Get to know, 7 Wise Investment Choices That are Suitable for Beginners

The following are tips and ways to invest that are good and correct, especially for beginners.

 

The following are tips and ways to invest that are good and correct, especially for beginners. There are many investment products that are suitable for beginners.

Some of them are also safe and secure, so you don’t need to be afraid to try them.

In this article, we will explain investments that are suitable for beginners and tips for success.

7 Investment Options for Beginners

There are many types of investment that are worth trying for a beginner. Some of them are:

1. Gold investment

Gold is considered to be one of the most suitable forms of investment for beginners.

That’s because gold’s bullish stability is good enough that significant declines are rare, Money said.

The increase in the value of gold is very interesting. Why? In 2011, the price of gold was only around IDR 400,000/gram.

This amount has increased to IDR 500,000 per gram. At the beginning of 2020, the amount increased to almost IDR 800,000 per gram.

You can start investing in gold by buying ANTAM gold on various gold buying and selling websites. If you want it to be easier, you can buy it on various online shopping sites.

2. Mutual funds

Mutual funds are an investment method through a portfolio manager. The selected investment manager then allocates the funds to investors to invest in various things such as shares, bonds, deposits, etc.

Based on their designation, mutual funds are divided into four types, namely money market mutual funds, interest rate mutual funds, mixed mutual funds and stock mutual funds. These four types have different advantages and disadvantages because they have different instrument mappings.

Beginners are advised to try money market mutual funds. Because the chance of winning is greater than deposits in the bank.

Oh yes, you can create a fund with capital of IDR 100,000.

3. Deposits

Bank deposits are considered the best investment option for beginners.
Apart from offering advantages compared to traditional savings, deposits also provide profit protection so that your chances of winning are greater.

However, deposits have a minimum value. Most banks set a minimum deposit of IDR 10,000,000.

There are also banks that use higher numbers. Apart from that, deposits also have a withdrawal time limit so they cannot be withdrawn at any time.

Usually the periods are 1 month, 3 months, 6 months and one year.

4. Stock investment

One investment option that beginners can consider is shares. This product can offer high returns, but the risks are also high. Beginners who want to invest in shares should try registering for virtual shares offered by several stock programs first.

By studying them, you will know how stocks work and when to buy and sell them.

If you are interested in investing in shares, try buying blue shares.

Blue chip is the term for shares that have performed well on the stock market.

5. Bonds

Have you ever heard of a covenant? This investment product is actually also very suitable for beginners.

Bonds are transferable medium or long-term debt instruments.

This product can be issued by the government (SBN (State Securities)) or by a company (corporate bond).

By purchasing an issued bond, you receive a return or coupon over a certain period of time. Usually every 3 to 6 months.

This type of investment guarantees security because it is guaranteed by the government itself and the government never fails to pay coupons to bond holders.

However, bonds have the risk of being illiquid because they can only be repaid according to their term.

6. Peer-to-peer lending

Peer-to-peer lending or P2P lending is a system that connects lenders (creditors) with borrowers (debtors).

This system allows someone to lend money to other people without using third party services such as banks, cooperatives and loan services.
The interesting thing about this investment product is the low initial capital, starting from IDR 100,000.

Additionally, there are many platforms that allow P2P lending. This product is also regulated and controlled by the OJK so its safety is guaranteed.

7. Real Estate Investment

For beginners who want to invest and continue to gain value, real estate investment can be a consideration.
Real estate, such as houses and apartments

The value of these objects increases every year.

You cannot avoid inflation with this investment product. When the inflation rate rises, the purchasing power of real estate also weakens.

Even so, this investment is still very popular because it can be used as passive income by renting it out and using it as collateral.

These are some investment options for beginners and tips for success.

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