Jakarta, ThedailyID — Gen Z is turning away from financial FOMO and embracing JOMO as a more mindful approach to investing.
Instead of following every investment trend on social media, young investors are learning to pause. They are also becoming more selective and focusing on their own financial goals.
JOMO, or the Joy of Missing Out, originally described the satisfaction of stepping away from social pressure. The concept has now found a place in personal finance.
Communication expert Riley Gardiner said Gen Z is increasingly embracing the idea. For young investors, skipping a trend does not necessarily mean missing an opportunity.
Ria M. Warganda, Director of PT Insight Investments Management (PT IIM), said the mindset can encourage more thoughtful financial decisions.
“JOMO shows a fundamental change in how the younger generation views trends. They are realizing they don’t have to follow everything that is popular just to gain experiences or feel accepted,” Ria said, as reported on Wednesday, September 23.
In finance, this approach can help investors avoid impulsive decisions. Market hype can create pressure to buy volatile assets without enough research.
Mindful investing offers a different approach. Investors consider their goals, risk tolerance, and the suitability of an investment before making a decision.
“Mindful investing doesn’t mean avoiding opportunities or staying out of the market altogether,” Ria explained.
“It means understanding why we invest, what we want to achieve, how much risk we can tolerate, and whether a specific instrument fits those needs.”
This approach can also apply to structured investment products such as mutual funds. Investors can focus on their personal risk profiles instead of following social media trends.
For conservative investors seeking short- to medium-term stability, money market funds can be one option. PT IIM cited Reksa Dana Insight Money (I-Money) as an example.
According to PT IIM’s Fund Fact Sheet as of August 31, 2026, I-Money recorded a 3.29% year-to-date return. Its one-year return reached 5.20%.
Over the same periods, the Infovesta Money Market Fund Index returned 2.65% and 4.20%, respectively. Over five years, I-Money recorded a 30.76% return compared with 21.72% for the benchmark.
These figures come from PT IIM’s own fund fact sheet. Past performance does not guarantee future results.
For younger investors, the JOMO approach focuses less on chasing the next popular asset. Instead, it emphasizes consistency and decisions that match individual financial objectives.
“Investing should be a habit, not a race,” Ria said. “It is perfectly fine to miss a trend when you know that particular investment doesn’t align with your goals and risk profile.”
“What matters most is having a clear objective, understanding the risks, and staying consistent,” she added.
