Pentingnya Investasi Aset Riil bagi Generasi Z dalam Meningkatkan Stabilitas Keuangan Pribadi

Abstract

This study aims to analyze the importance of real asset investment for Generation Z in enhancing 
personal financial stability amid the rapid growth of digital investments. Recent phenomena indicate 
that Generation Z shows a strong interest in investing but tends to focus more on digital assets such as 
cryptocurrencies and app-based stocks, while ownership of real assets remains relatively low. This 
research adopts a descriptive quantitative approach using secondary data obtained from financial 
literature and recent statistical reports. The analysis employs descriptive statistics and narrative 
interpretation to examine factors influencing investment interest, including financial literacy, social 
media influence, initial capital, and risk perception. The findings reveal that real assets such as property, 
gold, and land play a significant role in maintaining individual financial stability due to their long-term 
value and resilience against inflation. In contrast, digital assets are characterized by high volatility, 
which may threaten financial stability if not balanced within a diversified portfolio. The study 
emphasizes the need to enhance financial literacy among Generation Z to enable them to make wiser 
and more sustainable investment decisions. Therefore, real asset investment is not only a means of 
wealth preservation but also a vital instrument for building personal financial resilience and ensuring 
long-term economic sustainability