AFTER a long consideration, Anna decided to buy gold. A resident of Bintaro in South Tangerang, Anna decided that the precious metal was the safest option, and pulled all her money out of her other investments, such as mutual funds, unit-linked funds, and time deposits. “Gold keeps going up in price, and it’s much safer,” she said.

As for day-to-day cash, Anna has a savings account, but the balance is small. She says she is afraid to put l