FEATURED • 8 MIN READ • 12 MAY 2026
Smart Investing 101: Where to Put Your Money When Inflation Stays High
Inflation 3-5% halves your cash in 14 years. You can't save your way out — you must own productive assets. This calm, beginner-friendly plan works in IDR, SGD or USD without market timing.
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- 60/30/10 Allocation: 60% equities (IDX30 + S&P500), 30% bonds/Sukuk (ORI, SSB), 10% real assets (Gold + REITs) — ~9.2% CAGR 2010-2025.
- Dividend Aristocrats: 5+ years growing dividends, payout <60%, ROE >12% — prefer 3-5% yield + growth.
- REITs: occupancy >92%, WALE >4yr, gearing <40% — IDX DIRE & SG Ascendas/Mapletree.
- Gold & Bonds: Gold for negative real yields, bonds for peak yields — hold both via Antam/Bareksa.
