonesia - Buying gold with a fixed amount every day is becoming an accessible way for Indonesian investors to build savings gradually. A simple strategy of buying gold for Rp100,000 a day can add up to a significant amount over time.
If the habit continues for three full years, the total money deposited would reach Rp109.5 million. However, the final value of the investment would depend on how gold prices move during that period.
A recent Pluang Insight analysis illustrates three possible outcomes for investors who buy gold regularly. The scenarios range from a bullish market to a sideways market and a prolonged decline in gold prices.
Buy Gold Rp100,000 a Day for Three Years
The basic calculation is straightforward. An investor who sets aside Rp100,000 every day for three years would make 1,095 daily contributions.
That means the total capital deposited would be:
Rp100,000 × 1,095 days = Rp109.5 million
This figure represents the money deposited, not the guaranteed value of the investment. The final portfolio value could be higher or lower depending on gold prices.
The strategy is similar to Dollar Cost Averaging, commonly known as DCA. Instead of investing a large amount at one time, investors make smaller purchases at regular intervals.
As a result, the amount of gold purchased can change from day to day. When prices fall, Rp100,000 can buy more gold. Meanwhile, when prices rise, the same amount buys less.
Over time, this approach can help investors avoid relying entirely on their ability to predict the best time to enter the market.
Three Gold Price Scenarios After Three Years
The potential outcome becomes clearer when different gold price assumptions are considered. The Pluang analysis uses historical market performance to create three illustrations.
Bullish Scenario
In the bullish scenario, gold prices continue rising at a pace similar to the historical period from 2021 to 2026.
During that period, Antam gold rose from about Rp941,000 per gram on September 1, 2021, to Rp2.624 million per gram on September 2, 2026. That represented an estimated compound annual growth rate of about 22.77%.
If the same annual growth rate were repeated for another three years, the simulation would produce an estimated final value of approximately Rp150.03 million.
That would represent an estimated gain of around Rp40.53 million, or approximately 37% above the total contributions.
However, this is only a historical illustration. It does not mean gold prices will repeat the same performance in the future.
Sideways Scenario
A second possibility is a more moderate market.
The analysis refers to the 2013-2016 period, when Antam gold prices moved relatively slowly. Prices increased from roughly Rp500,000 to Rp600,000 per gram during that period.
That performance corresponds to an estimated annual growth rate of around 6.27%.
If gold followed a similar path for three years, the Rp109.5 million in contributions could reach approximately Rp119.82 million.
The estimated gain would therefore be about Rp10.32 million, or roughly 9.4%.
This scenario shows that regular gold purchases do not automatically create large returns. Instead, the result remains closely connected to the underlying market performance.
Bearish Scenario
The third scenario considers a prolonged decline in gold prices.
For illustration, the simulation assumes gold prices fall by an average of 7% per year for three years. Under this assumption, the final value could fall to approximately Rp98.7 million.
That would mean an estimated loss of around Rp10.8 million, or approximately 9.9% of the deposited capital.
The scenario is designed as a moderate stress test rather than a prediction. Gold has experienced significant declines in the past, including a sharp fall in global gold prices during 2013.
Therefore, investors should not assume that gold prices will always increase simply because gold is traditionally viewed as a store of value.
Why Regular Gold Buying Can Help Investors
One of the main advantages of buying gold regularly is consistency.
Investors do not need to determine the perfect entry point every day. Instead, they follow a predetermined contribution schedule.
The approach can provide several practical benefits:
- Smaller regular contributions: Investors can start without preparing a large amount of capital at once.
- More disciplined investing: A fixed schedule can reduce emotional decisions.
- Price averaging: Investors purchase at different prices over time.
- Less dependence on market timing: The strategy does not require investors to predict daily price movements.
- Long-term focus: Regular contributions encourage investors to think beyond short-term market fluctuations.
Nevertheless, DCA does not eliminate investment risk. If gold prices continue falling, the value of accumulated gold can also decline.
Consistency Is Still the Biggest Challenge
A three-year simulation assumes that investors continue buying for all 1,095 days. Real life, however, can be different.
Investors may stop their contributions when markets become volatile. Some may become nervous when prices fall sharply. Others may stop buying after prices rise because they believe the market has become too expensive.
Both decisions can affect the long-term strategy.
The main purpose of regular investing is to maintain consistency through different market conditions. Therefore, stopping the plan during difficult periods can reduce the potential benefit of averaging prices.
Automatic investment features can help investors maintain their schedules. However, automation does not remove the need to understand the product, costs, risks, and personal financial objectives.
What Investors Should Consider Before Buying Gold
Gold can play a role in a diversified portfolio, but it should not automatically become the only investment asset.
Investors should consider several factors before starting a daily gold-saving strategy:
- Investment objective: Decide whether the goal is wealth preservation, diversification, or a specific long-term financial target.
- Risk tolerance: Understand that gold prices can rise and fall.
- Investment horizon: Regular gold purchases generally work better as a long-term strategy.
- Transaction costs: Spreads, fees, and applicable taxes can affect the final return.
- Financial capacity: Investment funds should come from money that does not interfere with essential expenses.
- Product characteristics: Digital gold products can have different terms, fees, and mechanisms.
In addition, gold does not pay interest or dividends like some other financial assets. Potential returns primarily depend on changes in its market value.
How the Three-Year Simulation Works
The calculation uses an equivalent monthly contribution of approximately Rp3.04 million, representing Rp100,000 per day.
That contribution is then compounded monthly over 36 months using the annual growth assumption for each scenario.
The three assumptions are 22.77% for the bullish scenario, 6.27% for the sideways scenario, and -7% for the bearish scenario.
Using monthly contributions makes the calculation easier to understand and reproduce. A detailed daily calculation using complete historical gold prices could produce a different result because actual gold prices change continuously.
Importantly, the simulation does not include transaction costs, buy-and-sell spreads, or taxes. Those factors could reduce the actual final value.
Is Rp150 Million a Guaranteed Result?
No.
The estimated Rp150 million figure is based on a historical growth scenario. It is not an official forecast or guarantee.
Gold prices can behave differently in the future. Economic conditions, interest rates, inflation, currency movements, geopolitical risks, and investor demand can all influence the market.
For that reason, investors should treat the three scenarios as illustrations rather than expected returns.
The Bottom Line
Buying gold for Rp100,000 a day can produce total contributions of Rp109.5 million over three years if the strategy is followed consistently.
Depending on gold price performance, the simulated value could reach around Rp150 million in a bullish scenario, approximately Rp119.8 million in a sideways scenario, or fall to about Rp98.7 million in a bearish scenario.
The numbers highlight an important point: regular investing creates discipline, but it does not guarantee profits.
For investors, the key is to understand the risks, maintain realistic expectations, and match the strategy with personal financial goals. Gold can be useful as part of a diversified portfolio, but past performance should never be treated as a promise of future results.
Disclaimer: The figures in this article are historical illustrations based on the source material and market data available through September 2, 2026. They are not forecasts or guarantees of future performance. Investment decisions remain the responsibility of each investor and should consider financial goals, risk tolerance, investment horizon, and current market conditions. All investments carry risks, including the possibility of losing value.