The Financial Fitness or OCBC 2025 Financial Health research report indicates a decline in the financial health of Indonesian society. However, the research, which targets those aged 25–35 years, sees a tendency for long-term investment and preparation for retirement funds as an effort to ensure future stability.

The research, conducted in the July–August period, does show a slowdown in the achievement of financial health of Indonesian society in general. The score decreased slightly: from 41.25 to 40.60. This decline was triggered by crucial indicators, such as a decrease in the ability to shop beyond daily needs, a reduction in routine saving habits, and a weakening of emergency fund resilience. 

However, the research data also shows an improvement in the financial growth and financial freedom indicators. The financial growth score increased from 21.50 to 23.06. The increase in this indicator was driven by two main pillars, namely increased investment ownership and better awareness in preparing retirement funds. 

The financial freedom indicator also rose from a score of 5.99 to 6.90, supported by an increase in regular passive income. This increase indicates that some people are shifting their focus from short-term consumption to wealth accumulation for a more stable future.

There are several investment instruments to choose from. One that stood out was gold bullion investment, which jumped from 2% to 6%. Then, holdings in complex investments - such as mutual funds, stocks, forex - also doubled, from 2% to 4%.

The public's awareness of the importance of pension funds and passive income shows that investment is seen not just as a momentary trend, but as a real solution to avoid financial difficulties in old age. 

Indeed, nationally, the number of pension fund participants reported by the Financial Services Authority (OJK) in July 2025 decreased by 1.5% compared to the same period the previous year. However, the development of pension funds collected from July 2024 to July 2025 increased by 4.6% to IDR 392,562.76 billion.

The challenge today is no longer just convincing people to invest. They need to be empowered with the right education so that they can balance the consumption drive for economic growth and the need to save for personal financial health.

By facilitating access to easy-to-understand investment products and providing the right guidance, it is certain that this surge in interest in long-term investments will turn from a momentary trend into a solid new financial culture.