Along with the development of technology, the need is increasing. The demands of life are getting denser while income is still not making progress. Especially with the statement that is widely circulated that millennials and Gen Z find it difficult to own a house at a young age. Yes, property prices are increasing day by day. Not to mention thinking about the cost of marriage, child birth costs, children's education, to the need for the pilgrimage or pilgrimage to the holy land. Everything costs a lot of money. Not to mention, the preparation of emergency funds and old age pension funds. Therefore you must have an investment, there are many investments for beginners that can be tried.
Well, all that needs to be planned. You have to start getting in touch with financial literacy, or financial knowledge. It is very important to know that everything needs to be planned including your finances. Today's young generation is increasingly financially literate and is starting to prepare long-term financial plans. For example through investment.
You've never invested? Don't worry, now there are also many investment platforms that can provide knowledge to beginners. However, if you want to be safe, you can choose various investment instruments below.
Investment Instruments For Beginners
As a beginner, it's natural that you are still confused about where to invest and how. Here are 5 types of investment instruments that are suitable for checking waves.
1. Deposit
Time deposits are one of the short-term instruments owned by all banks. Deposits are the choice of many people because the investment risk is quite low. The system is like saving money but within a certain period of time and you can't just take money from a savings deposit. You can determine the deposit period you want, from 3 months to one year. Besides being able to encourage a commitment to share money, through a deposit, you can also get a profit of 5-8% per year.
2. Precious Metals
This type of investment is in great demand by the public. Apart from not using nominal financial services. Investment in precious metals is long term and the disbursement process is quite long. Although this investment instrument is arguably the easiest, but you also have to pay attention to the quality of the first item you get.
Gold, one of the precious metals, is a favorite investment instrument. Since ancient times, people have invested in gold. In fact, gold has been a symbol of wealth since ancient times.
3. Retail Saving Bonds (SBR)
Retail Savings Bonds are debt securities issued by the state. If you invest in this instrument, you are acting as a lender to the government. SBR is a short term investment with low risk. This is because the SBR is borne by the state. The minimum capital required is IDR 100,000 with an interest rate of 6.3 percent per year.
The term of the SBR is two years. However, you can also withdraw money early by taking advantage of the Early Redemption facility. In Indonesian, Retail Saving Bonds are called Government Securities (SBN). You can invest in SBN online via e-SBN with serial number SBR009.
4. Money Market Mutual Funds
Mutual Funds are also a type of investment that is a favorite for novice investors. This is because there are investment managers who help manage investors' funds. That way, you don't have to think about where the money should be put to make a profit.
One type of investment that is widely chosen is Money Market Mutual Funds (RDPU). This mutual fund is a type of short-term investment with low risk. Through RDPU, your capital will be channeled entirely in short-term instruments such as Bank Indonesia Letters (SBI) or bonds. If you have a conservative or moderate risk profile, the RDPU is perfect for you.
RDPU is one of the easiest online investments to make. There are many applications that you can download on your phone to invest. The minimum capital required to invest in RDPU is only IDR 100,000.
5. P2P Lending
Besides RDPU, P2P Lending Investment is also an online investment favored by young people. Because it is still relatively new, this type of investment attracts many investors. By investing in P2P Lending, you can at the same time help invest in MSMEs in Indonesia. This is because your money will be channeled in the form of a business capital loan.
Those were the various investment instruments for beginners. Currently, there are many investment software for all circles and you can try some recipes for success. You also have to make sure whether the platform has OJK permission or not.
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