Investment Assets Held by Indonesia's Middle-Class in 2025

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Akbar Ridwan 29/10/2025 10:10 WIB

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According to a KedaiKOPI survey, savings or deposits will be the most commonly owned type of investment by the middle-class in Indonesia in 2025.

Middle-Class Savings/Investments in Indonesia (October 2025)

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Middle-Class Savings/Investments in Indonesia (October 2025)

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According to a KedaiKOPI survey, savings or deposits are the most common type of investment owned by the middle-class in Indonesia as of October 2025.

A significant number of middle-class individuals also own gold or precious metals, while fewer possess other types of assets.

Below are the details of savings or investments owned by the middle-class in Indonesia, according to the KedaiKOPI survey:

Savings/deposits: 61.4% of respondents
Gold/precious metals: 50.9%
Insurance: 22.9%
Stocks/mutual funds: 18%
Property (land or house): 14.7%
Digital assets (crypto, etc.): 0.2%
None: 17.4%

According to KedaiKOPI senior researcher, Ashma Nur Afifah, even though the public relies on savings or deposits, there is a trend of shifting investments to gold instruments.

"I don't know if gold has become popular because its value has increased rapidly since the end of last year," Ashma was quoted as saying by Katadata.co.id, Tuesday (28/10/2025).

The survey also found that the majority, or 35.6% of respondents, invest to own property, such as land, houses, or shophouses.

Meanwhile, the proportion of respondents who invest to achieve financial stability is 23.1%.

KedaiKOPI conducted this survey from October 14-19, 2025, involving 932 respondents using the online-computerized assisted self-interview (CASI) method.

Respondent criteria included being 17-55 years old and classified as middle-class, with an income between Rp3.5 million and Rp14.5 million per month, or per capita expenditure of Rp2 million to Rp9.9 million per month.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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