Teabag wroteMark, you’re right, but as our relatives are not living in Bali it will be difficult with the taking care of property or house. As you know, all what is not nailed down in Indo, will be gone.... or another just build a house on my land. Furthermore, 12 years are toooo long to plan in this detail , to many uncertainties along the way, may we get sick or whatever. So I guess I'll have to bite the apple and pay higher prices in the future.
Cheers
Maybe a house would be difficult to take care of if you are thousands of miles away, but what about just buying some empty land now in your Indonesian wife's name? Then in 10-12 years time you could come here and build on it, or, sell it and then buy your dream plot somewhere else and build on it. In the meantime your empty land will have gone up in price in Rupiah, more than any other investment you might otherwise have made. Where I live in Bali land has gone up 4x in price in rupiah over the last 11 years, mostly in the last 4 years.
Furthermore, you won't then have to worry about transferring cash from Switzerland to Indonesia then. Your money will already be here. Yes, of course, you will have to transfer the cash now, but then you can forget about it.
To "look after" your empty land just get some local farmer and tell him use it grow what ever he likes, for free. He'll keep it in good order for you.
Anyway, it's just an idea for thinking about.
Hope this helps!