2026 THR Allocation: Buy 22 Karat Gold Jewelry or Start Bitcoin (BTC) Installments?

Jakarta, Pintu News – THR is often used for consumption, but more and more people are starting to allocate it to investment assets such as gold and crypto. Gold is known as a safe haven asset, while cryptocurrencies offer higher growth potential. In the midst of dynamic economic conditions, understanding the differences between the two can help you make wiser financial decisions.

1. 22K Gold: Stable to Keep THR Value

Gold, especially 22-karat jewelry, is known as a safe haven asset that tends to be stable during uncertain economic conditions. Its value is relatively resistant to inflation, making it suitable for maintaining purchasing power in the long run.

In addition, gold also has high liquidity and is easily resold at various gold shops. However, its price increases tend to be gradual and not as fast as crypto assets.

Also Read: Gold Prices Plummet 7.47% as US-Iran War Heats Up in Late March 2026!

2. Bitcoin (BTC): Higher Cuance Potential

Bitcoin (BTC) as the largest cryptocurrency has significant growth potential compared to traditional assets. In recent years, crypto has shown much more aggressive price increases than gold.

However, high volatility is a major risk as prices can rise or fall in a short period of time. This makes Bitcoin more suitable for those who are prepared for market fluctuations.

3. Price Comparison: Gold vs Crypto

For a simple overview, gold and Bitcoin prices are at very different levels:

• 22K gold: around Rp1.8 million – Rp2.1 million per gram
• Bitcoin (BTC): approximately $60,000 or equivalent to ± Rp1,014,000,000
• Ethereum (ETH): about $3,000 or ± Rp50,700,000

This difference suggests that gold is more accessible for small amounts, while crypto offers the flexibility of purchasing in small denominations.

4. 60:40 Strategy for THR Allocation

One popular strategy is to split the portfolio between gold and crypto to balance risk. This strategy combines the stability of gold with the growth potential of cryptocurrencies.

• 60% gold: preserving asset value
• 40% crypto: chasing potential profits

This approach is suitable for those who want to stay safe but not miss out on opportunities from the crypto market.

5. When is the Right Time to Buy?

The timing of the purchase greatly affects the investment returns for both gold and crypto. Gold usually rises when inflation is high or economic conditions are unstable.

Meanwhile, cryptos like Bitcoin (BTC) often move with market cycles, including bullish and bearish phases. Buying during a price correction is often considered a more optimal strategy.

6. Risks You Need to Understand

Each investment instrument has a different risk so it needs to be adjusted to your profile. Gold has relatively low risk but limited profit potential.

In contrast, cryptocurrencies have the potential for high returns but come with significant volatility. Therefore, it is important not to put all your funds into just one asset.

7. So, Choose Gold or Bitcoin?

There is no single answer as they serve different functions in a portfolio. Gold is suitable for preserving value, while Bitcoin (BTC) and other crypto assets serve for growth.

A balanced approach by combining the two can help you maximize your THR more optimally. With the right strategy, you can get protection as well as profit opportunities from two different investment worlds.

Also Read: XRP Freefalls in Early 2026: Will Second Quarter Repeat 2017’s Glory?

Follow us on Google News to stay up to date with the latest in crypto and blockchain technology. Check Bitcoin price, usdt to idr and tokenized nvidia stock price through Pintu Market.

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Crypto Gold Investment Starting from Rp11,000

As blockchain technology develops, gold can now be owned not only in physical form such as jewelry or bars, but also in digital form through gold-based crypto assets.

Crypto gold offers a more flexible, practical, and modern way of investing in gold than physical gold. Some of the advantages of crypto gold investment in Pintu are:

• Start investing from a small amount of Rp11,000.
• Can be traded anytime 24/7.
• Price spreads are lower than physical gold.
• It is safe because it is licensed and supervised by OJK.
• Purchases are easy and can be scheduled automatically.
• It can be sent between wallets quickly and conveniently.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Metadoro Team. How to Maximize Your Returns with Gold and Crypto. Accessed March 26, 2026.