5 min read
You entered your apartment into your net worth tracker a year ago. Since then your stock and crypto balances have updated themselves every single day, automatically, off live prices. Your apartment's number has moved too, quietly climbing on its own. But nobody repriced it. No agent called with a new appraisal. That number is a manual asset valuation, and if you have not touched it in a while, it is very likely wrong, and not by a small amount.
A stock or a crypto token has a real, quoted market price every second markets are open. A tracker just reads it. A house, a watch or a piece of art has no such feed. Instead, most net worth trackers, NetWort included, ask you for a purchase price and a purchase date once, then apply an assumed annual growth rate to that number every day going forward, compounding quietly whether or not anything actually happened to that asset in the real world.
NetWort's own defaults, by category, show how broad the assumption is:
| Category | Assumed annual rate |
|---|---|
| Real Estate | +3.0% |
| Vehicle | −10.0% |
| Luxury Goods, collectible (e.g. a Rolex or a Birkin) | +5.0% |
| Luxury Goods, standard (e.g. a designer bag) | −15.0% |
| Fixed Income / Cash | 0%, you set it |
You can change any of these when you add the asset. Most people never do. The number just runs.
The problem is not that an assumed rate is a bad idea. It is that a single flat number can never match what a specific asset in a specific place actually does, and Indonesia's own data shows the gap clearly.
Bank Indonesia's Residential Property Price Survey (SHPR) put the national Residential Property Price Index (IHPR) at 110.89 in the second quarter of 2026, up just 0.69% year on year, only slightly better than the 0.62% recorded in the first quarter (Bank Indonesia via CNN Indonesia and Kompas, both retrieved 2026-08-09). That is less than a quarter of the +3.0% rate NetWort assumes by default for every real estate asset.
And "national average" hides real spread. Over the same quarter, Pekanbaru's house prices grew 3.23% year on year, close to the assumed rate, while Banjarmasin grew 1.29% and other cities sat closer to flat (Bank Indonesia data via Liputan6, retrieved 2026-08-09). A flat +3.0% assumption might be roughly right for an apartment in Pekanbaru and badly wrong for one almost anywhere else.
This is also why NetWort treats gold, silver, platinum and palladium differently from other manual assets: they get a live spot price every day, not an assumed rate, because their real prices move too fast and too unpredictably for any flat assumption to hold.
Gold set a record near $5,598 an ounce in late January 2026, then fell to $4,315.19 by 7 August 2026, a drop of roughly 23% (USAGOLD, retrieved 2026-08-09). Platinum did something similar and sharper: an all-time high of $2,920.41 an ounce on 26 January 2026, down to $1,753.00 by early August, a fall of about 40% in six months (Kitco, metalcharts.org, both retrieved 2026-08-09). Neither of those moves would have been remotely visible on a flat annual-rate assumption. A house or a watch can move the same way, just usually slower and with far worse data to catch it.
Say you bought an apartment for Rp2,000,000,000 and left it on NetWort's default Real Estate rate. After one year, the assumed-rate math shows it worth roughly Rp2,060,000,000, a paper gain of about Rp60,000,000. Apply Bank Indonesia's actual national growth rate for the same period, 0.69%, instead, and that same apartment is worth closer to Rp2,013,800,000, a gain of about Rp13,800,000.
That is a gap of roughly Rp46,200,000 between what your tracker shows and what the national property market actually did, on one asset, in one year, before even asking whether your city looks anything like the national average.
Meanwhile the live-priced side of a portfolio corrects itself without being asked. The IHSG, Indonesia's main stock index, was down as much as 27.88% year to date by the end of July 2026 before recovering to close around 25.9% down by 7 August (Investortrust.id, Databoks, Bisnis.com, all figures already reported by NetWort's own market coverage of 2026's GDP-versus-stock-market divergence, retrieved 2026-08-09). Nobody had to remember to update that number. A blended net worth total that mixes a self-correcting stock position with a silently drifting apartment value is not comparing like with like, even though it looks like one clean figure on the screen.
If you hold property, vehicles or collectibles, open NetWort's manual assets on your Holdings page and check when each one was last actually updated, not just what rate it is compounding at. If it has been longer than a year, that number is a guess wearing the shape of a fact.